If you have more than one super account, you could be paying multiple fees.
It's easy to combine your super together, and you could save money too.
Consolidate my super nowNot a member? Join us today.
The less you pay in fees, the more you could have in retirement.
Avoid extra admin, with just one account to manage.
With one account, you'll always know where your money is, and avoid lost super.
Before you consolidate
Think about whether it’s right for you. You could lose access to benefits such as insurance or pension options, and you need to consider tax implications.
The easiest way is in Member Online or our app. It only takes a few minutes.
If you haven't logged in before, you'll need to set up online access first.
Just to make sure it's really you. You'll need to give us your tax file number (TFN) too, if you haven't already.
That's it! We search for your other super, and you tell us what to do next.
Know all your super details? You can combine your super without logging into your account. You'll also need your TFN.
Rollover nowIf you want to combine only some of your super from another fund, use this form.
You can use SuperStream to transfer your super from a self-managed super fund (SMSF) to your ART account. Read more about SMSF transfers.
Got a question about combining your super? Check our frequently asked questions.
Consolidating your superannuation means you’re rolling all your accounts with different super funds together into one account.
Other names for this are:
After you transfer your other super to your Australian Retirement Trust account, make sure your employer is paying super into the right account.
You can send your ART account details to your employer online.
There are lots of benefits to consolidating superannuation, like:
Some potential disadvantages of consolidating super funds could be:
To claim a tax deduction on contributions made to another super fund, submit a Notice of intent to claim a tax deduction form to that fund, and make sure they've confirmed and processed your notice before you consolidate that account into your ART account. You won't be able to lodge a notice of intent to claim or vary a tax deduction with the fund you made contributions to if you've left that fund.
Once you’ve put in your consolidation request, we’ll contact your other super funds to transfer your money to us. We’ll let you know when it’s all in your ART account.
The time it takes can be different between funds. But we’ll do our bit to make sure your super’s combined as quickly as possible.
Transferring part of your before-tax contributions to your spouse is known as contribution splitting. You can do this using the Contribution Splitting Advice form.
Or you can make a spouse contribution. This is when you pay money into your spouse's super account from your after-tax income.
A transfer of superannuation to an ex because of divorce or separation is a little different.
If you have more than one account with us, there's a few things to be aware of before you combine them.
Check out your options for consolidating super within ART.
Close to 2.4 million Australians trust us with their super. That's because we're helping our members retire well with confidence.
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