How long does a super rollover take?
Three business days by law if both funds use SuperStream — which nearly all now do. Allow 5–10 business days in practice for edge cases or paper forms.
Since 2021, all APRA-regulated super funds must process rollover requests via SuperStream. The legal timeframe is three business days from when the receiving fund sends a valid request to the transferring fund.
Fastest way to do it
Log in to myGov → ATO → Super → Manage → Transfer super. The request is sent through SuperStream directly. Most members see the money hit the new account within 3 business days.
What slows it down
- ID mismatches (name, DOB, TFN) between the two funds — the transfer gets paused
- Insurance inside super that the trustee wants to confirm you understand you'll lose
- Self-managed super funds (SMSFs) — checks take longer
- Paper-form requests — can take 4+ weeks
Will I lose investment returns during the transfer?
Typically yes — the transferring fund sells down your units on the request day and sends cash. You are out of market for a few days. In a flat market this is minor; in a rising market you miss those gains. Don't time rollovers around short-term market moves.
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General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.