Skip to main content
Join

Combine  your
super accounts

If you have more than one super account, it might be time to combine them. Discover the benefits of having your super in one account.

canva-man-writing-phone-laptop

Your super, 
all in the one
place

canva-young-woman-working-home-laptop-phone-earphones

The benefits of combining your super accounts

Combining, or ‘consolidating’, your super accounts means bringing multiple super accounts together into one account.

If you’ve changed jobs or addresses during your career, you may have ended up with multiple super accounts. You’re not alone – millions of Australians do too.

If you do find yourself with multiple super fund accounts, combining them into one single Hostplus account may provide a host of positives.

Prevent duplicated fees

Multiple super accounts mean multiple sets of fees. Reducing the fees you pay helps to maximise the amount you can invest and, depending on your situation, may help you save on insurance premiums too. Did you know that Hostplus has one of the lowest admin fees out of any MySuper product?1

Icon depicting a cup of tea

Spend less time on life admin

Combining your super into one account may reduce the amount of time you spend managing your super, saving you time as well as money. And with less time on paperwork, you’ve got more time for the things that really matter to you.

Find your lost super

Many people have unclaimed super and they don’t even know it! If you’ve switched jobs, forgotten to update your account details, or changed your name or address, you may have some lost super waiting to be found. If you decide to combine your super through Member Online, you'll be able to search for any lost super linked to your tax file number as part of the process.

1. Other fees and costs apply. Refer to the relevant PDS for more information, available at hostplus.com.au/pds. Hostplus Balanced (MySuper) investment option compared to SuperRatings fee data for public offer MySuper products extracted from SMART platform on 22 January 2026. Comparison is based on the total administration fees and costs assuming a $50k account balance. 


What to consider before you combine your super accounts?

Before combining, compare the fees, performance and other features of each fund and check whether you’ll lose any benefits or be charged a fee for closing an account. Importantly, if you do close an account, you’ll lose any insurance attached to that account. If you have insurance cover with another super fund, you may be able to transfer that cover to Hostplus. To find out if you're eligible or to learn more, visit our Transfer your cover to Hostplus page.

You may find it beneficial to obtain advice from a licensed financial adviser. Our advice team can guide you to the right advice based on your needs.


How to combine your super

If you decide combining your accounts is right for you, there are a few ways to do so.

Via Member Online

You can use Member Online to search for your other super using your tax file number, so you don’t need to track down fund names or member numbers yourself.

  1. Log in to Member Online (or register if you haven’t already).
  2. Select ‘Consolidate my super’.
  3. Follow the prompts.

Via the Hostplus app

You’ll need to know the name of your other super funds and associated member numbers.

  1. Open the Hostplus app (or download and register if you haven’t already).
  2. Tap ‘Consolidate super’ on the home screen.
  3. Search for your other super using the fund name or ABN and follow the prompts.

Transferring funds from an SMSF?Read our guide for step-by-step instructions.

Have a question about combining your super?

Find answers to some of the questions we are frequently asked about combining super into one account. 

Log in to your Member Online account to search for multiple accounts and/or lost super using your tax file number.

Once you’ve submitted your request to combine your super, we’ll start the process of transferring funds from your other accounts into your nominated Hostplus investment account. While we aim to do this as quickly as possible, the processing time can vary. Once processing is complete, we’ll be in contact to confirm that your super has been combined.

To move your super balance from an SMSF to your Hostplus account, you’ll need to complete a rollover using SuperStream, the ATO’s secure online system for super transfers. Here’s what you need to know: 

  • SMSF rollovers must be processed through SuperStream. 
  • You’ll need your Hostplus account details and access to your SMSF administrator or accounting software that supports SuperStream. 
  • For step-by-step instructions, download our guide.

This is a dialog window. Press Escape to close the dialog.