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There are billions of dollars in lost super in Australia, and some of it could be yours. The good news is that it’s pretty easy to find.

A super account is considered lost if your super fund can’t contact you or your account has been inactive for some time. This can happen if you move, change jobs, or change your name. When a super account becomes lost, super funds are required to send the money to the Australian Taxation Office (ATO).

But finding your lost super is not hard, and it’s easy to consolidate it with your other super.

Are you paying extra fees? 

If you have multiple super accounts, you could be paying multiple sets of fees which can impact your long-term super savings.  It’s easy to see the difference having one fund can make1.


Jane is 45 years old with $97,000 in super. She has three super accounts with three different super funds and pays three sets of fees.


Lucy is 45 years old with $97,000 in super. She used to have multiple accounts  until she combined them into one super account. Lucy now pays only one set of fees. 

Account balance    Annual fees      Account balance    Annual fees   
Super account 1     $70,000 $52 Super account 1    $97,000 $52
Super account 2 $20,000 $117 TOTAL $97,000 $52
Super account 3 $7,000 $65      
TOTAL $97,000 $234      


Over the rest of the accumulation period Jane will pay around $4,000 in extra fees. Plus the foregone investment returns associated; Jane’s retirement balance is $6,000 lower.

Paying one set of fees means Lucy will have $4,000 more invested in her super than Jane. This will lead to a retirement balance that is about $6,000 higher than Jane’s balance.

Finding your lost super

Find your super

You can find your lost and other super by using the Consolidate tab in MembersOnline.

You’ll need to verify your identity and enter your TFN if you’ve not previously supplied it. Any lost super held by the ATO will be automatically combined into your account and a list of other super accounts you hold will be shown. You can then choose if you’d like to transfer these accounts to your VicSuper account.

Create a myGov account and link to the ATO to see details of your super accounts, including any you have lost track of.

You will need your:

  • name
  • date of birth
  • tax file number (TFN)

Things you need to consider when transferring your superannuation

When you transfer your superannuation from another fund, your entitlements under that fund may cease. You need to consider all relevant information before you make a decision to transfer your superannuation.

Check the fees

Entry and exit fees cannot be charged. Before you transfer your lost super, you should check the implications on fees and tax, and any benefits (eg insurance) you may have.

Bring it all together 

Consolidating all of your super into one account is easy and means you will only need to pay one set of fees and keep track of one account.

Consolidate your super

Need some help?

If you have any questions about consolidating or need help understanding the implications of consolidating or rolling out of another fund, use our advice service to speak to a financial planner.



1 Retirement balances are rounded to the nearest $1,000 and are stated in today's dollars, deflated using Average Weekly Ordinary Time Earnings (AWOTE) at 3.0% p.a.
Based on a female member aged 45 and planning to retire at age 67;
Based on SG of 10% for 2021/22 and then increasing each financial year by 0.5% until it reaches 12% on 1 July 2025 (where it will remain at 12%)
Based on 2021/22 income tax rates.
Investment returns are based on the Aware Super MySuper Lifecycle option, assumed to be CPI + 4% p.a. until age 55, reducing from CPI + 4% p.a. to CPI + 3% p.a. between the ages 55-65 (inclusive) and CPI + 3% p.a. from age 65 onwards.
CPI is assumed to be 2.5% p.a.
Only differences in dollar admin fees are modelled. It is assumed that $182 extra admin fees p.a. are paid by the member holding three accounts. Asset-based admin fees are not modelled for both cases as investment returns are assumed to be net of fees and tax.
Insurance premium is assumed to be the average for members with default insurance arrangements, indexed with AWOTE of 3% p.a.

This example is for illustrative purposes only and is not intended to provide a forecast or guarantee on outcome. It is a broad illustration of the steps a member could take, but the actions appropriate for an individual will vary depending on their personal circumstances. The case study is based on current regulatory requirements and laws, including tax rates, which may be subject to change. Investment return assumptions are for illustrative purposes only and for simplicity assume an average rate of return each year throughout the investment period. Actual returns year on year may be negative and may vary materially. If investment returns/inflation are higher/lower, final balances will differ. 

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