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.

Keep my ART accountKeep 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

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Fees and costs

Understand what you're paying for, and how much it costs.

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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.

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Beneficiaries

Check who you’d like to get your super (including insurance benefits) if you die.

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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

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.

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Call 13 11 84

8:00am–7:30pm AEST Monday to Friday

More contact options

Fund name: Australian Retirement Trust 
Account type: Super Savings 
ABN: 60 905 115 063 
USI: 60 905 115 063 003

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Acknowledgement of Country
We want to respectfully acknowledge the Traditional Owners and Custodians of these lands, seas, and waters throughout Australia. We pay our respects to Elders both past and present. We acknowledge the history, the resilience and the continual contributions of Aboriginal and Torres Strait Islander peoples of their Country.

The information on this website contains general information only. It doesn’t consider your personal objectives, financial situation, or needs. Before making any decisions about ART, you should read the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD) to consider whether the product is right for you.