How do I find lost super?

Over $16 billion of Australian super sits unclaimed or in lost accounts. The ATO knows about most of it because every fund reports balances using your TFN.

The 60-second method

1. Go to my.gov.au and sign in
2. Link the ATO if you haven't already
3. Click the ATO tile → Super
4. You'll see every super account tied to your TFN, plus any ATO-held super
5. Select accounts to consolidate → confirm → done

What is ATO-held super?

If a fund couldn't keep track of you (e.g. you changed address and went inactive), your balance may have been transferred to the ATO. You can claim it back into any eligible super fund from the same page.

Before consolidating, check

• Insurance: Rolling out of an old fund cancels its insurance. If you have cheaper or better terms there, keep it open
• Exit fees: Usually gone but worth a 30-second check
• Defined benefit: Never roll a DB scheme without advice — it's often irreversible