Essential Super - Combine your super accounts

How to combine super accounts

Log on: Simply log on to your Essential Super account via NetBank or the CommBank App and click ‘Consolidate’ or ‘Find your super’
Verify: We’ll ask you a few verification questions to perform the search for your super. We'll also need to verify your identity so have your Australian driver’s licence, passport, visa or Centrelink and Medicare card handy.
Search: We'll use the ATO's SuperMatch service to search for any lost or other super you may have.
Combine: If we find any super under your name, you can combine your super accounts with a click of a button.

Why combine multiple super accounts?

Keep your hard-earned dollars

Stop multiple account fees from draining your balance. Combine your super into a single fund to pay less on admin and keep your savings invested.

Maximise your super investment

With less money spent on fees and more staying in your super, you'll have a bigger base to benefit from strong performance.

Stay in control of your super

It's easy to keep track of a single Essential Super account. See your super and day-to-day funds in one place via NetBank or the CommBank app.

Things to check before you combine your super

Make sure the account you're keeping has enough cover to meet your needs. You can check which insurances are attached to your Essential Super account through Netbank or the CommBank app.

If they’re currently going to an account you want to close, you’ll need to let your employer know where they should go from now on. Need to bring your super to your Essential Super account? Use the Essential Super - Super Choice form.

You’ll need to change any salary sacrifice or automatic payments so they go into the super account you’re keeping open. Speak to your employer or bank to sort this out.

There may be additional things to consider if you have an SMSF or defined benefit fund. Make sure you understand the implications before combining your super.

Combine super