Compare online super funds

Online super funds allow you to manage you superannuation anywhere, anytime via a website or smartphone app.

Most Australian super funds can be accessed and managed completely online. Being able to access your super online via an Internet portal or mobile app is very convenient, and means you can keep track of your balance and make changes to your account 24/7.

This guide will outline the benefits of an online super fund, tips for managing your super online and how to apply for and join a new super fund online. You can also compare online super funds in the table below.

Virgin Money Super

Virgin Money Super - Lifestage Tracker (1969 - 1973)

  • MySuper fund available
  • Manage your account online 24/7
  • Automatic Death and TPD cover

Virgin Money Super

Boasting competitive fees and a choice of eight investment options, Virgin Money allows you to tailor a superannuation investment plan that meets your needs. Earn Velocity Frequent Flyer Points on eligible contributions (T&Cs apply) and receive personal advice through Virgin’s Helpline Advice Service.


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Compare super funds with online platforms or mobile apps

Name Product Past Performance - 1 Year Past Performance - 3 Years Past 5 year performance Calculated fees on $50,000 balance
-1.36%
New fund
New fund
$358
Earn Velocity Frequent Flyer Points for making contributions to your super. T&Cs apply.
1.21%
7.56%
7.84%
$467.65
Enjoy discounted rates on banking products with ME Bank and health cover with GMHBA health insurance.
-0.22%
4.86%
5.43%
$603
Choose between 14 different investment options, including a socially responsible option.
1%
6.59%
6.39%
$598
Socially responsible and ethical investment options available.
2.85%
7.57%
N/A
$395
Pay no entry, exit or switching fees and enjoy a range of different investment options with QSuper.
New Fund
New Fund
New Fund
$291.50
Superestate focuses on investing your super in residential properties and charges some of the lowest annual fees in the market.
1.9%
7.51%
7.47%
$523
Earn a Retirement Bonus of up to $4,800 when you open a new Income account. T&Cs apply.
1.14%
6.95%
6.73%
$549.42
2.54%
7.21%
7.19%
$548.53
Get access to one-on-one professional advice at no additional cost.
0.5%
4.95%
6.29%
$662
Choose investment options that align with your personal values.
-2.16%
5.03%
5.41%
$643
Access offers, deals and discounts through the BT Super Benefits Now program.
1.84%
7.78%
7.87%
$565
Enjoy discounted health insurance with HCF.
1.73%
6.45%
7.24%
$682.65
Get fee-free advice on your superannuation as a BUSSQ member. T&Cs apply.
-1.04%
4%
5.27%
$581.80
Receive a complimentary financial planning session with a Suncorp financial planner.
2.17%
8.44%
8.32%
$621.76
Enjoy discounted rates on banking products with ME Bank.
0.99%
6.43%
7.56%
$529.76
Access simple personal advice at no cost.
N/A
N/A
N/A
$728
Gain access to lifestyle offers and benefits on NAB financial products and services.
0.63%
6.23%
6.24%
$497.60
Earn rewards and vouchers through the AIA Vitality program.
0.88%
6.56%
7.45%
$361
A flexible industry super fund for people who work in Australia’s higher education and research sector.

Compare up to 4 providers

The information in the table is based on data provided by Chant West Pty Ltd (AFSL 255320) which is itself supplied by third parties. While such information is believed to be accurate, Chant West does not accept responsibility for any inaccuracy in such information. Chant West’s Financial Services Guide is available at https://www.chantwest.com.au/financial-services-guide . Finder offers no guarantees or warranties about the data and we recommend that users make their own enquiries before relying on this information. Performance, fees and insurance data is based on each fund's default MySuper product. Where the performance, fees and insurance data for the MySuper fund vary according to the member's age, results for individuals between 40-49 years of age have been shown. Past performance is not a reliable indicator of future performance.

*Past performance data is for the period ending June 2019.

Online superannuation funds: What are they?

Online super funds are funds that members can apply for and manage entirely online. These days, the large majority of super funds available to Australian workers (including all funds listed in the table above) are online super funds. The entire process, from joining the fund as a new member and managing your account to switching your investment options as your lifestyle changes, can be done online without the need to visit a physical office or branch.

Features of online super funds

Online super funds have a range of attractive features and benefits, including:

  • Low fees. Most online super funds offer a default MySuper product which is a low-fee super fund option. Make sure you're comparing the annual fees charged by each fund when doing your comparison, to make sure you're not paying too much. If you're managing your account yourself online, check that you won't be charged personal financial advice fees (unless of course, you opt for personal advice).
  • Easy account access. Are you able to check your balance, make contributions and manage your account online whenever you want? Some online funds will offer both a mobile app and a desktop Internet portal, while others might not offer an app and instead will offer just the desktop portal. Compare the account access options when making your decision, to ensure you'll be able to access your account in a way that suits you.
  • Flexibility. One big benefit of an online super fund is the flexibility you have with how you manage the account. If you want to change your investments or make a contribution, you can do this straight away online without the need to make an appointment and travel to an office or branch.
  • Easy to track. With an online super fund, you can track your fund's performance as often as you like by simply logging into your account online. You won't need to wait for a statement to arrive in the mail every few months to know how your super balance is performing.

How to manage your superannuation online

There are two main ways you can manage your superannuation online: by logging into your account via the desktop platform, or by downloading and logging into the mobile app offered by the fund. Here's what you can do with your super fund online:

  • Check your balance. You can quickly and easily check your super balance online, no need to phone the fund.
  • See the performance. If you're curious to see how your fund has been performing, you can check this by logging into your account online. Because your super is largely invested in stock markets, your fund's performance will change continually from day-to-day. Checking the long term performance is more important.
  • Check employer payments. You can make sure your employer is paying the compulsory super guarantee into your super account each quarter.
  • Make personal contributions. If you want to contribute to your super, you can make personal contributions yourself online.
  • Change your investments. You can switch your super investment options online yourself. For example, if you want to switch to higher risk options or if you want to decrease the risk you're taking on.
  • Update your insurance. You can apply for more cover, decrease your cover or opt out of insurance all together at any time yourself.

How to apply for a super fund online

You can join a new super fund online in less than 30 minutes. The first step is to compare funds to find one that meets your needs. Once you've found one you like, simply head to their website and start the online application form.

What you'll need to apply for a super fund online

You'll need to have the following bits and pieces handy before applying.

  • Your personal details including full name and contact information
  • Your Australian residential address
  • Your Tax File Number
  • The details of your current super fund, if you're planning to switch and consolidate
  • The details of your employer (business name, business address)
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2 Responses

  1. Default Gravatar
    aFebruary 11, 2016

    how do I back pay

    and how do I set up first time to this

    • Avatarfinder Customer Care
      ShirleyFebruary 12, 2016Staff

      Hi A,

      Thanks for your question.

      Once contributions are made into your superannuation account, you’ll need special permission from the Department of Human Services to access it.

      Your first employer should be able to set up a superannuation account for you.

      All the best.

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