Prepare before pressing transfer
Find all accounts through statements, funds and myGov, and check that your name, tax file number and date of birth match. Choose the receiving fund only after comparing investments, fees, insurance and special benefits. Check for pending employer contributions, claims or complaints that should be resolved first.
Contact the account you may close and ask what a full rollover will cancel. If replacement insurance is needed, arrange it and wait for written acceptance before continuing.
Use an official rollover channel
You can commonly consolidate through myGov linked to the ATO or through the receiving fund’s official process. Verify the web address or app yourself and never hand myGov access to a caller. You may need identity checks and fund member details.
A rollover can take time and may be delayed by mismatched information or restricted interests. Keep confirmation numbers and do not submit the same request through several channels at once unless a fund tells you to.
Close the loop
Confirm the full amount left the old account and arrived in the destination, allowing for fees, tax adjustments or investment movements. Check the old account is closed if that was intended and that new insurance and beneficiary settings are correct.
Give your employer the destination fund details and check the next contribution. Download final statements and rollover confirmations for your records. If an old account later reappears, investigate whether payroll continued using stale information.
Quick reference
Key things to remember
- Verify the destination fund and member number.
- Check insurance and benefits in accounts that will close.
- Resolve unmatched names, dates of birth or tax file numbers.
- Expect invested balances to move slightly with markets during processing.
Put it into practice
Your next steps
- 01
Log in to myGov independently and open ATO online services.
- 02
Review all listed accounts and ATO-held super.
- 03
Submit the transfer to the chosen destination.
- 04
Check both funds until the rollover is complete.
Check the source
Official information
Super and tax rules change. These primary sources are the right place to verify the details before you act.