It is surprisingly easy for working holiday makers to accumulate super across multiple funds without realising it. Every time you start a new job, if you do not nominate an existing super fund, your employer may create a new account for you with their default fund. Over the course of a year working multiple jobs, this can result in several small balances spread across different funds.
Using myGov to find your super
The most reliable way to find all your super accounts is to log in to myGov and check the ATO section. The ATO has visibility over all super fund accounts linked to your TFN. You will see a list of accounts and their approximate balances. Any super that has been transferred to the ATO as unclaimed super will also appear here.
Using the ATO's lost super search tool
If you cannot access myGov or want to supplement it, the ATO also has a lost super search tool accessible through their website. You will need your TFN and some personal details to use it. The tool searches across all registered funds and the ATO's own holdings.
Consolidating multiple accounts
If you find super spread across multiple funds, you can consolidate it into a single account before applying for DASP. This simplifies the withdrawal process because you only need to submit one application. Consolidation is done through myGov by selecting which accounts to transfer into your chosen fund.
Be aware that consolidating closes the other accounts. Make sure there are no insurance or other benefits attached to those accounts that you would lose by closing them. For most working holiday makers, the accounts are straightforward accumulation accounts without additional features.
What if you cannot find the fund's contact details
Every super fund registered in Australia can be found through the ATO's super fund lookup tool or through the APRA register of superannuation funds. If you know the fund name but need their contact details, these tools will help you locate them.
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What happens to your super if you never claim it?
Unclaimed superannuation does not disappear, but it does transfer to the ATO. Here is what happens and how to claim it back.