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Finding and consolidating your super

Searching for lost and other super is easy with Australian Retirement Trust. Not only could we be reuniting you with your lost super, but consolidating your other accounts is an important step in growing your long-term savings. It means you stop paying extra, unnecessary fees and enables you to feel on top of your super with only one account to manage.

Why combine with Australian Retirement Trust?

The retirement dreams of our 2.4 million members1 aren’t a promise, they’re our purpose.

Money bag

A fund that works for you, not shareholders

We are committed to returning profits to members as better services and lower fees.

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Strong long-term returns

9.0% p.a. over 10 years to June 20222. Australian Retirement Trust Super Savings Balanced Option.2, 3

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How to consolidate your super funds

Before combining your super, consider the potential loss of insurance and other benefits that you may have with your existing fund. Also, think about where your future employer contributions will be paid.

There are just five simple steps to combine your super and save on fees:

  1. Log in to Member Online. (If you haven't logged into Member Online before, you'll need to set up your online access first).
  2. Have your mobile ready - we'll send you a verification code.
  3. Instantly search for your lost and other super.
  4. Select the funds to combine.
  5. Confirm - congratulations! You're closer to maximising your super.

Log in to Member Online

If you already know the details of your other super funds and just want to consolidate them with Australian Retirement Trust, you can do that too.

You'll just need your Tax File Number (TFN) and for each of your other super funds, your member number and the fund's USI number. You can find your member number on a statement or another communication from the fund and their USI number from their website.

Use the consolidation tool


If you prefer, you can download and complete the paper form. Please return it via post or email. 

Download the form


Not an Australian Retirement Trust Super Savings member? No worries!

You can still consolidate your other super into Australian Retirement Trust Super Savings, but you’ll need to become a member first. Join a members-first fund that is committed to returning profits to our 2.4 million members1 as better services and lower fees. Joining takes less than five minutes.

For more information about the benefits and risks of opening a Super Savings account, before deciding to acquire or hold the product, please consider the Product Disclosure Statement.3

Join today


Looking to transfer from a SMSF?

From 1 October 2021, Australian Retirement Trust can only accept transferred funds from a Self Managed Super Fund (SMSF) via SuperStream. Read more about SMSF transfers.

You may have been directed to this webpage by an online ad. If you don't want to receive marketing material from Australian Retirement Trust in relation to Super Savings, you can opt out at any time via your communication preferences in Member Online or the Australian Retirement Trust App, or by contacting us.


At February 2022.

The Australian Retirement Trust Super Savings Balanced option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. The industry median return for the SR50 Balanced (60-76) Index comprises the 50 largest investment options with a similar asset allocation to growth style assets between 60-76%. Source: SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60-76) Index, June 2022. The Super Savings Balanced option has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Members invested in the Lifecycle Investment Strategy are invested 100% in the Balanced Pool until age 55. Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees and costs and taxes (where applicable). Super Savings products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings PDS and TMD before deciding. 

3 Australian Retirement Trust's Target Market Determinations are available.

Join Australian Retirement Trust online in just a few minutes.