Back to Manage my super

Combine your super

Back to Manage my super

Around 4 million Aussies have more than one super fund*

Did you know, having multiple super accounts could mean you’re paying multiple fees? If you combine your super, you could avoid doubling up on fees and insurances.

*As at 30 June 2023, Australian Taxation Office (ATO), Super Accounts data: trend towards single accounts

Benefits to combining your super with Rest

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Grow it together
Easier to keep track of your super
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Stop doubling up
Avoid paying multiple fees and doubling up on insurances
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Life admin sorted
Save time by reducing paperwork
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Low fees
Rest Core Strategy fees are at least 20% lower than the super industry average1
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Competitive long-term performance2
Since Rest was founded in 1988, our Core Strategy investment option has returned 8.35% pa
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Profit to members
As an industry super fund, our members are our top priority, so profits go back to you, not to shareholders.

1. Rest analysis using Chant West Member Outcomes Dashboard (31/01/2024). Rest Core Strategy compared against the average of 51 available super funds’ growth-style options tracked by Chant West. Includes admin fees and costs, investment fees and costs, transaction costs, and costs met from reserves. Other fees and costs may apply. Fees are only one factor to consider when investing super. Chant West does not issue, sell, guarantee or underwrite this product. Go to www.chantwest.com.au for ratings criteria.

2. Core Strategy returns are the compound average effective rate of net earnings since inception to 31 March 2024. Past performance is not an indicator of future performance

Before you combine your super make sure you…

Consider if it's right for you

Consider if it's right for you

It’s always a good idea to speak to a licensed financial adviser or visit ASIC's MoneySmart before combining. We can’t stop the transfer if you later change your mind.

Check your insurance cover

Check your insurance cover

Are there any death and disability insurance cover that you may lose if you change funds? 

Check fees and charges

Check fees and charges

Find out if your other super fund may charge fees when leaving the fund.

Check if you wish to claim a tax deduction for personal super contributions

Check if you wish to claim a tax deduction for personal super contributions

If you do, you must lodge a notice of intent to claim a tax deduction with your original fund before you consolidate your super into another fund.

Tell your employer

Tell your employer

You will need to complete a Choice of fund form and list the super fund you want your employer to pay your super into. To complete the Rest Choice of fund form click here.

If you have any questions, please speak with a licensed financial adviser or visit ASIC's MoneySmart for more information.

How do I consolidate my super with Rest?

You can find and combine your super in the Rest App or through MemberAccess.  

App

Rest App

1. Head to the ‘combine my super’ section.

2. Have your ID ready to complete a quick verification check (if you’ve already done this, you’ll skip to step 3).

3. Start your search, and choose the funds you’d like to combine into Rest.

Open Rest App
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MemberAccess

1. Log in to MemberAccess.

2. Click on the 'Combine your super' tab.

3. Have your ID ready to complete a quick verification check (if you've already done this, you'll skip straight to step 4). 

4. Start your search, and choose the funds you'd like to combine into Rest.

Open MemberAccess

Alternatively, you can consolidate your super online via myGov Online Services. You can find out more in the FAQs below.

Need help combining your super?

Talk to us via chat Monday to Friday 8am to 8pm and Saturdays 9am to 5pm (AEST/AEDT) or call us on 1300 300 778 Monday to Friday 8am to 8pm (AEST/AEDT).

Get in touch

Do you have lost super waiting to be found?

Chances are if you’ve had a few jobs, you may have forgotten super in other funds or sitting at the ATO. 

Learn more

Not a member? It’s easy to switch your super to Rest

Join Rest today

Got a question?

Why should I keep track of my super?

Staying on top of your super will keep you up to date about:

  • How much super you’re being paid
  • How many super accounts you have
  • Any insurance provided with your super

It’s important to know where your super is. Having multiple accounts can mean paying multiple fees which over time could add up to thousands of dollars. That's money that could be saved towards retirement.

For more information visit the ATO website. 

What is unmatched super?

Sometimes super funds can be tricky to match if your personal details have changed or are incorrect. If you think you should have other super funds out there, you can get in touch with us. Or alternatively, you can check your details at ATO Online Services through myGov or phone 13 28 65.

Does consolidating my super cost money?

Consolidating your super into one account can be done in a few simple steps.

Rest does not charge a fee for using the find and combine tool or consolidating into Rest.

Please note, before combining it’s important to know that your other super fund may charge fees when leaving the fund.

How do I consolidate my super?

You can consolidate your super in a few different ways.

Rest App

  1. Log into the Rest App.
    Don’t have the app or the latest version? Download it here.
  2. Click the ‘Combine your super’ tab and follow the prompts to find and combine your super.

