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.
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
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
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
- 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
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.
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.
Last updated: 14 Jan 2015
Thank you for your feedback