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Changing super funds

Once you've found the fund that's right for you, it's simple to transfer super funds. You can usually do this online. Follow our 3 steps to switching super funds:

  • Join your new fund

    If you don’t already have an account with the fund you want to switch to, open one before you change superannuation from your old fund.

    It only takes 3 minutes to join Australian Retirement Trust online.

  • Let your employer know

    Give your employer your new super details as soon as you can, so that they can start paying your super to the right place.

    Here's a few ways you can let your employer know if you're with us:

    • Our online form sends your account details in an email you can forward to your employer
    • Email a pre-filled form using the Australian Retirement Trust app
    • Fill out your employer's form (if they have one)
    • Download our pre-filled form.
  • Move your super balance

    Don't forget to transfer your super balance from your previous super fund to your new one. It's easy to transfer your super here in Member Online.

    If you don't know where your other super is, use the ATO’s rollover tool to search for it in myGov.

    Combining your super into one account could mean saving on paying fees on multiple accounts.

Change to Australian Retirement Trust

If you want a super fund that gives back profits to members as lower fees and better services, switch to Australian Retirement Trust.

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Compare super funds

When choosing a super fund, there's a few things you should check:

  • Fees

  • Performance

  • Investment options

  • Pension options

  • Insurance (if you need it).

Compare the benefits you can get with us. It’s also an opportunity to switch to a sustainable investment option like our Socially Conscious Balanced option.

FAQs about switching your super

Want to know more about changing super funds? Check out these frequently asked questions.

If you can't find what you're looking for, our friendly team can help. Contact us

Yes, you can usually change super funds in Australia, unless you work in an industry that requires you to use one particular super fund. Ask your employer if you’re unsure.

If you have to keep your account with a particular super fund, you can still join a new fund. Just transfer your balance when your employer contributes to your old fund.

But this could mean paying fees with 2 separate super funds, so it’s worth checking whether the benefits you'd get from switching would outweigh the cost.

Yes, you can. If you have more than one super fund, you can move your balance from each of them to your new fund.

You can do this in Member Online if you’re with us, or you can use the ATO’s rollover tool in myGov.

No – super funds aren't allowed to charge exit fees when you leave their super fund and switch to a new one.

But some super funds have other fees or tax impacts when you switch funds. Such as a buy/sell spread fee when they cash out your investment.

It’s worth calling them to check before changing superannuation funds.

It may still cost you if you don’t switch super funds. Let's say your current fund has high fees and/or poor performance. You may end up with less money at retirement than if you'd switched to get lower fees and better performance.

Before you transfer super, make sure there are no fees or tax impacts for leaving your current super fund.

Think about if the timing is right and whether you’ll be missing out on pension options.

You also want to make sure you won't be without insurance during the switch to your new fund.

If you're currently claiming through the insurance included with your super account, you can still change super funds.

But before switching, you should check with your fund or financial adviser about whether to leave some money with that fund so you remain covered in the future.

In most cases, you can. But this will close your Defined Benefit account and you usually can’t reopen it after you switch.

Our Defined Benefit account has a number of pension options and other benefits that most other super funds can't match.

So, you might want to get financial advice about whether you'd be better off with your defined benefit or an accumulation type super fund.

There are both pros and cons to changing super funds.

  • It’s easy, and you can do it all online.
  • Switching to lower fees now can mean you have more money when you retire.
  • You can search for any lost super or money with other super funds and bring all your super savings together.
  • Your new fund might have education, or offer financial advice that can help you make the most of your super.
  • Take the chance to compare super funds and look for lower fees and higher returns, or for other benefits.
  • Fees or taxes may apply when you leave your current fund.
  • Your new fund might offer less insurance (if you want it) or put more conditions on insurance for new members.
  • A small number of employers only pay to their chosen super fund, so you might need to check that first.

Great, what do I do next?

Compare us

Find out why Australian Retirement Trust is a great choice for your working years and beyond.

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Move your super

If you’ve switched here, think about bringing your super balance over into your new account.

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Tell your employer

Give your employer your new account details so your super goes to the right place.

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