02.Where to search
Lost and unclaimed super
If you’ve changed your job, address or name recently and forgotten to tell your super fund, you might have some lost or unclaimed super.
- Search the ATO Superseeker database for lost super.
- Search AUSfund's unclaimed super website. AUSfund is an Eligible Rollover Fund, and acts as a holding account for super funds that have lost track of their members.
- Contact the fund. Making direct contact with any super fund you’ve been a member of is the quickest way to find your money. Your previous employer should have the fund’s contact details. The fund may also be able to confirm if you’re listed on the Lost Members Register; most super funds are signed up to SuperMatch, a system that allows the fund to search the ATO's database. Some funds may advise you on how to transfer unclaimed super to your current super account.
- Contact the correct state agency. When you reach 65, responsibility for unclaimed superannuation is transferred to the state or territory where the super fund has its head office and no further accruals occur.
- Consider the benefits of consolidating all your super accounts into one. Having your money divided up between lots of little nest-eggs means more paperwork and expenses — multiple fees and charges can eat into the value of your super.
When an account has been inactive for two years and two pieces of mail addressed to the member have been returned undelivered, the member is considered ‘lost’ and the fund should report details to the Australian Taxation Office (ATO). Information is added to the ATO’s Lost Members Register (LMR).
If you haven’t yet reached retirement age your money stays invested in the fund and may continue to grow. Remember, super is only ‘paid out’ to eligible people — those who’ve reached retirement age or qualify for payment because of a disability. Generally, it only becomes ‘unclaimed’ when the member reaches age 65 or dies and no claim is made on the fund. When you reach 65 any unclaimed super should pass from the fund to the ATO, unless it's a state or territory super scheme.
Bank accounts, life insurance and company money
Search the Australian Securities and Investments Commission's (ASIC) consumer website.
Other unclaimed monies
State and territory agencies may have your unclaimed super (if you're over 65), and may also help you find other unclaimed money such as:
- shareholders’ dividends
- pre-1992 building society and credit union accounts
- refunds and overpayments
- rental bonds
- royalties and commissions
- trust account funds
- uncollected goods
- unpresented cheques.
However, each state differs (some don’t have these funds while others have different types of funds). See the table below.