ATO Super Online: Who Qualifies and What You Get
Learn how to find and combine lost or multiple superannuation accounts using the online portal.
ATO Super Online is a digital service provided by the Australian Taxation Office that helps you manage, find, and consolidate your superannuation accounts.
Who it's for
This service is designed for any individual who holds a super fund. If you have a superannuation account, you are eligible to use this digital tool to oversee your retirement savings.
What you get
The primary benefit of this service is the ability to manage your superannuation holdings digitally. You can use the portal to locate lost super—money sitting in accounts you may have forgotten about—and consolidate multiple super accounts into one single account. Consolidating your accounts can help you avoid paying multiple sets of fees and ensures your retirement savings are managed in one place.
What it costs you
There is no monetary cost to use this digital service. However, accessing the service requires you to have a myGov account that is successfully linked to the Australian Taxation Office (ATO). You will need to navigate through the official digital infrastructure to access your specific superannuation details.
The catch to know
The most important thing to consider before consolidating your accounts is to check for any insurance premiums attached to your old accounts. Many super funds include life or disability insurance as part of the account package. If you move your funds into a single new account, you may inadvertently cancel the insurance coverage provided by your previous funds. Always review these benefits before finalizing your consolidation.
How to apply
- Log in to your official myGov account.
- Ensure that your myGov account is correctly linked to the Australian Taxation Office.
- Navigate to the superannuation management section within the portal.
- Follow the on-screen instructions to search for lost super or combine your existing accounts.
- Access the service via https://my.gov.au.