Consolidating your super can be quick and easy
01 March 2023
We aim to make it easy for you to search for lost or forgotten super and combine it¹ into one account through QSuper Member Online.
According to Australian Tax Office (ATO) figures, there’s $13.8 billion held as lost or unclaimed superannuation in accounts across Australia, with almost $2 billion in Queensland alone.2 Some of it could be yours.
Who has lost or unclaimed super?3
If you have ever changed your name, address, job or lived overseas, you may have unintentionally lost track of some of your super.
Lost super is money that is held on your behalf when your super fund, your employer or the government can't find an account to deposit your super into.
The ATO says you may be reported as a ‘lost member’ if:
- your super fund has not been able to contact you
- your super fund has not received any contributions or rollover amounts for you in the past five years
- your account was transferred from another fund as a lost member account and no new address has been found.
The ATO may be holding ‘unclaimed super’ money for you if you are:
- a member 65 years old or older where a contribution has not been received within the past two years, and it has been at least five years since your last contact with the fund, and you are uncontactable
- the intended recipient of a family law payment split, and the fund has been unable to complete the payment split
- a deceased member where the fund has been unable to identify a beneficiary
- a former temporary resident
- have an inactive account with a balance less than $6,000
- have a lost account that has been inactive for five years or more and the super fund has not had insufficient records to identify you as the owner of the account.
Super funds are required to report and pay unclaimed super money to the ATO twice a year.
Quickly and easily find your super
Finding your lost super can be key to helping you reach your retirement goals.
If you want to check if you have any lost or unclaimed super, we aim to make it quick and simple through Member Online.
Through Member Online, you can search for a full list of any super accounts you have with other super funds and any ATO-held super that may belong to you. There are no paper forms to sign or mail in.
Under security measures designed to protect your personal information, you will need to require personal identification, such as your driver’s licence or passport, to meet an identity check and complete the search.
The results of your search are private.
While we can search for your super funds and lost super automatically, we will never bring your funds over unless you ask us to.
If we find other super for you, you'll be given a choice to consolidate1 into your QSuper account.
Put your lost super to work
The sooner you find any lost super you may have, the sooner you may be able to get your money working harder for you.
Consolidating, or combining your super, including any lost super, means moving all of your super into one account. One super account means one set of fees. Before you consolidate your super, you should check with your other super funds about any fees or loss of insurance or other benefits.
Benefits of consolidating your super into one account may include:
- Paying fewer fees – having your super in one account could mean fewer fees
- Reducing paperwork – one super account means one statement
- Keeping track of your super – one super account may make your super easier to manage
- Avoiding excess insurance premiums – one super account reduces your chance of paying multiple insurance premiums.
Start your search
Look for lost or unclaimed super through Member Online.
1. Before you consolidate your super, please consider if withdrawing savings from your current fund/s could lock in a previous investment loss. You should also check with your other fund/s if you will lose access to benefits such as insurance or pension options, or if there are tax implications.
2. ATO, 18 March 2021, Lost and unclaimed super by postcode, accessed 20 June 2022 at ato.gov.au
3. ATO, 29 November 2019, Searching for lost super, accessed 20 June 2022 at ato.gov.au