Things to consider before you roll over your super
We want to make sure you've got all the relevant information you need before you make the decision of rolling other funds into our award winning super fund. We're here to help.
It only takes a few minutes to consolidate your super online
Keeping your superannuation in the one account may save you money on multiple fees, removes the hassle of paperwork, and gives you greater control over your retirement savings.
There are some important things to consider before you combine your super such as:
- Fees - will there be any upfront, ongoing or exit fees
- Insurance cover - will there be any loss of cover or other benefits
- Performance* - how have both funds performed over the medium to longer term
- Investment options - is there a comprehensive range of options to suit your needs
- Advice - will access to financial advice about your account be available as part of your membership
- Tax file number - do both funds have your TFN, to avoid additional paperwork
If you'd like to chat in more detail about what to consider before you decide to consolidate your super, call Cbus Advice Services on 1300 361 784, press 4 to be connected.
If you close your Cbus account, we’ll be sorry to see you go. You'll no longer be a member but you can re-join at any time, as long as you meet eligibility.
*Past performance is not a reliable indicator of future performance.
Ready to consolidate your super?
We’ll help you merge all your super into one simple account. You’ll need your tax file number, Cbus member number and any member or account numbers for your other funds.
Consolidate my superFind my lost super
Through your working life, you may have been paid superannuation into many different funds.
If your details have changed, your old super fund may have lost touch with you and transferred your super to the Australian Tax Office (ATO). This money is called lost super. And it’s super you can still claim.
Search for lost super
We offer a members service to search for lost super. All we need is your tax file number (TFN) and your permission to search for other super accounts with the ATO.
Find my lost super
We’ll help you find your unclaimed super. We’ll need your tax file number, full name and date of birth.
Find my super
Keep your details up to date
Whenever you change address, email or phone numbers, make sure you let us know. The same applies to when you change jobs. We’ll keep your details up-to-date and make sure you don’t lose track of your super.
Update my details online - login to your online account.
Update my details by phone - Call us on 1300 361 784, 8am to 8pm Monday to Friday AEST/AEDT.
Further reading
You can read more about consolidating or finding your super by clicking on the list below.
Changing jobs
When you move to a new job, you can still keep your super with Cbus. No matter what type of work you'll be doing, you can take your super account with you.
By sticking with Cbus you’ll enjoy the same history of strong, long-term performance, low fees and member benefits. And you’ll avoid paying additional fees on multiple super funds.
If your new employer has Cbus as its default fund, simply provide your Cbus member number and they’ll take care of the rest.
If your new employer is not already paying into Cbus, simply fill in and submit the I want my super paid into Cbus form (PDF).
Some employers may also ask for a Letter of Compliance or a Complying Fund Statement from Cbus.
Contact us if you need our assistance.
Further reading
You can read more about choice of fund by clicking on the links below
Unpaid super
By law, your employer is generally required to contribute at least 9.5% of your Ordinary Time Earnings (OTE) into your super account.
Cbus encourages employers to pay your super contributions monthly. This ensures your account starts earning interest as early as possible.
It’s important you ask your employer which fund they’re paying your super into, how much they’re paying and how often. And be sure to check your employer has your correct superannuation details.
Between October and December 2018 we collected over
$23 million
in unpaid super for our members.
In the 2018/19 financial year we collected over
$42.9 million
in unpaid super for our members.
How do I check if my super is being paid on time?
- download our mobile app to check your Cbus account balance and recent transactions at any time
- log in to your online account to check you’re receiving contributions.
- speak to your Cbus Coordinator or Union Delegate/Organiser
- call us on 1300 361 784 from 8am to 8pm (AEST/AEDT), Monday to Friday
What if my employer hasn't been paying my super?
Each month, Cbus checks if employers are paying their employee super obligations.
When a payment is missed, we act quickly to contact the employer to offer our support and assistance to help them make the payment.
When an employer still has outstanding contributions, we refer them to Industry Funds Credit Control (IFCC), our arrears collection agency.
Over the last 7 years IFCC has recovered over
$428 million
in unpaid super for our members as at 30 June 2018.
Check your super anywhere, anytime with Cbus mobile app
Transactions
Check your super is being paid on time.
Account balance
Track your account balance and see your super grow.
Update your details
Keep your details up to date, including a change of address
Site tickets
Store your site tickets to make it easier to check in on site.
RDOs
Add your RDOs to your phone calendar.
Weather
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Further reading
You can read more about unpaid super by clicking on the link below.