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How to change super funds in 4 steps

Switching to a new super fund is much easier than you think. Here's how to do it all online.

Step 1: Choose a new super fund

Look for a combination of low annual fees, high long-term returns (10 year performance) and an investment strategy you understand and agree with. If you'd like a bit of help choosing, take a look at our best super fund picks.

Step 2: Join the new super fund

Download the new membership form from the fund's website, which will ask you for the following details:

  • Your personal details including your full name, residential address, contact information and Tax File Number.
  • Your employer's information including the business name, address and ABN.
  • The insurance cover you'd like to include. Most funds will include automatic default death and TPD cover, but you can choose to add income protection cover, or you can opt out of all cover if you don't think you'll need it.
  • The details of your nominated beneficiaries (this is who your super will go to in the event of your death).

Finder survey: Which super fund are Australians with?

Response
AustralianSuper23.92%
Other23.82%
Australian Retirement Trust8.17%
Retail Employees Superannuation Trust7.48%
HESTA6.89%
HOSTPLUS Superannuation Fund5.81%
AMP Super Fund5.22%
Aware Super5.22%
Unisuper3.74%
Colonial First State FirstChoice Superannuation Trust2.85%
MLC Super Fund2.17%
Mercer Super Trust1.48%
Spirit Super1.38%
Care Super0.98%
Construction and Building Unions Superannuation Fund (CBUS)0.69%
Retirement Wrap0.1%
Wealth Personal Superannuation and Pension Fund0.1%
Source: Finder survey by Pure Profile of 1016 Australians, December 2023

Step 3: Transfer your existing super

Once you've completed the new membership form, there will be another form asking if you have any super you want to transfer over. You'll be asked to provide the following details:

  • Your existing fund's name and contact number
  • The fund's ABN and USI numbers (you'll find these on your fund's website or on your last account statement)
  • Your membership number and/or account number

The new membership form will have the details of where to send the completed form. Once you've submitted this, your new super fund will take care of the rest for you. If you've got more than 1 fund you'll need to submit separate forms for each.

Step 4: Tell your employer

You'll find another form on your new fund's website called "Employee super choice form" or "Pay my super into XYZ Fund". It'll be pre-filled with the details that your employer needs. Add your name and membership number, and give this form to your employer so they can start paying your super into your new fund.

Ready to choose a new super fund?

