Keeping track & lost super

Lost and found super

Make the most of your super by keeping track of it.

Find lost and ATO-held super

Smart tip

It is worthwhile making the effort to look for your lost or ATO-held super, as it could mean more money for you in retirement.

Have you kept track of all your super? If you've ever changed your name, address, job, or done casual or part-time work, you may have lost track of some super.

Quick search

If you super fund has lost contact with you your super may be considered lost or unclaimed. Who you contact to find and claim lost super will depend on the type of fund and when the super became unclaimed. You can find more details on the Australian Taxation Office's (ATO's) lost and unclaimed super page.

The ATO also holds super, including amounts paid by employers, super funds or the government, if your super fund can't contact you or the ATO has been unable to find an account to transfer the money to.

You can do a quick search for super and ATO-held super on the ATO's SuperSeeker website.

Do a quick search by providing your name, date of birth and tax file number.

Keep track of your super

You can also register for the ATO's online services via myGov and use the 'Manage your super' option to: 

  • Check all your super accounts
  • Find lost super
  • Find ATO-held super
  • Transfer your super (including lost and ATO-held super) to the super account you want. Fund-to-fund transfers will generally take 3 working days.

Registering online with the ATO will help protect the personal information displayed and ensure that any transactions are only made by you.

Check your super statement

Getting your annual super statement is a great trigger to do a quick review of your super.

Whether you receive your statement by post, online or in an email don't neglect or delete it. Check the following details and think about any changes you want to make.

  • Balances - Check the balance at the start and end of the year. If the balance doesn't look right or you're just not sure, contact your super fund straight away.
  • Employer's payments - Make sure you received all your super from your employer - see below for more details on what to look for.
  • Extra contributions - Be sure any extra money you paid in is included. See contributing extra to super.
  • Fees - Make sure you're not overpaying because that can really eat away at your super over time. For more information see super fees. And if you're not happy with the fees you're paying consider changing super funds.
  • Insurance - Check you're covered for the right amount of insurance through super.
  • Tax - Ensure you are being taxed at the correct rate for contributions, usually 15%.
  • Investments - Make sure you're in the investment options you chose and all returns are being credited to your account  - these could be positive or negative.

If you don't understand the statement or think there is an error, contact your super fund. You have the right to a clear explanation.

Keep all your statements in a safe place so you can keep track of your accounts and know how to contact your fund.

Check your employer's super contributions

Employers must pay contributions at least quarterly, although many employers make their super payments more often than that. Your payslip must show the amount of super contributions that have been paid into your fund and the date they are to be paid into your account.

Your employer must make minimum contributions according to the current super guarantee (SG) rate, although they can elect to pay more than the minimum. Use our employer contributions calculator to check that you are receiving what you are entitled to.

Employer contributions calculator

This is especially important if you are a casual or part-time worker. Talk to your employer if you don't think you are being paid the correct amount of super.

If you are concerned about unpaid super contributions, see the ATO's information on unpaid super or call 13 10 20.

Keep track of your super to boost your retirement income. The sooner you take control, the greater the benefit. Act now.

Related links

Last updated: 14 Jan 2015

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