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
It is worthwhile making the effort to look for your lost or
ATO-held super, as it could mean more money for you in
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.
The Australian Taxation Office's (ATO's) quick online search can help
you see if you have any lost or unclaimed super.
Do a quick search by providing your name, date of birth and tax
Keep track of your super
You can also register for the ATO's online services and use
the SuperSeeker tool to:
- Check all your super accounts
- Find lost super - there are billions of
dollars in unclaimed super
- Find ATO-held super - these amounts are
different from lost super and are paid by your employer, super
fund, or the government, then held by the ATO on your behalf
- Transfer your super (including lost and
ATO-held super) to the super account you want. For fund-to-fund
transfers this 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
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 balances look wrong 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
- 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
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
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
Occasionally, employers don't pay the correct amount. Check with
your fund to see if the right contributions are getting through. If
you are a casual or part-time worker, this is especially important.
Talk to your employer straight away if the payments seem too small
or are not getting through.
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.
Last updated: 18 Feb 2014
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