Combine your super

Lost super? Find and consolidate your super today

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
Our fees are at least 25% lower than the super industry average1
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Long-term performance2
Since Rest was founded in 1988, our Core Strategy investment option has returned 8.59% 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.

1Source: SuperRatings, Superannuation Market Analysis and Research Tool (SMART), 31 January 2022. Rest's Core Strategy is compared against the default investment option of all publicly available superannuation products tracked by SuperRatings. Fees are subject to change. Taxes, other fees and costs may apply.

2Returns are the compound average effective rate of net earnings since inception to 30 June 2021. Past performance is not an indicator of future performance.

Before you combine your super make sure you…

One

Consider if it is right for you


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

Two

Check your insurance cover


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

Three

Check fees and charges


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

Four

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.

Five

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.

See how much lost and unclaimed super is in your state3 

Unclaimed Super
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We can help you track down any lost super you may think you have

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

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

How do I consolidate my super with Rest?

You can find and combine your super in the Rest App or through 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 now or call us on 1300 300 778 between 8am-8pm (AEST) Monday to Friday.

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 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. 

How do I find my lost super from ATO?


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

You can find lost 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, go to online services to register.

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
1Log 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 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 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.

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, go to online services to register.