Combining your super into one account can save on duplicate fees and paperwork. But closing an account can also end insurance you might not be able to replace.

Reviewed 31/10/2026. General information only, not personal advice.

Why people consolidate

• One set of fees: each account charges its own administration fees
• Less paperwork: one statement and one login
• Easier to track: it's simpler to see your total balance and how it's invested
• No lost super: fewer accounts to lose track of when you move or change jobs

How to do it

1. Find your accounts. Log in to myGov, link the ATO and go to Super. You'll see your accounts, including any lost or ATO-held super.
2. Choose the fund to keep. Look at fees, investment options and insurance, not just the account with the biggest balance.
3. Check insurance before you move. See the checklist below.
4. Transfer. Use myGov, or contact the fund you're keeping.
5. Update your employer. Make sure future contributions go to the right fund.

Check these before you close an account

• Insurance: Closing an account usually ends its death, TPD and income protection cover. If your health has changed, you may not get the same cover again.
• Employer benefits: Some employers contribute more, or pay for insurance, through a particular fund
• Defined benefit interests: Some public sector and corporate schemes have benefits that are lost if you roll out
• Pension accounts: Moving a pension can have tax and Centrelink effects
• Timing: Selling and buying investments during the transfer means a short time out of the market

When to get advice

Consolidating is often straightforward. It's worth getting advice if you hold insurance you rely on, have a defined benefit interest, are already in a pension, or aren't sure which fund suits your needs. We don't recommend specific funds on this page.

See what it means for you

Your initial discussion is free, and any advice fees are explained before you decide to go ahead. Book an initial discussion or call 07 3733 1731. Meet face to face in Eight Mile Plains, or online anywhere in Australia.

Frequently asked questions

How do I find all my super accounts?

Log in to myGov and link the ATO. Under Super, you can see your accounts, including any lost or ATO-held super, and transfer them to one fund online.

Does consolidating super cost anything?

Funds can't charge exit fees on rollovers. There may still be costs, such as the buy-sell spread when investments are sold and bought, and you may lose insurance in the accounts you close.

Will my employer pay into the new account?

Give your employer your fund's details using the standard choice form, or through myGov when you start a new job. Otherwise they may keep paying into your old fund or a stapled fund.

Related reading

• Superannuation Advice
• Insurance inside vs outside super
• Industry vs retail super funds