Combine your super

Like summer and thongs, super is better together.

Summer and thongs

Got more than one super account?

Then you’re paying multiple sets of account fees. Combine your super into one account to save on fees and make managing your super simple. 

Use our new easy-to-use find and combine tool now. It will even search for any lost super you didn’t know about. 

Why combine your super?

Paying multiple sets of fees can significantly reduce your overall super account balance. This means less for you when you retire.

Here’s an example. Sam has three super accounts and Charlie only has one. They both have an overall super balance of $150,000, but Sam is paying more fees for his three accounts. That means Charlie saves $423 dollars per year in administration fees by having his super in one place.

Sam Charlie
Super balance $150,000 Super balance $150,000
Fees (per year) $1,829 Fees (per year) $1,406
Accounts 3 Accounts 1
Super account Balance Fees (per year) Super account Balance Fees (per year)
#1 $50,000 $516



#2 $50,000 $560
#3 $50,000 $753
Total $150,000 $1,829 Total $150,000 $1,406
Data as at 30 September 2021 using SuperRatings Net Benefit Tool. Account 2 fees based on median of all super funds. Account 3 fees based on Master Trust median. The Net Benefit Tool is based on actual figures over one year.

The ATO also estimates there’s $13.9 billion in lost and ATO-held super in Australia. Some of it could be yours!

Australia lost super

Lost and ATO-held data as at 30 June 2020., accessed 23 November 2021.

Combining accounts makes looking after your super much easier. You only have to go to one spot to check your super balance and manage your investments. Never lose track of your super again.

Before you combine

Transferring super may close the account you’re transferring benefits from. Before combining your super, you should consider all relevant information, such as:

  • Performance — differences in fees and investment performance can affect your super balance at retirement.
  • Insurance — check if you have insurance with your other fund/s. This will cease if your account is closed. You may be eligible to transfer your cover, but you need to organise this before combining your super.
  • Tax — consider if you want to claim a tax deduction or split contributions. You won’t be able to do this on the contributions you’ve transferred.
  • Investments — all amounts automatically transferred will be invested in your current chosen future transaction investment strategy.

Once you’ve combined accounts, let your employer know you’ve chosen Spirit Super as your fund of choice. That will ensure all future contributions go into your Spirit Super account.

Why combine with Spirit Super?

You work hard for your super, so we make sure your super works hard for you.


(at 30 June 2021)

Big enough to make a difference, small enough to care


7-year average return for Balanced (MySuper) option as at 30 June 2021.

A history of strong long-term performance

$67.60 + 0.15% pa

(capped at $517.60 per year for super accounts)

Low fees leaving more money for you

1Past performance isn't necessarily an indication of future performance. This figure is the net investment return after tax and investment fees have been paid.

To transfer from a self-managed super fund (SMSF), you can complete our Combine your super with Spirit Super form, use the ATO online services through MyGov or contact your SMSF to arrange the transfer to Spirit Super.


How do I combine my super?

Combining you super into Spirit Super is super easy. Here’s how to get started.

Don't delay. Combine today!

Online with Spirit Super

Log in to Member Online and use the Find and combine tool under the Contributions tab. 

Paper form

Download the Combine your super with Spirit Super form, fill it in and send it back to us.

Through the ATO

Use your MyGov account to combine your super into your Spirit Super account.

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