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What is lost super?

There’s a lot of lost and ATO-held super out there, around $17.5 billion# in fact. Some of it could be yours. Almost 1 in 2 Australians have more than one super account and around half of them have super they have lost track of. Do you know where all your super is? If you’ve ever changed jobs, moved house, or changed your name, there’s a good chance you may not have kept tabs on all of your super.

Your super account will generally be considered ‘lost’ if:

  • No contributions or rollovers have been added to your super account in the last 12 months, the super fund has made one or more attempts to contact you and your super fund has reasonable grounds to believe you can no longer be contacted at the address you provided, and
  • You have not contacted your super fund within the last 12 months, and
  • You have not accessed details about your super fund through any electronic facility provided by the fund (e.g. an app) within the last 12 months.
  • For employer-default super plans, no contributions or rollovers have been added to your super account in the last five years.

BT and Westpac make it easy to find your super with SuperCheck. Best of all it only takes a matter of seconds. Watch this video – it’s less than 60 seconds, just like a SuperCheck.

Under some circumstances the balance in your ‘lost’ super could be transferred from your super fund to the ATO, for example, where:

  • Your account balance is less than $6,000, or
  • Your super fund is unable to identify you as the owner of the account based on the information they have available to them.

The ATO could also be holding other super amounts for you such as super guarantee amounts paid to them by a previous employer, or super co-contributions or low income super contributions paid by the Government.

Things you should know

#The ATO website reported $17.5bn in lost super as at 30 June 2018.

The information shown on this site does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. Any taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice.

Westpac SuperCheck involves a search for superannuation being undertaken by BT Funds Management Limited ABN 63 002 916 458, AFSL No.233724 (BTFM), the trustee and issuer of interests in BT Super for Life, which is a part of Retirement Wrap ABN 39 827 542 991. A Product Disclosure Statement (PDS) for BT Super for Life can be obtained by calling 1300 653 553 or by visiting You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose interests into BT Super for Life. BTFM is a member of BT Financial Group – A Division of the Westpac Group.

Superannuation is a preserved asset subject to conditions of release. You will need to satisfy a condition of release to access these funds.

There is no charge for accepting any rollovers, however before requesting the rollover, you should check with your other fund(s) to determine whether there are any exit fees for moving your benefit, or other loss of benefits (e.g. insurance cover). There may be limited circumstances where your employer is not required to accept your Choice of Superannuation fund form e.g. if you have already exercised Super Choice in the last 12 months.

This information may contain material provided by third parties and is given in good faith and has been derived from sources believed to be accurate at its issue date. Information that has been provided by third parties has not been independently verified and the Westpac Group is not in any way responsible for such information. Information current as at 28 February 2017.

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