Leslie Massey
Australians have around $17.8 billion in lost and unclaimed superannuation. If you think you have lost super, you can find it online using the Australian Taxation Office's (ATO) services. You can also contact your previous super funds to see if they hold super for you. To use the ATO's services, you will need a myGov account linked to the ATO. Once you have linked your account, you can also use the ATO app. If you don't have a myGov account, you can create one and link it to the ATO. You can also contact myGov or use a super fund's lost super tracker to find your lost super.
| Characteristics | Values |
|---|---|
| How to find lost super | Use ATO online services through myGov |
| How to find lost super if not in ATO online account | Contact your previous super funds |
| How to avoid losing super in the future | Ensure your super funds and the ATO have your correct contact details |
| How to update contact details | Sign in to myGov, select 'My account' then 'Profile', select 'Contact details' and then 'Edit' |
| How to check if your employer is paying your super | Use ATO online services through myGov or the ATO app, contact your employer, or look at your member statement from your super fund |
| How to find lost super if you are a member of a self-managed super fund (SMSF) | Check the SuperFundLookupExternal Link website to see if your SMSF account information is displayed |
| How to check if your super has been transferred to the ATO | Contact your previous super funds and ask if they have transferred any of your super to the ATO |
| How to find lost super online | Log in to your myGov account linked to the ATO, select 'Super' |
| How to find lost super if you don't have a myGov account | Your super fund can search for lost and unclaimed super on your behalf |
| How to find lost super if you are an AustralianSuper member | Log in to your account and have two forms of ID and your Tax File Number (TFN) ready |
| How to consolidate your super | Complete the 'Consolidate your super' form online or download and complete the form and email it back |
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What You'll Learn
Use the ATO app or online services
To find all your super accounts in Australia, you can use the ATO app or online services. Here's a step-by-step guide on how to do it:
First, make sure you have a myGov account linked to the Australian Taxation Office (ATO). If you don't already have a myGov account, you can create one by visiting my.gov.au and following the sign-up process. Once you have a myGov account, link it to the ATO by logging in, navigating to the appropriate section, and selecting the ATO as a linked service.
After linking your myGov account to the ATO, you can access the ATO app or use the ATO online services through myGov. The ATO app is available for download on your mobile device, while the ATO online services can be accessed through a web browser. Both options provide similar functionality for managing your super.
When you first access the ATO app or online services, you may need to provide additional information or verify your identity. This could include providing your Tax File Number (TFN) or other forms of identification. Follow the prompts and instructions provided by the ATO to ensure your information is secure and accurate.
Once you're set up, you can start using the ATO app or online services to find your super accounts. Navigate to the "Super" section within the app or online services. From there, you'll be able to view your super balance, transaction history, and account details. If you have multiple super accounts, they should all be listed, along with relevant information for each.
In addition to viewing your super accounts, the ATO app or online services allow you to consolidate your super. If you have lost or unclaimed super, you can transfer it to your active super fund or roll it over into a consolidated account. This can help simplify your super management and reduce any excessive fees associated with multiple accounts.
By regularly checking your super through the ATO app or online services, you can keep track of your retirement savings and ensure that your super funds have your correct contact details. It's important to update your information with your super funds and the ATO if you change your name, address, or job to prevent losing touch with your super in the future.
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Contact previous super funds
If you think you have lost super and it’s not in your ATO online account, contact your previous super funds. To avoid losing your super in the future, ensure that your super funds and the ATO have your correct contact details. You can update your contact details in myGov by signing in, selecting 'My account' and then 'Profile'. From here, you can select 'Contact details' and then 'Edit' to update your information.
If you are unable to register for a myGov account, your super fund can search for lost and unclaimed super on your behalf. You can visit the myGov website or contact myGov to find out how to do this. You can also complete a super search by phoning the automated super search line on 13 28 65. Make sure you have your tax file number ready. You can also phone 13 10 20 to speak with a customer care representative about your lost super.
If you have any queries regarding a super fund, you can contact them directly. If you need to make a complaint, you can do so through the Australian Financial Complaints Authority.
To find lost super online, you will need a myGov account linked to the ATO. Once you have linked your myGov account, you can also use the ATO app. The super health check includes step-by-step instructions on looking for lost super, consolidating, and preventing lost super.