1 - 16 of 460
Name Last 1 year performance (p.a.) Last 3 year performance (p.a.) Last 5 year performance (p.a.) Last 10 year performance (p.a.) Fees on $50k balance (p.a.)
Australian Ethical Super Balanced
Green CompanyEthical
Last 1 year performance (p.a.)
+9.71%
Last 3 year performance (p.a.)
+4.18%
Last 5 year performance (p.a.)
+7.35%
Last 10 year performance (p.a.)
+6.87%
Fees on $50k balance (p.a.)
$653
Go to siteMore Info
CareSuper Growth
Industry fundHigher risk
Last 1 year performance (p.a.)
+11.15%
Last 3 year performance (p.a.)
+7.42%
Last 5 year performance (p.a.)
+8.66%
Last 10 year performance (p.a.)
+8.16%
Fees on $50k balance (p.a.)
$553
Go to siteMore Info
Aware Super High Growth
Industry fundHigher risk
Last 1 year performance (p.a.)
+12.34%
Last 3 year performance (p.a.)
+7.06%
Last 5 year performance (p.a.)
+9.26%
Last 10 year performance (p.a.)
+8.4%
Fees on $50k balance (p.a.)
$497
Go to siteMore Info
HESTA Balanced Growth
Industry fund
Last 1 year performance (p.a.)
+10.46%
Last 3 year performance (p.a.)
+6.8%
Last 5 year performance (p.a.)
+7.63%
Last 10 year performance (p.a.)
+7.41%
Fees on $50k balance (p.a.)
$477
Go to siteMore Info
UniSuper - Balanced
Industry fund
Last 1 year performance (p.a.)
+10.33%
Last 3 year performance (p.a.)
+5.5%
Last 5 year performance (p.a.)
+8.05%
Last 10 year performance (p.a.)
+7.75%
Fees on $50k balance (p.a.)
$351
Go to siteMore Info
Spirit Super - Balanced (MySuper)
Industry fund
Last 1 year performance (p.a.)
+10.03%
Last 3 year performance (p.a.)
+6.02%
Last 5 year performance (p.a.)
+7.2%
Last 10 year performance (p.a.)
+7.38%
Fees on $50k balance (p.a.)
$452
Go to siteMore Info
CareSuper Balanced
Industry fund
Last 1 year performance (p.a.)
+9.03%
Last 3 year performance (p.a.)
+6.37%
Last 5 year performance (p.a.)
+7.47%
Last 10 year performance (p.a.)
+7.45%
Fees on $50k balance (p.a.)
$553
Go to siteMore Info
AustralianSuper - Balanced
Industry fund
Last 1 year performance (p.a.)
+8.96%
Last 3 year performance (p.a.)
+6.07%
Last 5 year performance (p.a.)
+8.05%
Last 10 year performance (p.a.)
+7.94%
Fees on $50k balance (p.a.)
$382
Go to siteMore Info
Australian Retirement Trust - Growth
Industry fundHigher risk
Last 1 year performance (p.a.)
+11.56%
Last 3 year performance (p.a.)
+9.62%
Last 5 year performance (p.a.)
+9.96%
Last 10 year performance (p.a.)
+8.95%
Fees on $50k balance (p.a.)
$587
Go to siteMore Info
HESTA High Growth
Industry fundHigher risk
Last 1 year performance (p.a.)
+13.09%
Last 3 year performance (p.a.)
+8.89%
Last 5 year performance (p.a.)
+9.87%
Last 10 year performance (p.a.)
+8.72%
Fees on $50k balance (p.a.)
$557
Go to siteMore Info
UniSuper - Conservative Balanced
Industry fund
Last 1 year performance (p.a.)
+6.33%
Last 3 year performance (p.a.)
+4.49%
Last 5 year performance (p.a.)
+5.12%
Last 10 year performance (p.a.)
+5.79%
Fees on $50k balance (p.a.)
$366
Go to siteMore Info
Australian Retirement Trust - Lifecycle Balanced Pool
Industry fundLifestage
Last 1 year performance (p.a.)
+10.09%
Last 3 year performance (p.a.)
+7.68%
Last 5 year performance (p.a.)
+8.25%
Last 10 year performance (p.a.)
+7.86%
Fees on $50k balance (p.a.)
$547
Go to siteMore Info
AustralianSuper Conservative Balanced
Finder AwardIndustry fund
Last 1 year performance (p.a.)
+7.06%
Last 3 year performance (p.a.)
+4%
Last 5 year performance (p.a.)
+5.93%
Last 10 year performance (p.a.)
+6.25%
Fees on $50k balance (p.a.)
$367
Go to siteMore Info
Australian Ethical Super Growth
Green CompanyEthicalHigher risk
Last 1 year performance (p.a.)
+11.01%
Last 3 year performance (p.a.)
+5.6%
Last 5 year performance (p.a.)
+8.25%
Last 10 year performance (p.a.)
+7.55%
Fees on $50k balance (p.a.)
$778
Go to siteMore Info
Australian Retirement Trust - Australian Shares
Industry fundHigher risk
Last 1 year performance (p.a.)
+12.21%
Last 3 year performance (p.a.)
+9.48%
Last 5 year performance (p.a.)
+10.2%
Last 10 year performance (p.a.)
+8.11%
Fees on $50k balance (p.a.)
$352
Go to siteMore Info
UniSuper - Growth
Industry fundHigher risk
Last 1 year performance (p.a.)
+11.72%
Last 3 year performance (p.a.)
+5.9%
Last 5 year performance (p.a.)
+9.12%
Last 10 year performance (p.a.)
+8.36%
Fees on $50k balance (p.a.)
$426
Go to siteMore Info
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Showing 16 of 48 results

Unless indicated otherwise, the information in the table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, Australian Financial Services Licence 311880.

*Past performance data and fee data is for the period ending Dec 2023

Alison Banney

🔥 Quick tip when rolling over your super

"Before you switch funds, check if you've got any additional super funds open in your name that you might have forgotten about. Just log into your myGov account online and click on the "Super" tab to see a list of funds in your name. You may choose to keep one of these funds instead of opening a new one."

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