If you’re searching how to find my super, there’s a reasonable chance you have more than one account without realising it — every time you start a new job without providing your existing fund details, a new account can be opened on your behalf, each quietly charging its own fees.
How to find my super: the official, free method
- Log into myGov and link your ATO account if it isn’t already linked.
- Go to the Super section, which lists every fund that has reported holding money under your name.
- Review each listed account, including any shown as “unclaimed” or ATO-held super.
- Decide whether to consolidate into a single active fund, or leave specific accounts separate for a deliberate reason.
Why finding lost super matters beyond the balance itself
Multiple accounts don’t just mean the inconvenience of scattered balances — each one typically charges its own administration fee, and in some cases its own insurance premium, quietly eroding the total over years. Consolidating into a single fund usually removes duplicate fees entirely, often the single most immediate improvement available in a super review.
Check what insurance cover (life, total and permanent disability, income protection) is attached to any account before closing it. Cancelling the wrong account can mean losing cover that would be expensive or impossible to replace later, particularly if your health circumstances have changed since the cover was first taken out.
How to find my super if I’ve changed my name or moved
ATO records match against your Tax File Number, not your name or address, so a name change or house move generally doesn’t prevent super from being found this way — it’s specifically why the TFN-based myGov search tends to surface accounts that a fund’s own “lost member” search by name might miss.
Frequently Asked Questions
How do I find my super for free?
Log into myGov, link your ATO account, and check the Super section, which lists every fund reporting a balance under your Tax File Number, including unclaimed ATO-held amounts.
Why do I have lost super in the first place?
Usually from starting new jobs without providing existing fund details, resulting in new default accounts being opened, each with its own fees.
Should I consolidate all my super into one account?
Often yes, to avoid duplicate fees, but check attached insurance cover on each account first, since consolidating can cancel cover you may want to keep.
Does the ATO charge a fee to find or transfer lost super?
No, searching for and transferring ATO-held super through myGov is free.
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