MemberAccess

  1. Log in to MemberAccess
  2. Click the ‘Combine your super’ tab and follow the prompts to find and combine your super.

Online via the ATO

  1. Log in or create a myGov account
  2. Link your myGov account to the ATO
  3. Select 'Super' and then 'Manage'
  4. Select 'Transfer super' (this option will only appear if you have more than one super account)

Remember we’re here to help If you need a hand. Talk to one of our live chat agents Monday to Friday 8am to 8pm and Saturdays 9am to 5pm (AEST/AEDT) or call us on 1300 300 778 Monday to Friday between 8am to 8pm (AEST/AEDT).

Before combining your super, you should know that:

  • any death and disability insurance cover that you have with your other super fund will be cancelled and the account will be closed;
  • your other super fund may charge fees when leaving the fund;
  • if you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your original fund, before you consolidate your super into another fund;
  • we won't be able to stop the transfer if you later change your mind; and
  • you will need to complete a fund nomination form with Rest if your other super fund account is receiving contributions from your employer and you want these to be re-directed to your Rest account.

If you have any questions, please speak with a licensed financial adviser or visit ASIC's MoneySmart website for more information.

How long does it take to consolidate super?

If your consolidation request is successful, it generally takes three working days for a fund-to-fund transfer to occur.

You’ll also be notified once the transfer has happened. If you’re rolling your funds into your Rest account, you will be able to view this transaction via MemberAccess or the Rest App.

Verifying your identity

To comply with Anti-Money Laundering and Counter-Terrorism Financing laws and other regulatory requirements, we must confirm your identity before you can find and combine your super.

While our requirements may seem strict, they’re necessary to protect your identity and keep your super money safe. To confirm your identity, we’ll need to complete a quick identification check.

How do I transfer super from one fund to another?

You can find and then choose to transfer super from one fund to another a few different ways.

Rest App

  1. Log into the Rest App.
    Don’t have the app or the latest version? Download it here.
  2. Click the ‘Combine your super’ tab and follow the prompts to find and combine your super.

MemberAccess

  1. Log in to MemberAccess
  2. Click the ‘Combine your super’ tab and follow the prompts to find and combine your super.

Online via the ATO

  1. Log in or create a myGov account
  2. Link your myGov account to the ATO
  3. Select 'Super' and then 'Manage'
  4. Select 'Transfer super' (this option will only appear if you have more than one super account)

Remember we’re here to help If you need a hand. Talk to one of our live chat agents Monday to Friday 8am to 8pm and Saturdays 9am to 5pm (AEST/AEDT) or call us on 1300 300 778 Monday to Friday between 8am to 8pm (AEST/AEDT).

Before combining your super, you should know that:

  • any death and disability insurance cover that you have with your other super fund will be cancelled and the account will be closed;
  • your other super fund may charge fees when leaving the fund;
  • if you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your original fund, before you consolidate your super into another fund;
  • we won't be able to stop the transfer if you later change your mind; and
  • you will need to complete a fund nomination form with Rest if your other super fund account is receiving contributions from your employer and you want these to be re-directed to your Rest account.

If you have any questions, please speak with a licensed financial adviser or visit ASIC's MoneySmart for more information.

Can you consolidate super on myGov?

Yes, you can consolidate your super online via myGov Online Services. To make it easy, we’ve broken down the steps for you:

  1. Log in or create a myGov account
  2. Link your myGov account to the ATO
  3. Select 'Super' and then 'Manage'
  4. Select 'Transfer super' (this option will only appear if you have more than one super account)

Before combining your super, you should know that:

  • any death and disability insurance cover that you have with your other super fund will be cancelled and the account will be closed;
  • your other super fund may charge fees when leaving the fund;
  • if you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your original fund, before you consolidate your super into another fund;
  • we won't be able to stop the transfer if you later change your mind; and
  • you will need to complete a fund nomination form with Rest if your other super fund account is receiving contributions from your employer and you want these to be re-directed to your Rest account.

If you have any questions, please speak with a licensed financial adviser or visit ASIC's MoneySmart website for more information.

How do I check if I have unclaimed super?

We can help you track down any unclaimed super held at the Australian Tax Office (ATO).

You can find unclaimed super using the Rest app or through MemberAccess. To make it easy, we’ve broken down the steps for you.

Rest App

  1. Log into the Rest App.
    Don’t have the app or the latest version? Download it here.
  2. Click the ‘Combine your super’ tab and follow the prompts to find and combine your super.

MemberAccess

  1. Log in to MemberAccess
  2. Click the ‘Combine your super’ tab and follow the prompts to find and combine your super.

Please note, any lost super you have held at the ATO will be automatically combined into your Rest account for you.

You can also search online via myGov.

Log in to your myGov account linked to the ATO and click on Manage my super.

If you are not already registered for myGov, register here.

Young woman holding a smartphone Young woman holding a smartphone

Like what you see here at Rest?

So you’re interested in taking things to the next level but not quite ready to commit and join us yet. No dramas! Fill in the quick form below and we’ll send you more details about why Rest could be right for you. Who knows, we could be the perfect match!

 

 

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