Find lost super

How to locate your long lost super

Finding lost super and unclaimed super

According to the Australian Taxation Office (ATO), Australians had around $18 billion of lost superannuation as at 30 June 2017. This was made up of just over 6.3 million lost and ATO-held accounts.

Could some of this money be yours? If you’ve ever changed your job, name or address, you may be richer than you think and have some lost or unclaimed super waiting to be found.

Lost super

Funds must report ‘lost’ super to the ATO twice a year. The super laws contain a very wide definition of when super must be treated as ‘lost’. This may include situations where:

  • you are ‘uncontactable’ – your fund does not have your current address and has been unable to contact you, and you have had no contributions or rollovers into your account in the last 12 months
  • your account is ‘inactive’ – no contributions or rollovers have been received into your account in the last five years.

In some very specific circumstances, funds must also treat lost super accounts as unclaimed money and transfer the balances to the ATO. This may include where your lost super account is considered to be ‘small’ (less than $6,000) or ‘insoluble’ (the fund does not have enough information about you to reasonably verify your entitlement to the super balance).

How to find your lost super

  • Create a myGov account at, then link the ATO to your account.
  • If you already have a myGov account, just log in and click on the ATO section.
  • Go to the ‘Super’ tab. In this section, you can:
    • see details of all your super accounts, including any you have forgotten about
    • see details of all your super, including super the ATO is holding on your behalf

For more information, go to the ATO website.

Unclaimed super

Unclaimed super is different to lost super. ‘Unclaimed super’ refers to super that is eligible to be withdrawn from your super fund, but the fund has been unable to contact you. Unclaimed super can include the super of:

  • fund members aged over 65
  • non-member spouses
  • deceased members
  • former temporary residents
  • fund members with small or insoluble lost member accounts.

Generally, unclaimed super has to be reported to the ATO by super funds twice a year, and any unclaimed super money is paid to the ATO. Some state and territory public service super schemes may have to pay any unclaimed superannuation money to their State or Territory Government, but still report the money as unclaimed to the ATO. The ATO then adds this data to its Superannuation Unclaimed Money Register. See myGov website for more information.