Combine your super

Lost super? Find and consolidate your super today

Benefits to combining your super

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Easier to keep track of and manage
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Avoid paying multiple fees
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Save time by reducing admin

Did you know there’s $13.8 billion~ in lost and unclaimed super. Is any of it yours?

If you’ve had a few jobs, chances are you have forgotten super in other funds and even have lost super held at the Australian Tax Office (ATO). Let us help you track it down.

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

Why consolidate super with Rest?

How do I consolidate my super with Rest?

You can find and combine your super in 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. Tip: Make sure you’ve got the latest version (3.2.0 or above) installed
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.

Remember we’re here to help If you need a hand. Talk to one of our live chat agents now or call us on 1300 300 778 between 8am-10pm (AEST) Monday to Friday.

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.


FAQs

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 lost super and super held by the ATO?


According to the Australian Taxation Office (ATO), there’s $13.8 billion held as lost or unclaimed super in accounts across Australia as at 30 June 2020.

If you’ve had a few jobs, changed your name, or address you may have forgotten super in other funds and even lost super sitting at the ATO. This may be held by:

  • Your super fund
  • The ATO

By conducting a search, you’ll be able to easily find any super accounts in your name and reunite with any super held at the ATO. 

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.

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.

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 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 now or call us on 1300 300 778 between 8am-10pm (AEST) Monday to Friday.

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.

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.

^Returns are the compound average effective rate of net earnings since inception to 30 June 2021. Explicit fees such as fixed dollar administration fees, exit fees, contribution fees and switching fees are excluded. Investment returns are only some of the factors that you should consider when deciding how to invest your super. Past performance is not an indicator of future performance. These returns do not allow for inflation.


~As at 30 June 2020, Australian Taxation Office (ATO), Super accounts data overview