How to find lost or unclaimed superannuation in Australia

Why does super get lost or spread across multiple accounts?

Most working holiday makers end up with super in more than one fund:

• Every employer may have used a different default fund when you did not nominate one
• Moving between jobs without choosing a single fund creates new accounts each time
• Changes of address mean funds lose contact and accounts become inactive
• Inactive accounts eventually transfer to the ATO as unclaimed super

For working holiday makers who move around frequently, this is a genuine risk. Catching it before you leave Australia is much simpler than recovering it from overseas.

How do we track down all your super accounts?

Our team can run a comprehensive search using your TFN:

• Search across major Australian super funds
• Check ATO records for any balance held as unclaimed super
• Identify every account associated with your TFN
• Cross-reference against the employers you worked for

You receive a complete picture of every dollar of super held in your name, regardless of which fund it sits in or whether it has transferred to the ATO. Get in touch and we will run the search for you.

What about consolidating multiple accounts?

If you have super spread across multiple funds, consolidating them into a single account before your DASP application simplifies the process:

• One DASP application instead of multiple
• One payment instead of several
• One verification process instead of many
• Less administrative back-and-forth

We can manage the consolidation before lodging your DASP claim, or lodge separate applications for each fund if that is faster. Either approach works. We pick the right one based on your specific accounts.

Why should you not delay claiming?

Super held by the ATO earns minimal returns:

• Investment growth on lost super is much lower than active fund returns
• The longer you wait, the less the balance grows
• ATO records of older accounts can become harder to recover after several years
• Identity verification becomes harder once you have been gone for a long time

If you are planning to leave Australia soon or have already left, get in touch with our team. We make sure every dollar of your super is identified and included in your DASP application.

What records help us find your super?

The more we know about your employment history, the more complete the search. Useful information includes:

• All Australian employers you worked for (company names)
• Approximate employment dates for each job
• Any super fund names you remember being mentioned
• Any super fund letters or emails you received
• Your TFN (which we use to query records)

If you do not have all this, that is fine. We can still find most accounts using just your TFN and passport details.