Frequently asked questions

These are some questions frequently asked by members when managing their super.


What’s an industry super fund?

Industry funds are profit-to-member funds. For example, Rest doesn’t pay commissions to financial advisers and offers competitive fees – which could mean more money for you when you retire.

Industry funds were originally set up to manage super contributions for a particular industry – for example, Rest was established as the super fund for retail industry workers. Rest is now open to everyone. You don't have to work in retail to become a Rest member – all Australians are welcome.

Is Rest an industry fund?

Yes. Rest is an industry fund which is a profit-to-member fund, with low fees and competitive long-term performance. Rest doesn't pay commissions to financial advisers which could mean more money for you when you retire.

Can I discuss someone else's account with you?

To discuss account-specific information, we need the account holder present regardless of their age to give verbal consent over the phone. This is to safeguard their privacy. For ongoing enquiries, we recommend written authorisation from the account holder. You can access a Third Party Authorisation form here

What is super?

Super is a retirement savings plan in Australia that is intended to help you save for your retirement. Generally, you can only access super when you reach preservation age and retire. Your preservation age depends on your date of birth and further information is provided here.

However there may be other circumstances like severe financial hardship or on compassionate grounds, where you may need to access your super early. This is called an early release of super. In these circumstances there are key eligibility requirements that must be met.

For more information about conditions of release click here.

So even though it may be a while before you can access it, understanding your super early will give you greater control and the confidence to make the best financial decisions for you.

To learn more about super, check out our handy super tips and videos in the Learning Centre.

How do I find and combine my super?

You can find and combine your super through the Rest App or through MemberAccess. To make it easy, we’ve broken down the steps for you.

Things to consider

Before combining your super, consider if Rest is right for you. Check out the fees and costs of your other fund plus any benefits that would be lost if you make a transfer from that fund to Rest, such as insurance cover. Make sure your other fund knows about any contributions you intend to claim a tax deduction for, before combining with Rest. For further information, visit our website.

If you have any questions, speak to a licensed financial adviser or visit the ASIC MoneySmart website.

What is SuperMatch

SuperMatch is an ATO provided service that allows members to look up details of any superannuation that they may have in their name. This information can then be used by members to consolidate their super and is an alternative method to the method that is provided through the Rest app and MemberAccess. 

Super and employment

How much/often does my employer have to contribute?

In Australia you are generally entitled to compulsory superannuation contributions from your employer. 

The minimum superannuation guarantee contributions which applies from 1 July 2023 to 30 June 2024, is 11% of your ordinary time earnings (OTE). OTE are what you generally earn for your ordinary hours of work.

If you are entitled to the minimum superannuation guarantee, your employer must pay contributions into your super fund on your behalf at least quarterly.

For more information click here.

I’ve changed jobs. Can I tell my new employer to pay super in my Rest account?

Of course! If you are eligible for superannuation guarantee contributions, you can complete this print form and give it to your employer to nominate Rest as your chosen Fund. Or if you prefer you can send an electronic copy to your employer, complete the Standard Choice form online.

Click here for more information about changing jobs.

What is my ABN/USI/SPIN number?

If you’re consolidating other super into Rest, or have changed jobs, you might need some of these numbers to help you complete the necessary forms.

62 653 671 394 - Rest Retail Employees Superannuation Trust (Rest)

SPIN / USI number
RES0103AU - Rest Super or Rest Corporate

RES0101AU – Rest Corporate Retained Category

RES0102AU - Rest Pension

MySuper Product Unique Identifier

62 653 671 394 831

Accessing your super

Can I access my super before reaching preservation age?

In some circumstances, like severe financial hardship or on compassionate grounds, you may need to access your super early. This is called an early release of super. In these circumstances there are key eligibility requirements that must be met.

Typically, however, you cannot access your super until you reach ‘preservation age‘ and retire. For most people this is retiring or changing jobs after reaching age 60. A key purpose of super is to help you put money aside for your future retirement.

To learn more about accessing your super, click here.

What can I do with my super once I reach preservation age or retire?

Each person’s situation is different, so it’s important to understand all the ins and out and get good financial advice before making any decisions about your super. When you are close to reaching preservation age and retiring, contact Rest, or book an appointment with a Rest Adviser.

Managing your super

How do I find my member number?

By clicking here we can help you find your member number.

How do I check my account details?

You can check that your account details are up-to-date in either MemberAccess or the Rest App.


  1. Log in to MemberAccess
  2. Under the ‘Member’ tab, click on ‘Personal details’
  3. Head to the ‘Contact details’ section and select ‘Edit’ to update.

Rest App

  1. Log in to the Rest App
  2. Go to the menu and select ‘Account’
  3. Click on the 'Edit' icon next to 'My contact details' to update

How can I check if I have insurance on my account?

To find out what insurance cover you have and how much you're covered for, log in to MemberAccess and click the 'Insurance' tab. If you haven't registered for MemberAccess, we can confirm your insurance details over the phone - 1300 300 778.

For more information, refer to the Insurance Guide.


How do I check or change the level of Insurance cover I currently have?

To check, and where applicable, change, cancel, increase or decrease your insurance cover, just login to MemberAccess.

Click the Insurance tab and explore your options. 

If you cancel or decrease your existing insurance cover but decide you’d like cover in the future, you will need to complete an application form and provide health information that will be assessed by the Insurer. You may not be eligible to get insurance cover again. 

How do I make a claim?

To notify Rest of your claim call 1300 300 778 or request a call back.

For more information click here.

What is the claims process?

The insurance claims process goes through several stages:

  1. Submit claim forms
  2. Insurer assessment
  3. Insurer decision
  4. Trustee decision
  5. Decision notice

For information on your particular circumstances contact us on call 1300 300 778 or request a call back.

What if my claim is not accepted?

You can write to the Rest Complaints Officer and request a review of your claim at any stage. You should provide any new evidence you obtain to support your case.

If you remain unsatisfied with the outcome of the complaint review, you can lodge a complaint with Australian Financial Complaints Authority (AFCA) at or phone 1800 931 678. AFCA provides a fair and independent complaint resolution service for financial complaints at no cost.

If you require any additional information about the Rest complaints handling process please refer to the concerns and complaints page at, alternatively you can contact us on 1300 300 778.

How can I check on the progress of my claim?

Simply call Rest on 1300 300 778 or request a call back.

Do I need a lawyer?

A lawyer is not required to make an insurance claim or to have an insurance claim assessed. Rest is here to help you process your claim - feel free to contact us directly.

After your insurance claim is lodged and under assessment, the claim is assessed based on the facts of your particular circumstances such as, whether you have insurance at the time, and if your condition is proven and covered. Our insurer is committed to assisting you during this difficult time.

If you feel that you need someone (eg a lawyer) at any stage to assist you with your claim, then Rest and our Insurers will gladly work with your authorised Third Party.

If you need to begin the process of making an insurance claim click here.