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Update contact details
To update your contact details for your super accounts in Australia, you will need to contact your super fund provider. You can do this by logging into your online account or by using your provider's app.
For example, if you have a super account with AustralianSuper, you can update your contact details by logging into your account online or via the app. You can also call AustralianSuper on 1300 300 273, weekdays from 8 am to 8 pm (AEST/AEDT).
To update your contact details via your AustralianSuper account, you will need to first register for online access if you haven't already. To register, you will need your member number and personal details. Once you have registered, you can log in to your account using your username and password. From there, you can update your contact details by selecting "Contact details" and then "Edit" on the details you want to change.
It is important to keep your super fund providers up to date with your correct contact details to avoid losing track of your super. If you have multiple super accounts, make sure to update your contact details with each provider.
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Use the Super Fund Lookup tool
The Super Fund Lookup tool is a service provided by the Australian Taxation Office (ATO) to help individuals identify and manage their super funds. It is an online tool that contains information about super funds with an Australian Business Number (ABN). This includes funds regulated by the ATO and the Australian Prudential Regulation Authority (APRA).
To use the Super Fund Lookup tool, individuals can search by using a super fund's common name, ABN, or Australian Company Name (ACN). The search can be further limited by state, territory, or postcode. The search results will provide information on whether a fund is complying, non-complying, or non-regulated. Additionally, it will list active funds and those that have been cancelled or ceased operations, along with their contact details.
This tool is particularly useful if you are looking to consolidate multiple super accounts into one. By using the Super Fund Lookup tool, you can identify the status and details of your super funds, ensuring that you are not paying excessive fees associated with multiple accounts.
It is important to note that not all super funds will be listed on the Super Fund Lookup tool. Some funds may not have an ABN or could have been removed by a regulator. If you cannot find a specific fund, it is recommended to contact the ATO directly or check with the fund's authorised contact for more information.
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Check your employer is paying your super
To check if your employer is paying your super, you can use the ATO online services through myGov or the ATO app to see the contributions your employer has made to your super fund. You can also contact your employer to ask how much they've paid and to which fund. You can also look at your member statement from your super fund.
If you're not sure which fund your super has been paid into, you can check and keep track of your super online using ATO online services. You can look up your super account in ATO online services to view the super contributions that have been paid into your nominated super fund and reported to the ATO. If you've left a job and are no longer in touch with your previous employer, check whether your super has been paid into a different fund than the one you expected.
If you think your employer hasn't been paying your super contributions correctly, you can use the 'Am I entitled to super?' tool to confirm that you're entitled to super before taking any further steps. If you confirm that your employer hasn't met their super obligations, you can follow the steps on the ATO website to report unpaid super. If the ATO determines that your employer (or former employer) has not complied with their SG obligations for you, or reasonably suspects this to be the case, they may disclose details to you. Employers who don't pay your super contributions in full, on time, or to the correct fund must pay the super guarantee charge (SGC) to the ATO. The ATO will then pay the SG shortfalls and interest into your super account. In this case, your super entitlement is based on your gross salary and wages, including any allowances and overtime payments.
It's important to note that if you're reporting unpaid super, the ATO may not be able to take action if the unpaid amount is for a period that ended over 5 years ago. This is because employers are only required to keep employment records for 5 years. However, if you reported your income as salary and wages to the ATO, they may still be able to follow up on an unpaid SG referral for a period that ended over 5 years ago. You will need to provide payslips, payment documentation, payment summaries, and super fund statements for the relevant years, plus an additional 6 months. Even with this information, there's no guarantee that your unpaid SG referral can be progressed.
There are other ways to try to claim unpaid super from your employer, such as seeking help from the Fair Work Ombudsman (FWO). They may assist you in completing a wages and conditions claim form and pursuing your entitlements, including legal action if necessary.
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Frequently asked questions
You can find all your super accounts in Australia by using the ATO online services through myGov. You will need a myGov account linked to the ATO.
If you don't have a myGov account, you can create one and link it to the ATO. You can also access ATO online services via the ATO app.
If you think you have lost super that is not in your ATO online account, contact your previous super funds. You may also be able to contact myGov to see if they can search for your lost super.
