Skip to main content

We use cookies to better deliver personalised content. Read about how it works.

Take your super to a new job

Retire couple laughing

What happens to my super when I change jobs?

Changing jobs doesn’t mean you need to change super funds. Your super is your choice, and it’s not tied to your employer or job.

In 2021 the government introduced “super stapling”. This means your chosen super account is linked to you and generally follows you when you change jobs.

  • If you don’t nominate a fund, your employer must pay into your stapled account.
  • If you don’t yet have a stapled account and don’t choose one, your employer will use their default fund.
  • Staying with one fund helps you avoid paying duplicate fees or losing insurance cover.

You can change your nominated super fund at any time with this pre-filled form. If you’re a member with us and you choose to stay, you can ask your employer to direct your contributions to your Aware Super account, so your savings continue to grow in one place.

Why keeping your super with one fund saves you money

Keeping your super in one fund helps grow your savings while avoiding common pitfalls like duplicate fees or lost accounts.[C1]

  • Compound interest: the more money you keep in one account, the more time it has to grow.
  • Fewer fees: multiple accounts often mean paying multiple fees.
  • Simpler management: managing a single account is easier and reduces the chances of lost super.
  • Hassle-free insurance: you maintain any insurance cover tied to your account without risking duplication.
Why Aware Super?

By keeping your super with Aware Super, you get:

  • Strong long-term performance that works to grow your balance over time[P1]
  • A profit-for-members fund, meaning more of your money goes back to you
  • Good company from the more than 1.2 million Australians who choose Aware Super[M4]
  • An award-winning fund, recognised for value and service.
Get your pre-filled form
true

Before your first pay: quick checklist

Make sure everything is set up so your super contributions flow into your Aware Super account:

  • You’ve given payroll your completed pre-filled form with Aware Super details.
  • Your TFN is on file with both your fund and your employer.
  • You’ve checked your first payslip and your online account to confirm the Super Guarantee payment.
  • If you have other accounts, think about combining them into Aware Super to save on fees.

What happens if you don’t choose a fund

If you don’t nominate a super fund when you start a new job, your employer will check with the ATO for a stapled account.

  • If the ATO finds one, your contributions must go to that fund.
  • If you don’t have a stapled account, your employer will pay into their default fund.
  • Having more than one account can mean extra fees and duplicate insurance.

Lost your member number?

If you don’t know your Aware Super member number, you can find it online by verifying a few personal details.

Once you have it, keep your member number somewhere handy. You’ll need it for future job changes.

Find your member number

Search for lost super and consider combining your accounts

If you’ve changed jobs in the past, you may have more than one super account, or even an account you've forgotten about. On average, Australians have three super accounts each. Holding multiple accounts could mean paying extra fees and losing out on compound interest per year.

It’s quick and easy to check if you have lost or unclaimed super. If you do, you can bring it together into your Aware account to keep things simple and save on costs.

Find lost super

Consolidate your super

FAQ

Your employer must pay into the fund you nominate. If they refuse or can’t process your request, you can raise it with the ATO.

Your super must be paid on the same day as your regular wages. Once your employer pays your super, it can take 1–2 business days to process.

Yes. You can keep your Aware Super account if you’re self-employed. You can still make personal contributions.

A stapled super fund is your existing super account that moves with you. You can find it via myGov or contact the ATO.

Where to next?

Check investment performance
See how Aware Super’s options have performed over time.
View invesment performance
Money bills
Find lost super
Track down any lost super.
Search for lost super
Plant with dollar symbol
Consolidate your super
Save on fees when you combine multiple accounts.
Consolidate your super
Money bag

[AD2] Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee.

[C1] Before consolidating, consider if this is right for you, including the loss of any insurance cover from your other funds, the impact on your investments, and potential tax implications and read the PDS and TMD at aware.com.au/pds. You may wish to speak with a qualified financial planner before making this decision.

[M4] Aware Super internal data as at 30 June 2026. This excludes Investment Funds clients.

[P1] Aware Super's High Growth option return over 10 years to 30 June 2026. SuperRatings Fund Crediting Rate Survey, June 2026. Based on the SR Growth (77-90) Index. Returns are after tax and investment management expenses but before the deduction of administration fees. Past performance is not an indicator of future performance.