Finder makes money from featured partners, but editorial opinions are our own.

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?

Australian Retirement Trust8.17%
Retail Employees Superannuation Trust7.48%
HOSTPLUS Superannuation Fund5.81%
AMP Super Fund5.22%
Aware Super5.22%
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.

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 Jan 2024

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."

Frequently asked questions

Why you can trust Finder's super fund experts


We're free

Our comparison tables are completely free to use. We link you directly to the super fund's secure application page. Plus, you can access all of our research in our media room.
expert advice

We're experts

We've researched and rated hundreds of super funds as part of our Finder Awards. We've published 50+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.

We're independent

Unlike other comparison sites, we're not owned by a super fund company. That means our opinions are our own and you can compare nearly every super fund in Australia on Finder.

We're here to help

Since 2017, we've helped over 200,000 people find a super fund by comprehensively comparing funds. We'll never ask for your personal information. We're here to help you make a decision.

More guides on Finder

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site