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I need to find my superannuation

If you’ve ever changed jobs, moved house, or changed your name, you might have some lost or unclaimed super.

What is lost and unclaimed super?

Lost super

means your super fund had to report to the Australian Taxation Office (ATO) that they haven't been able to contact you or your account is inactive.

Unclaimed super

generally means you're allowed to take out your super but you haven't yet, and your fund hasn't been able to contact you either. They've had to send your super to the ATO.

Australians have $16 billion in lost or unclaimed super

Australians have $16 billion in lost or unclaimed super

at ATO's last check in 2022

Log in and search now

How do I find my superannuation?

We’ll do the hard work for you – simply log in to run a super search, and bring your super together.

If you're an ART member

  1. Log in to Member Online and click on Consolidate super.
  2. Click on Let’s find my super.
  3. See if you've got any lost super or accounts with other super funds, and choose whether to transfer it to your ART account.

If you're not a member with us yet

  1. You can open an award-winning Super Savings account and transfer your lost super into it. (It takes less than 5 minutes.)
  2. When you log in for the first time, we’ll guide you through the steps to find and combine your super.
  3. Or run a super search for unclaimed super with the ATO, in myGov.

Why combine lost super into one account?

There are many possible benefits to combining all your lost super and money with other super funds into one account:

Simpler fees

Having your super in one account means only one set of fees.

Easier to manage

One place for contributions, paperwork, and investing your super.

Avoid extra insurance costs

If you have insurance on multiple accounts, you could be paying for cover you can't claim.

What to check before you combine super accounts:

Let your employer know

After you transfer your lost super to the correct super account, check that your employer is paying super to the correct super account as well.

Will you miss out?

Before you combine your super accounts, consider if the timing is right and if you will lose access to benefits such as insurance or pension options, or if there are any fee or tax implications.

How to prevent lost and unclaimed super in future

Your super is your money, so here’s how to make sure you don’t lose it:

  • Starting a new job

    When you start a new job, tell your employer your super details so you know where your super is going. If you don't let them know, they have to ask the ATO where to pay your super.

  • Update your details

    Whenever you move house or change your phone number/email, update your contact details with your super fund.

  • One account

    If you combine all your super into one account, you only have one account to keep track of. It's less hassle and probably fewer fees, which means less worry.

  • Keep your account open

    If you don't expect to add or get any more money into your super account, please contact us so we don't automatically transfer your super to the ATO when your balance falls below $6,000.

  • Log in regularly

    Log in to Member Online regularly so that your account stays "active" in our systems.

Check for other unclaimed money

You can also look for money left behind in bank accounts and insurance payouts, with the government’s Unclaimed Money Search.

FAQs about lost super

If you have questions or need any help with finding your super, please get in touch.

Contact us

Yes, you can find your lost superannuation using your tax file number.

Lost your TFN? Don't worry; you can find it by logging in to myGov and clicking on the ATO.

Then you can search for lost super using the ATO process or by logging in to your ART account.

If you're an ART member, simply log in and click on Consolidate super. Here, you can find all your super funds and accounts at once, and decide what to do with them.

Yes – there's no extra fees to run a super search. We can find any super you have in Australia and bring it together.

We use the ATO's SuperMatch process to do this. So you don't need to sign up for any special company to find your super for free.

Find my super

Log in now to search for lost super and bring all your super together.

Search now Not a member? It only takes a few minutes to join online today.

The information contained on this website is general information only and does not take into account your individual objectives, financial circumstances, or needs. You should consider your own objectives, financial circumstances, and needs, before making a decision about the financial product. You should consider the product disclosure statement (PDS) and target market determination before deciding whether to acquire, or continue to hold the product. For more information or financial advice from Australian Retirement Trust, please call us on 13 11 84.