How to split your super in a divorce

If you’re going through a separation and want to know how to split your super, you’ve come to the right place. Here’s our 3-step process to get started.

Read more about Navigating divorce and your super and 3 super tips after a breakup.

In this article, we’ll explore

  1. Super splitting: Is it right for you?
  2. Splitting your super in 3 steps
  3. Seeking financial advice — at no extra cost*
  4. Read our Top 3 super tips after a breakup

Before you make a decision

When deciding what to do with your super, we recommend seeking independent advice. You should speak with a licenced financial planner before making any decisions about splitting or flagging your super. You should also speak with a family lawyer about how the Family Law Act can affect your particular circumstances, and to help draft your official documentation.

Split your super in 3-steps 

Step 1. Find out how much super you both have 

You’ll need to complete a Superannuation Information Request Form and Superannuation Information Kit, as well as Form 6 Declaration at (to declare you’re eligible to request information). Your spouse can also submit a Form 6 Declaration to us to obtain details of your account. Alternatively, you can speak to your lawyer.

Step 2. Prepare your settlement 

After assessing you and your spouse’s financial situation, you’ll have an idea of how much super each of you will receive. When preparing your settlement or agreement to split your super, there are two ways to get started.

Financial agreementCourt Order
If you and your ex-partner agree on how your super will be divided, you can either apply to the Court for a Consent Order or have your lawyer create a binding financial agreement to make it official.If you and your spouse can’t agree on how to best split your super, you can ask the courts to decide.

Step 3. Procedural fairness 

If the account being split is with CareSuper, send your drafted agreement or Court Order to us. We’ll then confirm we can split the super as drafted. After procedural fairness, you’ll need to send the certified original final agreement or Court Order to us at:

Family Law Officer
Locked Bag 20019
Melbourne VIC 3001

If the account being split is with another super fund, you’ll need to send your documents to the fund that holds that account.

How long can it take?

A super split is usually processed four business days after the Operative Date, which is the effective date of the split outlined in the agreement or Court Order. After processing, the super is put into a holding account until we receive instructions from the non-member spouse.

We’re here to help

As a CareSuper member, you can seek super advice at no extra cost — it’s included in your membership.*

If your finances are more broad than just super, you can also get in touch with a specialist planner who can help.^

For more information, read our Super and family law fact sheet, call us on 1300 360 149 or request a call back.

You can also read Navigating divorce and your super and Top 3 super tips after a breakup.

*Financial advice obtained over the phone, or through MemberOnline, is provided by Mercer Financial Advice (Australia) Pty Ltd (MFAAPL) ABN 76 153 168 293, Australian Financial Services Licence #411766.
^Advice is provided by one of our financial planners who are Authorised Representatives of Industry Funds Services Limited (IFS). IFS is responsible for any advice given to you by its Authorised Representatives. Industry Fund Services Limited ABN 54 007 016 195 AFSL 232514.

Information correct as at 1 April 2024.