How To Find Your Australian Super Finder Number

Australians have around $17.8 billion in lost and unclaimed superannuation. To avoid losing your superannuation, ensure that your super funds and the Australian Taxation Office (ATO) have your correct contact details. You can update your contact details in myGov by signing in and selecting My account and then Profile. If you have lost your superannuation, you can search for it by logging into your myGov account linked to the ATO and clicking on Transfer my super, or by calling the ATO lost super search line on 13 28 65.

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Locating lost super

To locate lost super, you can use the ATO's online services through myGov. Sign in to your myGov account, select the Australian Taxation Office, then select 'Super'. From there, you can choose from the 'Information and manage' options to find lost super, compare super products, and transfer your super. If you don't have a myGov account, you can create one and link your ATO online services. Alternatively, you can use the ATO app, which offers similar services.

If you are unsure whether your employer is paying your super or which fund they are paying it to, refer to 'Unpaid super from your employer' on the ATO website. You can also ask your preferred super fund to conduct a search on your behalf.

Another option is to contact the ATO directly by calling their lost super search line on 13 28 65. Ensure you have your tax file number ready when making the call. You can also call 13 10 20 to speak with a customer care representative about your lost super.

Before deciding to combine your super, consider any fees or charges that may apply, and the impact on benefits in your other fund, such as insurance cover. Seeking financial advice is recommended.

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Using myGov to manage super

An ASFL number is a unique identifier for a super fund. It is a nine-digit number that typically starts with an "S". Now, here is an overview of how to use your myGov account to manage your super:

Logging into myGov

To get started, log in to your myGov account. If you don't have one already, you can create an account on the myGov website. Once you've logged in, select "My Account" and then "Profile".

Linking ATO to myGov

You can link the Australian Tax Office (ATO) to your myGov account. This will allow you to access and manage your superannuation and tax information through the ATO portal within myGov. To do this, select the ATO service from the list of connected services. If you don't see the ATO service listed, follow the instructions on the myGov website to link the ATO to your account.

Transferring Super

Once you're inside the ATO portal, you can select "Super", then "Manage", and finally "Transfer Super". This option will only appear if you have more than one super account. You can then transfer the entire balance from one super account to another super fund. It's important to note that you cannot transfer partial balances using myGov, and you will need to contact the super fund directly for such transfers.

Finding Lost Super

Through myGov, you can also search for lost super with the ATO. Australians have around $17.8 billion in lost and unclaimed super, so it's definitely worth checking if you have any lost super that you can reclaim.

Keeping Track of Super

MyGov allows you to keep track of your super by viewing contributions made by your employer and checking how much more you can contribute for the financial year. You can also use the myGov app on your mobile phone to access your superannuation and tax information while on the go.

Consolidating Super Accounts

MyGov can assist you in consolidating multiple super accounts. Before consolidating, it's important to check with your fund to see if you could lose any valuable insurance cover as a result.

By following these steps and utilizing the features offered by myGov, you can effectively manage your super and ensure that your superannuation is organized and up-to-date.

Contacting previous super funds

If you have lost track of your super, you can search for it in your ATO online account through myGov. If you can't find it there, you will need to contact your previous super funds. You can also call the ATO lost 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.

Before contacting your previous super funds, make sure you have the following information ready:

• Your contact details, including your current postal address, daytime phone number, and email address.
• Your super fund details, including the name and account number of any super fund where contributions may have been made on your behalf.
• Your previous details, including your name, address, and employment history.

If you have found your lost super and want to consolidate your super accounts, you can do so by completing the "Consolidate your super" form online or by downloading and completing the "Combine your super" form and emailing it back. You can also contact your super provider for information about any fees or charges that may apply, as well as any impact the transfer may have on your benefits.

Reporting employers for unpaid super

If your employer hasn't paid your superannuation, paid late, or paid to the wrong fund, you can use the Australian Taxation Office's (ATO) online tool to report them. You can also use this tool if your employer hasn't met their super guarantee (SG) obligations. The ATO is the primary enforcement agency for the compulsory super guarantee. Before reporting your employer, it is recommended that you try to discuss the unpaid super with them, as an open discussion might be the most effective way to resolve the issue.

If you are employed under one of the state industrial relations systems in NSW, Queensland, South Australia, Western Australia, or Tasmania, each state has laws that enable the courts to order your employer to pay the shortfall amount to your super fund. If you are employed under the national workplace relations system, you can seek an order from an eligible court under the Fair Work Act 2009. The Fair Work Ombudsman (FWO) may also be able to help you if you haven't received all your workplace entitlements. They may ask you to complete a wages and conditions claim form and pursue your entitlements, including going to court if necessary.

When lodging an unpaid super referral with the ATO, they will ask for permission to use your name when contacting your employer. You may qualify for protection as a tax whistleblower if you meet certain conditions, such as providing your name. If you wish to remain anonymous, you can complete the online ATO tip-off form or use the form in the Help & Support section of the ATO app.

To check whether you've been paid the correct amount of super, you can use the ATO's "Estimate my super" tool. You can also check your member statements from your super fund and confirm with your fund if the correct amount was paid. If you are unsure whether you are entitled to super, you can use the "Am I entitled to super?" tool.

Consolidating super accounts

Consolidating your super accounts can make your super easier to manage and save on fees. It is important to consider the possible consequences before consolidating your super accounts. Ask your existing super fund about any fees or charges that will apply or any loss of entitlements such as life insurance or total and permanent disability (TPD) insurance. You should also consult the receiving super fund to make sure they will accept a rollover of your super.

You can consolidate your super accounts by completing the "Consolidate your super" form online or by downloading and completing the "Combine your super" form and emailing it back to your super fund. You will need to have provided your Tax File Number (TFN) to your super fund before consolidating your accounts. If you don't know your other fund details or think you may have lost super with the Australian Taxation Office (ATO), you can use the online consolidation tool. You can also monitor your super with a myGov account linked to ATO online services.

Before consolidating your super accounts, it is important to consider any insurance cover you have with your other super funds. Consolidating your super into a single account does not automatically transfer any insurance cover you have with your other super funds. If you want to transfer insurance cover, you will need to do this before consolidating your super. You will then need to wait until you have received written confirmation that your transfer request has been accepted and your cover has started before consolidating your super.

It is recommended that you seek financial advice before consolidating your super accounts to ensure that you are making the best decision for your circumstances. You can also use the YourSuper comparison tool to compare MySuper products and choose a super fund that meets your needs.

Frequently asked questions