How to Check (2 Minutes)
- Log into myGov (my.gov.au)
- Go to ATO linked services
- Click Super → then Manage
- You'll see all super accounts linked to your TFN — including ones you've forgotten about
- Transfer any old balances into your main fund
Why Super Gets Lost
Super becomes "lost" when the fund can't contact you. This usually happens because you changed address, changed your name, or simply forgot about a fund from a job you had 10 years ago. When a fund can't reach you for 5+ years, the account is classified as lost and eventually transferred to the ATO.
ATO-Held Super
If your old fund transferred your balance to the ATO, it shows up in your myGov super overview. You can request the ATO transfer it to your active fund. ATO-held super earns interest at the CPI rate — usually lower than what a super fund would earn.
Frequently Asked Questions
How long does it take to find lost super?
Checking takes about 2 minutes through myGov. If you find old accounts, transferring them usually takes 3-5 business days.
Does lost super still earn returns?
If it's still in a fund, yes — it earns returns and is charged fees. If it's been transferred to the ATO, it earns CPI-based interest which is typically lower.
Can I find super for a deceased person?
Yes. The executor or administrator of the estate can contact the ATO or use the deceased person's myGov account to find their super.