
What should you know
Having 2 or more super accounts means you could be paying multiple sets of fees, including insurance premiums. Not sure if you have insurance? Log in to your account to check.
Paying extra fees unnecessarily might shrink your super balance, leaving you less to retire on.
If you have 2 or more super accounts with us (across Super Savings and QSuper), you may want to choose one account to keep, and transfer all your super into that account (called consolidating).
What to do next
You can:
- Move all your super to your Super Savings (ART) account
- Move all your super to your QSuper account, or
- Keep things as they are
Ready to consolidate now?
If you're ready now, log in to the account you'd like to keep and follow the steps to consolidate.
Important:
It's important to consider your circumstances and what's right for you first. You could get financial advice if you're not sure.
If you have 2 or more Super Savings accounts (including a Super Savings - Corporate or Super Savings - Business account), and you want to consolidate, please call us.
What to consider
Fees and costs
Understand what you're paying for, and how much it costs.
Investments returns
Returns for diversified and asset class options are the same for all our accounts. But our default options (Lifecycle and Lifetime) could have different returns.
Beneficiaries
Check who you’d like to get your super (including insurance benefits) if you die.
Timing
Consider whether your timing could lock in an investment loss, or have tax impacts.
Think about what's right for you before making a choice
If you have a Defined Benefit or Income account, you should get financial advice before deciding to close these accounts as it could impact your retirement benefits and Age Pension entitlements.
Ready to get started?
These instructions are for consolidating Accumulation accounts only. An Accumulation account is where your super goes (and grows) during your working years. Learn more about super account types.
Keep my Super Savings (ART) account
Log in to Member Online. When you consolidate, choose 'I know where my super is' and search for QSuper. Remember that your QSuper account/s will appear as 'The Trustee for Australian Retirement Trust'.
Tell your employer where to pay your super.
Keep my QSuper account
Log in to Member Online, and follow the steps. Choose The Trustee for Australian Retirement Trust as the account you want to consolidate.
Tell your employer where to pay your super.
FAQs about multiple super accounts
FAQs about multiple super accounts
Insurance questions
Defined Benefit and Lifetime Pension accounts
Other questions
If we didn't answer your question, please contact us or call 13 11 84 between 8:00am–7:30pm AEST Monday to Friday.