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

The top 10 postcodes with the most unclaimed super

Lost superannuation money

Is your postcode 4740, 2010, 3030 or 2026?

If you're a resident of Mackay or the surrounding area, chances are you're one of a few thousand people eligible for a share in $49 million worth of unclaimed super contributions.

The Australian Tax Office (ATO) has revealed the ten postcodes across Australia with the highest amounts of unclaimed superannuation.

In the last financial year the ATO assisted individuals to reconcile and consolidate $2.5 billion in lost super. Despite this, $11.7 billion remains idling in lost or inactive super accounts.

2,605 accounts within the 4740 postcode - including Mackay, Mount Pleasant, Haliday Bay, Half Tide Beach and Dunnrock - on Queensland's northeastern coast, recorded the highest amount in unclaimed super, a total $49 million.

Queenslanders hold the top three positions when it comes to unclaimed super, with residents of Cairns and surrounding suburbs (4870) and those in Toowoomba and surrounding areas (4350) eligible to lay claim to more than $94 million in lost super, combined.

Deputy commissioner James O'Halloran suggests people who worked casually while studying or took on multiple part-time gigs in the past can likely discover forgotten superannuation.

"While some people purposefully maintain a number of accounts, a lot of Australians are unaware their hard earned super is unnecessarily being eroded away by fees," he said.

Lost super is considered as such when a fund no longer has the ability to contact an individual and no contributions have been made for five years. All lost member accounts with balances of $4,000 or less are transferred to the ATO and become unclaimed super.

O'Halloran says listing your tax file number with your super fund will make it easier for the tax office to reunite you with your missing money.

Linking your myGov account to ATO online services is also beneficial if considering consolidation or to view your account summaries.

"It’s a great time for Australians to check up on their super, particularly if they plan on logging-in to lodge their own tax return using myTax," O'Halloran says.

It's important to learn how to manage and check your super accounts and find out how much lost super is in your postcode.

SuburbsPostcodeStateNumber of accounts$ value
MacKay and surrounding areas4740QLD2,605$49,256,340.55
Cairns and surrounding areas4870QLD2,903$49,101,868.85
Toowoomba and surrounding areas4350QLD2,384$45,276,433.24
Liverpool and surrounding areas2170NSW2,120$37,714,680.99
Werribee and surrounding areas3030VIC1,742$35,531,341.07
Sydney CBD2000NSW1,867$35,055,841.48
Surry Hills and surrounding areas2010NSW1,743$34,721,863.97
Gladstone and surrounding areas4680QLD1,633$33,692,141.19
Bondi and surrounding areas2026NSW1,689$32,960,830.35
Campbelltown and surrounding areas2560NSW1,793$31,283,983.25

Picture: Shutterstock

Latest news headlines

Get more from Finder

Ask an Expert

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 Terms of Use, Disclaimer & Privacy Policy 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