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How To Find Lost Superannuation in NSW & Consolidate Accounts

Superannuation is an essential component of the Australian retirement system. However, it is not uncommon for people to lose track of their superannuation accounts over the years, especially if they have changed jobs frequently. In fact, there was over $16 billion in lost superannuation in Australia in 2024, according to the Australian Taxation Office (ATO).

If you are among the many Australians who have lost track of their superannuation accounts, don’t worry; this blog will show you how to find lost superannuation in NSW and consolidate your accounts.

Step 1: Check your superannuation statements

The first step to locating lost superannuation is to check your superannuation statements. Your statements will show the names of the funds you have been contributing to and the amounts that have been contributed.

If you don’t have your statements, don’t worry. You can contact your current superannuation fund, and they can provide you with a list of your previous superannuation accounts.

You can also find lost superannuation at the ATO. Give them a call — they can provide you with a list of all the superannuation accounts that have been reported to them.

Step 2: Use the ATO’s SuperSeeker tool to find lost superannuation

Wondering how to find lost superannuation for free?

The ATO’s SuperSeeker tool is a free online service that allows you to search for any lost or unclaimed superannuation that you may have. To use SuperSeeker, you will need to create an account on the ATO website.

Once you have created your account, you can enter your personal details and search for lost or unclaimed superannuation. If SuperSeeker finds any lost superannuation, it will provide you with the details of the fund and the amount of money held.

Step 3: Consolidate your accounts

Once you have found your lost superannuation, the next step is to consider consolidating your accounts. Consolidating your superannuation accounts can save you money on fees and make it easier to keep track of your superannuation.

To consolidate your accounts, you will need to choose which superannuation fund you want to keep and which funds you want to transfer your money from. You can then ask your chosen fund to transfer the money from your other accounts.

It is important to note that before you consolidate your accounts, you should check for any exit fees or other costs associated with transferring your money. You should also consider any insurance or other benefits you may lose by transferring your money.

Step 4: Consider using a financial adviser

If you are unsure how to consolidate your superannuation accounts or if you have a large amount of money, it may be a good idea to speak to a financial adviser. A financial adviser can provide you with advice on how to manage your superannuation, including how to consolidate your accounts and which funds to choose.

Tracking lost superannuation and consolidating your accounts is important in managing your retirement savings. By finding and consolidating your superannuation, you can save money on fees and ensure that your retirement savings are working hard for you.

If you’re still wondering “how to find my superannuation,” chat with the Elliot Watson Financial Planning team today. We’ll ensure your super is accounted for and your accounts as consolidated efficiently.

To help find lost superannuation and consolidate accounts, contact us today.

The information within, including tax, does not consider your personal circumstances and is general advice only. It has been prepared without taking into account any of your individual objectives, financial solutions or needs. Before acting on this information, you should consider its appropriateness regarding your objectives, financial situation and needs. You should read the relevant Product Disclosure Statements and seek personal advice from a qualified financial adviser.
The views expressed in this publication are solely those of the author; they are not reflective or indicative of the licensee’s position and are not to be attributed to the licensee. They cannot be reproduced in any form without the author’s express written consent.

Elliot Watson Financial Planning Pty Ltd and its advisers are Authorised Representatives of RI Advice Group Pty Ltd, ABN 23 001 774 125 AFSL 238429.

Elliot Watson

Elliot Watson is an award-winning Certified Financial Planner with over 15 years' experience. He is passionate about helping people grow and protect their wealth.

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