Frequently asked questions

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. 

Industry funds are profit-to-member funds. For example, Rest doesn't pay profits to shareholders, and offers competitive fees - which could mean more money for you when you retire.

Yes. Rest is an industry fund which is a profit-to-member fund. Rest has competitive fees and performance and doesn't pay profits to shareholders which could mean more money for you when you retire.

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. 

Super is a retirement savings plan in Australia that is intended to help you save for your retirement. You can only access your super once you meet a condition of release. For example you may access it when you reach age 60 and retire, or when you reach age 65.

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.

Things to consider

Before combining your super, consider if Rest is right for you by reviewing the Product Disclosure Statement at rest.com.au/pds. Compare the fees and costs of your other fund plus any benefits such as investments and insurance cover. Before transferring from another fund be sure to consider what 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.

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.

In Australia you are generally entitled to compulsory superannuation contributions from your employer. Employer contributions are referred to as ‘Superannuation guarantee contributions’.

The minimum superannuation guarantee contributions is 12% of your qualifying earnings (QE), a new term that brings together ordinary time earnings (OTE) and other payments such as commissions and eligible salary sacrifice amounts.

Up until recently, there has been a maximum super contribution bonus applied per quarter. If you exceeded this maximum calculation, your employer didn’t need to pay any super for the amount over the limit. However, from the 2026-27 financial year, the maximum super contribution will be calculated annually in line with qualifying earnings under Payday Super rules that commenced 1 July 2026. 

For more information click here.

Of course! If you are eligible for superannuation guarantee contributions, you will need to complete a Fund nomination form and list the super fund you want your employer to pay your super into.

You can access the form online here and email the form to your employer, or you can download and complete the form here, and email your employer yourself.

Click here for more information about changing jobs.

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.

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

SPIN / USI number
RES0103AU - Rest Super or Rest Corporate

MySuper Product Unique Identifier

62 653 671 394 831

Yes, you may have to pay tax on some super contributions, depending on the type of contribution and your circumstances. For example, contributions from your employer or salary sacrifice are generally taxed at 15% (unless you exceed the contributions threshold), and investment earnings within your super fund are generally taxed at 15%. If you withdraw your super after turning 60, most withdrawals are tax-free, however, if you're under 60, some tax considerations may apply. For more information click here.

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 age 60 and retire, or age 65. 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.

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 60 and retiring, contact Rest, or book an appointment with a Rest Adviser.

Visit our find your member number page to learn how. 

To find out what insurance cover you have and how much you’re covered for, log in to MemberAccess and click on the ‘Insurance tab’, then select ‘My insurance cover’. 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.