Combine your super
Having all your super in one place could mean fewer fees and more super
Losing track of your super is easy to do, especially if you change jobs or move to a new address. We can help you find it and put it in your CareSuper account.
One account. One set of fees. What’s not to love?
Combine your super in 3 steps….
Log in
Log in to your Member Online account or register here. Once logged in, select ‘Find and combine your super’ under Contributions in the menu. Need any help? Read our step-by-step guide.
Provide details
If you don’t know the details of your other fund(s) you’ll need two items of identification handy, like your driver licence, Medicare card or passport to verify your identity.
If you do know the details of your other funds just enter them in.
Search
Let the search begin. We'll show you if we find any accounts and you decide how much you want to transfer into your CareSuper account. Simple!Why combine?
Before you combine
Before combining your super into CareSuper you should consider whether this is right for you and check for fees, costs and performance. You should also check the impact on any insurance arrangements (such as loss of insurance) or other benefits. Remember, you can’t claim tax deductions or split contributions on the money you transfer between super accounts. Before you make any financial decisions, it’s always a good idea to speak to the experts. You can get guidance on sorting your super at no extra cost by calling 1800 005 166.Transferring from a self-managed super fund (SMSF)?
*On 1 November 2024, the former CARE Super fund merged into Spirit Super and the investment options were aligned with the former CARE Super fund investment options (other than the Long-term option (Managed Income only)). The performance figures utilised reflect the performance for the corresponding former CARE Super fund investment options for the period before 1 November 2024. Performance history for Spirit Super investment options prior to 1 November 2024 are available here.
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FAQs
Combine your super
You can combine your super by transferring your other super accounts into one fund, like CareSuper. This can be done online and only takes a few minutes.
CareSuper members can complete this process securely through their online account or via myGov, making it easy to manage everything in one place.
Consolidating your super means bringing together your super from different funds into one account. You can do this through your super fund, or via your myGov account linked to the ATO.
If you’re a CareSuper member, you can initiate consolidation directly through your online account or via myGov linked to the Australian Taxation Office.
Consolidating your super may be a good idea if you have multiple accounts, are paying multiple fees, or want to simplify managing your super.
However, it may not be suitable if you have valuable insurance cover or benefits in another fund that you could lose. You may be able to transfer insurance when you consolidate.
Before consolidating, consider your personal situation or seek financial advice if you’re unsure.
Should you consolidate your super? Find out more
Yes, most super funds, including CareSuper, allow you to combine your super online through your member account. It’s a quick and secure process.
Online consolidation is commonly used by super fund members as a fast and convenient way to bring their accounts together.
Online consolidation with CareSuper uses secure protection to help keep your information safe.
Before consolidating, think about:
- Insurance cover in your current funds
- Fees and costs
- Investment options
- Any benefits you may lose
These factors can affect whether consolidation is right for you.
Pros:
- Fewer sets of fees
- Easier to manage
- One account to keep track of
Cons:
- Possible loss of insurance
- Loss of specific fund benefits
- Weighing these carefully can help you decide if consolidation is right for you.
For many people, having one account is simpler and more cost-effective, but it depends on your individual situation, especially if you have insurance or specific benefits in other funds.
Everyone’s circumstances are different, so it’s important to review your options carefully.
Super consolidation timeline
Most super funds in Australia process electronic rollovers within a few business days, with many consolidations completed using secure digital systems to help speed up the process.
CareSuper consolidations are typically completed within three business days. Some transfers may take longer depending on your other fund or if additional checks are needed.
During consolidation:
- Your other fund finalises your balance
- Any contributions or earnings are added and fees are deducted
- Your super is transferred to your chosen fund
- The receiving fund allocates it to your account
When consolidating into CareSuper, your transferred balance is allocated to your account once received and processed.
After you submit your request:
- Your other fund processes the transfer
- Your balance is sent to your CareSuper account
- You’ll receive confirmation once it’s complete
CareSuper will notify you when your funds have been successfully received and added to your account.
Delays can happen if:
- Your personal details don’t match between funds
- There are pending transactions
- Additional checks are required
- The transfer is processed manually
If your transfer is taking longer than expected, contact your super fund. They can check the status and help resolve any issues.
CareSuper members can contact the support team or check their account online for updates.
You can check progress by:
- Logging into your super account
- Checking for updates or notifications
- Contacting your fund directly
CareSuper members can contact the support team or check their account online for updates.
Your fund will usually notify you once your super has been received and added to your account. You can also confirm by checking your balance online.
CareSuper will confirm once your consolidation is finalised.
Fees and costs
CareSuper doesn’t charge a fee to consolidate, but it’s important to check with your other fund in case any fees apply.
Fee structures can vary between funds, so it’s worth reviewing your current fund’s terms.
Your total balance doesn’t change when you consolidate, but fees, insurance, and investment differences may affect your long-term outcomes.
It’s important to consider long-term impacts rather than just your current balance.
Insurance considerations
If you transfer your super out of a fund, any insurance linked to that account will be cancelled. Before consolidating, check whether your existing cover can be transferred or replaced.
This is an important step before consolidating with any fund, including CareSuper.
You will lose your insurance if it’s tied to the account you close. Always review your current cover and confirm if your new fund offers comparable insurance or allows transfers.
CareSuper members may be able to transfer their insurance cover from another super fund before consolidating. This can help maintain existing protection, avoid gaps in cover, and reduce the risk of being uninsured during the consolidation process.
In some cases, such as with CareSuper, you may be able to transfer your insurance. This depends on your fund and policy terms, so it’s important to compare options before making a decision.
CareSuper members may be able to transfer their insurance cover from another super fund before consolidating. This can help maintain existing protection, avoid gaps in cover, and reduce the risk of being uninsured during the consolidation process.
Safety and online access
Yes. Consolidating super online through your fund or myGov is secure and uses industry-standard protections.
CareSuper uses secure systems to help protect member information.
Many super funds offer mobile apps or online portals where you can manage and consolidate your super securely.
CareSuper members can access their account online to manage consolidation.
Yes, you can usually log in to your super account and request a consolidation directly through your fund’s website.
CareSuper provides online access to help members manage and consolidate their super.
Consolidating your super into CareSuper can help simplify how you manage your retirement savings while keeping everything in one place.
With CareSuper, you can:
Combine your super online quickly and securely through your member account
Keep track of your balance, contributions and transactions in one place
Reduce multiple account fees by bringing your super together
Access support if you need help with the consolidation process
CareSuper offers insurance options and investment choices designed to support members at different life stages, so it’s important to review how these compare to your existing funds before consolidating.
CareSuper members may be able to transfer their insurance cover from another super fund before consolidating. This can help maintain existing protection, avoid gaps in cover, and reduce the risk of being uninsured during the consolidation process.
As with any financial decision, consider your personal circumstances and whether consolidating into CareSuper is right for you.