Get answers to some of our commonly asked questions.
Get answers to some of our commonly asked questions.
What is Cbus' ABN?
The Cbus Fund ABN is 75 493 363 262.
You may need this number if you want to consolidate your super from another fund into Cbus.
The Trustee ABN is 46 006 261 623.
What is Cbus' Unique Superannuation Identifier (USI)/ Superannuation Product Identification Number (SPIN)?
The Cbus USI / SPIN is CBU0100AU.
You may need this number to consolidate your super online.
If you are an employer, you may need it to make contributions.
Super Income Stream (SIS) members:
The Cbus SIS USI / SPIN is 75493363262001.
Who can join Cbus?
Anyone can join Cbus. You don't have to work in the building and construction industry.
Joining us is easy and you can do it online.
Find out more about joining us.
*Past performance is not a reliable indicator of future performance.
How do I access my super account online?
You can access your member and income stream account through our online account portals. They are available 24 hours a day.
With an online account you can manage and keep track of your super or income stream online. You can:
If you haven't set up an online account, create your account now.
Where do I find my member number?
You can find your member number on your:
What do I do if I've forgotten my online account login details?
If you don't know your online account password, you can fill in your details and we’ll email you a temporary password:
Member Online request password – for members still building their super.
Income Stream account request password - for members who are receiving regular payments via transition to retirement or super income stream.
I've lost my member card. How do I get a new one?
If you have lost your Cbus member card, you can call us on 1300 361 784 to request a new one.
You will be asked several questions about yourself first, so we can identify you as the account holder.
I have a new job. What do I need to do?
If you can choose your super fund, you can choose Cbus. So ask your new employer if you can take Cbus with you.
If your new employer already pays super into Cbus for other employees, simply give them your Cbus member number and they’ll take care of the rest.
Your member number is on your member card and statements.
If you’re unable to find your member number call us on 1300 361 784, Monday – Friday 8am – 8pm (AEST/AEDT).
Complete the I want my super paid into Cbus form (PDF) and hand it to your employer.
See changing jobs for more information.
How do I consolidate my super from other funds into my Cbus account?
Moving your superannuation into just one account could save you money by paying only one set of fees, reducing your paperwork and making it easier to keep track of you super.
Before you consolidate your super, you should check if:
It's quick and easy to consolidate your super into your Cbus account by accessing your online account.
If you have a Cbus Super Income Stream, you can’t add funds to your existing account but you can combine other funds with your account balance by starting a new super income stream account.
How do I choose the right investment option for me?
Before you make any changes to how your super is invested, it’s important to get financial advice.
The decisions you make now can have an impact on how much money you’ll have later in life. To maximise your super, you’ll need to consider a balance of risk and return that suits you and your stage of life.
As part of your membership, Cbus Advice Services can help you with:
Read more about the Cbus Advice Services.
I think my employer isn’t paying my super. What can I do?
To check if your super is being paid on time, you can:
Read more about unpaid employer contributions.
Can I access my super before I retire?
Super is generally 'preserved' in your fund until you retire from the workforce.
See question below for more details about preservation age.
In the following circumstances Government legislation allows for the early release of preserved super benefits before your reach your preservation age:
Members must meet government eligibility criteria before a payment can be made in these circumstances.
Read more about accessing my super.
Read more about transition to retirement.
What’s my preservation age?
|If you were born:||Your preservation age is:|
|Before 1 July 1960||55|
|1 July 1960 to 30 June 1961||56|
|1 July 1961 to 30 June 1962||57|
|1 July 1962 to 30 June 1963
|1 July 1963 to 30 June 1964||59|
|1 July 1964 or after||60|
What is a super income stream account?
An income stream uses the money you've saved in super to pay you a regular, flexible and tax-effective income during your final years of work and into retirement.
Read more about Cbus Super Income Stream.
Can I stay with Cbus in retirement?
If you’re already a Cbus member, it’s easy to stay with us in retirement. Your existing Cbus account can be transferred to the Cbus Super Income Stream.
And if you’re new to Cbus, it’s equally simple to join.
Cbus Super Income Stream offers:
Read more about Cbus Super Income Stream.
Will my super account affect my Centrelink benefit?
Your Centrelink benefit can be affected by:
Our Cbus Advice Services can explain how your super may affect your Centrelink benefit and help get you on the right track.
Read more about super and the age pension.
What happens to my super when I die?
You can choose who gets your super when you die by nominating a beneficiary.
