Find your lost super
Over $16B sits in lost and ATO-held super accounts. Here's the exact myGov path to find yours — plus what the ATO holds on your behalf that you probably don't know about.
Built on 2025-26 ATO rates · Last reviewed April 2026
Step-by-step
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Log in to myGov
Go to my.gov.au and sign in. If you haven't linked the ATO yet, select 'Link your first service' and choose Australian Taxation Office. You'll need two proofs of identity (usually your notice of assessment + bank account or Centrelink ref).
my.gov.au ↗ - 2
Open the ATO service and go to Super
Inside ATO Online Services, click the Super menu. You'll see three useful views: 'Fund details' (every active account the ATO knows about), 'Manage' (to consolidate), and 'Information' (ATO-held super, USM, and LISTO/co-contribution history).
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Check 'ATO-held super'
This is money the ATO is holding on your behalf — unclaimed super (USM), inactive low-balance accounts transferred by super funds, and super co-contributions not yet paid to a fund. You can transfer it to any super fund you hold with one click.
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Review all accounts before consolidating
Before you roll anything in, check two things on each account: (1) is there insurance you'd lose by closing it? and (2) are there exit fees? If you have cover you actually want, keep that account open or transfer the insurance separately.
Consolidation savings calc → - 5
Consolidate from ATO Online Services
From the Super → Manage screen, select the accounts you want to combine and the destination fund. The ATO sends the request electronically — most rollovers complete in 3 business days under SuperStream.
What the ATO might be holding for you
Super from accounts you've lost contact with, or members over 65 who haven't contributed in 2 years. Transferred by funds to the ATO.
Balances under $6,000 with no activity for 16 months and no insurance. Funds must transfer to the ATO — who then tries to match them to an active account.
Up to $500 from the government if you made after-tax contributions and earned under ~$62k. Sits at the ATO until paid to a fund.
Up to $500 refunded on contributions tax if your income is under $37k. Needs a valid TFN on your super account.
Don't use third-party "super finder" services. The ATO's own search is free, instant, and shows more than most paid finders. Paid services can't see anything the ATO doesn't — they just charge you to re-run the same search.
Can't access myGov? You can also call the ATO super line on 13 10 20 — you'll need your TFN, DOB, and some ID to verify. Paper form SPAR is available for edge cases, but the online process is much faster.
Where these numbers come from
Keep reading
Consolidating super the safe way →General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.