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

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 file number.

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 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 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 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.

Employer contributions calculator

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.

Related links

Last updated: 18 Feb 2014

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