If you’re eligible, you can make one of three types of nomination:
You get to choose the people who receive your super benefits. This ensures the balance of your super account, plus any insurance benefit, is paid to the right person. A binding nomination is valid for three years from the date of signing the nomination.
You may also nominate beneficiaries. However, Cbus will make the decision on who gets your super benefits under Cbus’ Trust Deed and relevant law taking into account the people you have chosen.
When you open a Cbus Super Income Stream account, you can nominate a beneficiary to receive payments as continued income when you die. You're unable to change or remove your beneficiary on this account.
Read more about nominating beneficiaries.
Can I transfer a UK pension to Cbus?
Since April 2015, Cbus can no longer accept UK pension transfers due to changes the United Kingdom made to its laws.
Read more about UK pension transfers.
We recommend you contact your licensed financial adviser in Australia or the UK.
Or call us on 1300 361 784.
Can I get advice from Cbus about my super?
As part of your Cbus membership, you have access to a team of qualified financial advisers.
The Cbus Advice Services can provide you with advice over the phone about:
We also run a series of retirement planning seminars, and if you'd like more comprehensive financial advice we can refer you to a CERTIFIED FINANCIAL PLANNER (CFP®).
How to join as an employer and set up your online account
There’s no cost to your business to join Cbus or to use our online payment system. And it’s quick and easy to join online.
Read the terms and conditions of joining Cbus as an employer in the Employer handbook (PDF).
Our team can talk you through the benefits of joining, and answer any questions you might have.
Call us on 1300 361 784 or send us your details and a member of our team will be in touch shortly.
Any authorised staff member at your business can call us on 1300 361 784 and answer a few security questions to verify the employee’s identity in the system. The member details will then be released.
Call our dedicated service team on 1300 361 784 to place your request for printed material. Or download industry super documents from forms and publications.
If you’re running your own business as a sole trader, you can find everything you need to know about joining Cbus and making super contributions in our Sole Trader PDS (PDF).
Any authorised staff member at your business can call Cbus on 1300 361 784 and we’ll issue a new password instantly over the phone.
Simply call Cbus on 1300 361 784 and supply verbal authorisation for the change of details via a ‘voice contract’ over the phone. Alternatively, you can provide Cbus with the details of your change in authorised contact details on official company letterhead, scanned and emailed to firstname.lastname@example.org.
Cbus Clearing House (QuickSuper)
Cbus Clearing House is a SuperStream compliant online system to submit your super contributions to multiple super funds (including Cbus) using one data file and one payment. Cbus then distributes payments to Cbus members' accounts, and to funds outside of Cbus, on your behalf.
If some of your employees want their super paid into a different super fund than your default fund, the Cbus Clearing House can save you time by removing the need for multiple payments.
Here’s an example:
Cbus is the default fund for your company. You need to pay super into Cbus for 15 employees. Five other employees want their super to be paid into five different super funds
Instead of making super contributions into Cbus, plus five other individual super funds, the Cbus Clearing House allows you to pay just once using one simple system. Cbus then distributes payments and instructions to the other funds on your behalf. We’ll also send you a final confirmation.
Yes, Cbus employers can use the Cbus Clearing House at no cost.
Cbus employers can use the Cbus Clearing House.
If you’ve already joined Cbus as an employer, you can register online for the Cbus Clearing House. Simply follow the prompts to register for your account access.
You’ll find everything you need to know about setting up your account in the Clearing House Registration Set-up Guide (PDF).
Cbus Clearing House saves time and money by enabling you to pay super to multiple funds in just one transaction.
Spend more time on your business and less time doing administration. And with the better data quality Cbus Clearing House provides, you can be confident your payments will get to your employees' accounts quickly and easily.
You can still make your monthly contributions to Cbus through another clearing house system. Just check that the frequency is set to monthly for Cbus contributions to ensure you meet your super obligations with us. If you prefer, you can choose to pay your contributions more frequently than monthly.
Making super payments
It's important that Cbus members receive regular super payments so the money can be allocated to their account and investment earnings can commence as soon as possible.
In addition, employers may be obliged to make contributions more frequently due to EBA or Awards within the construction industry.
Call Cbus on to request an official receipt that proves specific super contributions have been made for a specified time period or for a specified number of members. Proof of payments can be accessed and printed directly out of the Employer SuperSite and Cbus Clearing House, however these are not always accepted as official receipts onsite.
You can make an adjustment of super payments made to Cbus, such as changing how a payment was allocated or getting a full or part refund of a contribution payment. Only an authorised contact of the employer account can complete a Contribution refund or correction from (PDF).
Contribution refunds and corrections
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