Find lost super or forgotten superannuation accounts

Do you know how many super accounts you have? If you don’t know, or you have remembered about long-forgotten super accounts, then this page can help you retrieve your super benefits, and combine them into a single super account.

Your super fund, or super funds, may have reported you as a ‘lost member’ to the Australian Tax Office, and your name is then added to the Lost Members Register. Typically, you will become a lost member if your super fund has not been able to contact you, and the fund has not received any super contributions on your behalf in the past 12 months. Alternatively, your super fund may report you as a lost member if your super account has not received any super contributions in the past 5 years.

The ATO may be holding your super money as well as maintaining the Lost Members Register. If your lost super becomes ‘unclaimed superannuation money’, your super fund must pay your super money over to the ATO. Your lost super becomes unclaimed superannuation money in 2 instances:

  • Your super account has a balance of less than $4,000 (small lost member accounts), and note that this $4,000 threshold increases to $6,000 from January 2017, OR
  • Your super fund has not received a super contribution (or transfer from another of your super accounts) within the past 12 months, and the super fund is satisfied that it won’t ever be possible to pay an amount to you as a fund member (insoluble lost member accounts)

If you want to find your forgotten super accounts, including any super accounts considered lost or unclaimed by your super fund and the ATO, then you can locate your super benefits by using the ATO services, MyGov ( to search for all of your super accounts) and SuperSeeker (which searches the Lost Members Register). For a step-by-step process explaining how to locate your super accounts, see SuperGuide article Find lost super in 5 steps, and make quick cash.

Once you find your super accounts, you can then decide which super fund you wish to use to consolidate your super benefits into one account. For an easy-to-follow explanation on how you to combine (or consolidate) your super accounts, see SuperGuide article Super in 3 steps: You’re probably richer than you think.

Set out below are all SuperGuide articles explaining Find lost super or forgotten superannuation accounts.

Super health check for beginners: 10 tips for your 2016/2017 retirement planning

Note: This article is current for the 2016/2017 financial year.Near the start of each financial year, SuperGuide publishes an updated super checklist for beginner readers. More advanced checklists will follow in coming months. Use this list as a kick-start for your 2016/2017 super resolutions. … [Read more...]

Super for beginners: 14 monkeys stop women creating a dream retirement

For so many women, the needs of other people usually come first — children, partner, parents, friends and even workmates. Often, for a woman to think about her own needs, she has to face a health challenge, financial stress or a relationship breakdown.Too dramatic, perhaps? I don’t think so. The … [Read more...]

Super for Beginners (25 Q&As)

One of SuperGuide’s more popular initiatives has been the development of a ‘Super for Beginners’ section that answers some of the many questions that we receive from those readers who are new to superannuation and new to super’s terminology.The series currently consists of several lead articles, … [Read more...]

Super for beginners, part 18: My employer hasn’t paid my SG. What can I do?

Q: What steps can I take to ensure my employer contributes all that I am owed to my super fund? I have been asking my employer for the last 3 to 4 months about putting my super contributions into my super fund, as they have not done so since I started working there about 1.5 years ago. I only … [Read more...]

Super for beginners, part 21: You know where your super goes, right?

Q: How do I find out where my super contributions end up? What I mean is, how do I find out the name of my super fund?A: Your question is a popular one in Australia, even though super fund members receive member statements from their super funds every year. Know the name of your super fund If … [Read more...]

Super for beginners, part 19: My employer has gone broke. What happens to my SG entitlements?

Q: My employer has suddenly ceased trading and despite appearing on weekly pay slips, I and fellow employees find no super contributions have been made, in my case for over 12 months. What, if any recourse, do we have?If your employer has not paid your super entitlements into your super fund, … [Read more...]

Super for beginners, Part 1: I’m new to Australia – help me!

Q: I’m new to Australia and I have no idea where to start with my super in order to have the best outcome 40 years from now. So far, I have had my super spread between 3 industry super funds, as organised by temp employment agencies. I know this is not the way to continue, but I am not sure who to … [Read more...]

Fee hike for small super accounts

If you have less than $1000 in your super account, or you have children or grandchildren with part-time jobs (or starting their first full-time job), then you will be very interested in this article.Effective since 1 July 2013, the federal government abolished the ‘member protection’ rule which … [Read more...]

Lost super rules making money for the Government

The ATO has enjoyed a super bonanza of more than $700 million, which will increase to more than $1 billion by January 2017 as a result of the misfortune of those Australians who have ‘lost’ their superannuation through lack of action or ignorance. The windfall to the ATO is a result of changes to … [Read more...]

Super in 3 steps: You’re probably richer than you think

If you have more than one super account you’re probably paying more in fees than you need to, and possibly having insurance premiums deducted from each of your super accounts. Paying at least double (and triple if you have 2 super accounts) in fees and insurance is not a great retirement planning … [Read more...]

Find lost super in 5 steps, and make quick cash

Did you know that more than $16 billion dollars is sitting in 6 million lost super accounts (and ATO-held super accounts) waiting for Australians to claim the super cash?If you’re one of the many Aussies with one or more lost accounts then you better act quickly. The federal government has … [Read more...]

SuperGuide checklist: 10 ways to save your super

The superannuation accounts of Australians have been affected by volatile investment markets in recent months, and you may be tempted not to focus on your super and retirement plans because of this volatility. Although you cannot control the investment markets (but you or your super fund managers … [Read more...]