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Find and combine your super

Let's bring your super together

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There's around $16 billion in lost and unclaimed super across Australia1.

It can be easy to lose track of super from past jobs. Searching and bringing your super into one account:

  • means you’re not paying unnecessary additional fees and potentially multiple insurance premiums
  • makes it easier to keep track of your super balance
  • could boost your super balance in the long term.

Bring your super together in three easy steps

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1. Get online
Log into your account and go to ‘Find and combine your super’ on the summary tab.


2. Search for your super
Verify your identity and we can search for your super2. Have two forms of ID handy eg driver's licence, Medicare card. If you’ve already done this, you’ll skip to step 3.

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3. Bring your super together
Select the accounts you would like to bring together. 

Things to consider

Insurance and other benefits
It’s important to check whether you’ll lose any existing insurance cover or other benefits after bringing your super funds together and whether your remaining cover is sufficient. Once you consolidate your super, any insurance cover in your other super accounts will be cancelled.

You may not be able to claim upon multiple insurance policies, so consider whether you need more than one policy or whether you can get enough insurance through one super fund. If you have insurance in your other super account and would like to transfer that cover to us, you’ll need to submit a Transfer your insurance cover form and receive confirmation from us that your cover has been transferred before combining your super.

Contributions to super
Check where any contributions are being paid for you so that they’re being directed to an account you want to keep open.

If you’ve made personal super contributions to your other fund and wish to claim a tax deduction, you’ll need to lodge a notice with them and have it acknowledged or confirmed before combining your super.

Cost of transferring 
You should check if fees or costs will be charged in the super account you’re transferring from, for example a buy-sell spread or capital gains tax may apply when transferring.


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Need some help?

Getting help at no additional cost is all part of being with IOOF.

Book a time with one of our Financial Coaches. Book now

If you have a financial adviser, we recommend you speak to them about whether bringing your super together is the best option for your situation.

1. Australian Tax Office, 27 February 2023, ATO Super data: lost, unclaimed, multiple accounts and consolidations, accessed 28 February 2023.
2. Note: if the ATO‘s SuperMatch service is not available, we will not be able to search for your other super account(s).

Important Information
The information on this page has been prepared by IOOF Investment Management Limited (IIML) ABN 53 006 695 021 AFSL 230524 as trustee of the IOOF Portfolio Service Superannuation Fund ABN 70 815 369 818 (IOOF Super).

It contains general advice only and does not take into account your financial circumstances, needs and objectives. Before acting on any of this information, you should consider whether it is appropriate to your objectives, financial circumstances and needs, and seek appropriate professional advice. It is recommended that you consider the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD) before you make any decisions about your superannuation. You can obtain a copy of the TMD and PDS from our website.

Before consolidating your super or contributing to your IOOF Super account, you will need to consider whether there are any adverse consequences for you, including loss of benefits (eg insurance cover or loyalty benefits), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid.

Information is current at the date of issue and may change.