Duplicate accounts | Australian Retirement Trust

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

Make sure you consider insurance

Make sure you check what insurance you currently have before consolidating. Insurance cover doesn't transfer automatically, but you can transfer it with our help.

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.

Keep my ART account Keep my QSuper account

(This'll open a new tab in your browser).

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.

What to do if you have multiple accounts with us