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Super Consolidation & Lost Super

Multiple super accounts = multiple fees eroding your balance. Find lost super and see how much you could save by consolidating.

Your Super Accounts

Add each super account to see the total fee drag:

Fund name

Balance

Annual fees ($)

Consolidated fund annual fee ($)

Years to retirement

Expected return (% p.a.)

Finding Lost Super

MyGov/ATO: Log in to MyGov → ATO → Super → "Find and manage your super". Shows all funds linked to your TFN, including ATO-held amounts.
ATO-held super: Accounts with balances under $6,000 that have been inactive for 16+ months are transferred to the ATO. Also applies to lost super (no contact for 12+ months).
From overseas: You can access MyGov from anywhere with internet. Use the ATO app for easier access. International phone: +61 13 10 20.
Consolidation process: Via MyGov, select your preferred fund and click "Transfer". Most rollovers complete within 3–5 business days.

Before consolidating: Check if your fund has insurance (TPD, death, income protection). Consolidating may cancel insurance in the losing fund. If you need that cover, arrange replacement before rolling over.

Low-balance accounts: Funds with balances under $6,000 can't charge more than 3% in admin fees, and exit fees are banned. But these small accounts are still being eroded — consolidate to maximise your retirement savings.