Find and combine your super

Consolidate your super

Discover the benefits of putting your money in one place.

Why consolidate?

Sometimes you don’t know you’ve lost something until you go looking for it. According to the ATO, Australians have $16 billion* in unclaimed super. It’s a good idea to check if you have accidentally (or on purpose) become a member of more than one super fund. This might have happened because you’ve had more than one job and each employer entered you into a new fund. Here’s where consolidation comes in. This is the process of ‘rolling over’ your super to combine all the super from multiple accounts into just one.

*Source: ATO, as at 23 February 2023

Benefits of consolidating your super

Two coins

Pay less

Multiple super accounts = multiple fees. For every super account you have, you’ll be paying fees to keep it open. So, by having just the one account, you should be able to save some moolah.

Dollar sign in cloud

Worry less

Consolidating means there’s less risk of some of your super getting ‘lost’.

A plant with money on it

Grow more

One account with a larger balance means you can focus on your investment strategy. A bigger account could mean bigger rewards!

How to consolidate your super

Before consolidating, it’s a good idea to seek financial advice. If you wish to consolidate your super into your GuildSuper account, you can take advantage of our member benefits, which includes intrafund advice at no extra cost. Please note that any intrafund advice services are provided by or on behalf of smartMonday Solutions Limited ABN 48 002 288 646 AFSL 236667 and not the Trustee.

You also have the option to consolidate your super though the ATO using your MyGov account. For more information on consolidating your super through MyGov see the Moneysmart website.

It’s SUPER easy to consolidate your super with Child Care Super. Here’s what you’ll need to get started

  • An online account (this should only take a minute to set up)

  • Up to date contact emails in your online account (so we can send you a verification code)

  • Two pieces of ID (e.g. your driver’s license, Medicare card etc.)

Once you’ve got all that, you’re ready to follow these steps:

  1. Log in to your online account

  2. Select Grow My Super

  3. Go to Find My Super

  4. Follow the prompts to provide your TFN.

Then it’s over to us. We’ll find any other super accounts you have registered with the ATO. If you choose to consolidate them, we will notify your other super funds and they will tell the ATO on your behalf, so you don’t have to do anything else.

That’s it! A few simple steps and you’ll be on your way to being a one super account wonder.

Things to consider before you consolidate

Before you decide to consolidate your super, it's important to take a moment and consider any fees that might be involved and keep in mind that you could potentially lose any insurance coverage you have with your other fund(s). Once you combine your super into one account, your entitlements with your other fund(s) may come to an end.

So, take a little time to weigh the pros and cons before you make the move!

This information is general in nature and does not take account of your personal financial objectives, situation or needs. Before deciding whether a particular product is appropriate for you, please read and consider the relevant Product Disclosure Statement, Target Market Determination and Financial Services Guide available on this website or by calling us. You should speak with a financial adviser to obtain advice tailored to your personal circumstances. Contact us about the intra-fund advice services you may be able to access through your membership. Past performance is not a reliable indicator of future performance. The Promoter and the Trustee take no responsibility for you acting on the information provided. Any decision that you make is at your own risk. 

You could also consolidate using our awesome mobile app

Page last updated 13 December 2023