Last updated: 1 April 2023
Australian Retirement Trust is the super fund that was created when Sunsuper and QSuper merged on 28 February 2022.
We're one of Australia's largest super funds, and we're proud that 2.3 million members trust us to take care of over $260 billion in retirement savings.
As a profit-for-members super fund and an industry super fund, we don’t pay shareholders – which means we can give back profits to members as lower fees and better services.
We're here to help our members retire well with confidence. So we're focused on strong long-term investment returns, low fees, and the information and access to advice you need to manage your super and retirement.
We use our size and our scale to find and make investments to grow members’ superannuation savings and help maximise their retirement income.
We also consider the risks and opportunities of investments in a holistic way. This means including the financial implications of environmental, social and governance (ESG) issues alongside traditional financial matters. We believe this helps us make better long-term decisions for our members’ retirement outcomes.
All Sunsuper and QSuper members are now Australian Retirement Trust members – and we're open for all Australians to join. Wherever you are, and wherever you’re at, we’re here to help you feel secure, confident, and protected in retirement. Join today.
On 28 February 2022, Sunsuper and QSuper merged to become one super fund: Australian Retirement Trust.
Before we merged, QSuper and Sunsuper both individually had a rich history, and we know we can do even more together.
In fact, our members have already benefited – we've lowered administration fees. Our Super Savings administration fee is now $1.20 per week, plus 0.10% p.a., and 0.07% p.a. from general reserves (not paid from your account). And our administration fees and costs are also capped at $800, to protect your super balance.
As one of Australia's largest super funds, 2.3 million Australians trust us to take care of over $260 billion in retirement savings. We use our size and our scale to find and make investments to grow members' superannuation savings and help maximise their retirement income.
Grow your super with us, and enjoy the benefits as we grow even more.
Sunsuper and QSuper were two of Australia's largest profit-for-members super funds before we merged in 2022.
QSuper was established in 1913 to help Queensland Government employees achieve better financial futures.
In 1987, Sunsuper started as a Queensland-based, multi-industry fund with a genuine desire to give members a financially comfortable retirement.
After the merger, all Sunsuper and QSuper members became ART members.
With our combined history – and our size, strength, and scale as one of Australia's largest super funds – we will continue both Sunsuper's and QSuper's focus on working for members. We aim to find and make bigger investments, drive down investment costs, and do things smarter by bringing our administration capabilities together.
Our headquarters for Australian Retirement Trust are in Meeanjin, in the Brisbane CBD – but we have a national presence.
In 2023, we now have offices in Meeanjin (Brisbane), Warrane (Sydney), and Narrm (Melbourne).
Many of our team live and work on the lands of the Turrbal, Yuggera, Gadigal, Boon Wurrung, and Woiwurrung (Wurundjeri) peoples of the Kulin Nation.
The name Australian Retirement Trust as a statement about who we are, why we exist, and what we do.
Australian – We’re open to all Australians. Whether you’re just starting out working, working to build your super, planning to work less, or already using your savings to live, we’re here to help.
Retirement – We're here to help you feel secure, confident, and protected in retirement. We offer a range of retirement products designed to help you make your super last.
Trust – As a super fund that works for members, not shareholders, we can give back profits to members as low fees and better services.
You don't need to do anything. If you had an account with Sunsuper, you're now an Australian Retirement Trust member with the same Super Savings account details – easy.
If you had an account with QSuper, you're now an Australian Retirement Trust member with a QSuper account.
For more information, you can read this booklet from before our merger: Sunsuper and QSuper are merging: Important information.
And of course, if you have any more questions, please call us or live web chat with us.
For those members who had an account with both of our super funds before the merger, we contacted you with some information so that you can combine those accounts if you want to. We won't combine them automatically without your permission, so that you keep any benefits you had with both super funds.
You can speak with your financial adviser before you decide whether combining your accounts is right for your circumstances.
You can also read this booklet from before our merger: Sunsuper and QSuper are merging: Important information.
And of course, if you have any more questions, please call us or live web chat with us.
The name of your existing Sunsuper and products and accounts have changed now that you're a member of Australian Retirement Trust:
|Sunsuper||Australian Retirement Trust|
|Sunsuper for life – Super-savings account||Super Savings Accumulation account|
|Sunsuper for life – Transition to retirement income account||Super Savings Transition to Retirement Income account|
|Sunsuper for life – Retirement income account||Super Savings Retirement Income account|
|Sunsuper for life Business – Super-savings account||Super Savings Business Accumulation account|
|Sunsuper for life Corporate – Super-savings account||Super Savings Corporate Accumulation account|
|Sunsuper for life Corporate Defined Benefit||Super Savings Corporate Defined Benefit|
|Sunsuper for life Corporate Lifetime Pension||Super Savings Corporate Lifetime Pension|
|N/A||QSuper Lifetime Pension|
The names of your QSuper products and accounts haven't changed – you're now an Australian Retirement member with a QSuper account.
Both Sunsuper and QSuper members' accounts transferred to Australian Retirement Trust on 28 February 2022.
You'll still enjoy all the same benefits of your membership, now that we are Australian Retirement Trust.
If you used to use the Sunsuper app, you'll need to update the app to the latest version, so that it becomes the Australian Retirement Trust app. For most people, this update was automatic, so it should have already happened for you.
Your existing direct debit arrangements with Sunsuper are the same now with Australian Retirement Trust.
From 28 February 2022, your payments are listed as being processed by Australian Retirement Trust instead of Sunsuper.
For payments on a Super Savings — Corporate Lifetime Pension, all the details have stayed the same, including dates and blackout. But your payment details will show the payee is now Australian Retirement Trust instead of Sunsuper.
We'll continue to accept your contributions as we did in Sunsuper and allocate them to your employees' accounts in Australian Retirement Trust. And you can still use Sunsuper systems to make payments. Log in to Employer Online.
If your employees have a QSuper account, you will need the QSuper USI instead.
Your employees' member numbers and account numbers are still the same now we are Australian Retirement Trust.
Your employees don't need to do anything to change their Sunsuper account – they now have an account with Australian Retirement Trust, with all the same features and benefits.
If they have any questions, please let them know they can contact us anytime.
No, we haven't changed your BPAY® details to pay super contributions – or the BPAY details your employees use to make voluntary contributions to their super.
In terms of paying super contributions for your employees, only the name of our super fund has changed.
From 28 February 2022, your existing direct debit arrangements use the same APCA ID/USER ID 066383, except that it's now processed by Australian Retirement Trust instead of Sunsuper.
You can still make BPAY® payments with the same biller code and reference details you used for Sunsuper. The biller name is now Australian Retirement Trust.
Whether you used to use the Sunsuper clearing house or a third-party clearing house, your payment details have not changed. Please keep paying with the instructions provided by your clearing house.
From 28 February 2022, our account number is the same, but the name of the bank account has changed from Sunsuper to Australian Retirement Trust.
Yes, we've transferred your clients' beneficiary arrangements on their Sunsuper accounts to their Australian Retirement Trust Super Savings accounts.
®Registered to BPAY Pty Ltd, ABN 69 079 137 518.