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Consolidating your super

Education HUB article

5 minute read

Are you paying too much?

Join the 12 million Australians currently saving for their future by not paying multiple fees on more than one super account.

ATO figures show about 76% of Australians are holding one super account1.
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How do I choose a super fund

Why consolidate?

Your super is your savings for your retirement. Multiple super accounts may mean you are paying more than one set of fees and insurance premiums.

Most people are eligible to choose where their employer pays their super contributions. This means you have control to choose your super fund and take it with you when you change jobs.

Take control of your super and understand what fund works best for you. Consider consolidating all your funds and join the majority of Australians paying for one set of fees.

Before consolidating your super, it’s important you check how doing so could impact your current benefits such as insurance.

If you choose Bendigo SmartStart Super, you may wish to bring your insurance with you. Call us or complete our Insurance Transfer Form before you consolidate your super or cancel any existing insurance cover.

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Consolidating your super
Consolidating your super

How to consolidate your super and start saving today

Do you already have a Bendigo SmartStart Super account? If you know your super fund details you can use our simple Request to Transfer Form to consolidate your super.

If you have access to Bendigo SmartStart Online, you can combine your super in less than a minute.

    • Login and click on 'Start your super search'
    • Follow the prompts

Alternatively, the Australian Taxation Office (ATO) makes it easy to consolidate using their online consolidation tool.

If you have any questions, you can call us on 1800 033 426 or email us at

For more helpful topics, explore our Education HUB.

A Wealth specialist can help guide you. Make an enquiry today. 

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Things you should know

1 Source: ATO Super statistics: multiple super accounts data. Figure as at 30 June 2022


Bendigo Superannuation

Bendigo Superannuation Pty Ltd ABN 23 644 620 128 AFSL 534006 (Bendigo Super) is the trustee and issuer of Bendigo SmartStart Super and Bendigo SmartStart Pension (products). Bendigo Super is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879 (Bank). Each of these companies receives remuneration on the issue of the products or services they provide, full details of which are contained in the relevant Product Disclosure Statement (PDS). Bendigo Super, the Bank and its related entities do not guarantee the repayment of capital invested, the payment of income or products’ investment performance. An investment in these products does not represent a deposit with, or liability of Bendigo Super, the Bank or its related entities. The Bank does not stand behind or guarantee the performance of Bendigo Super in its capacity as trustee and issuer of the products. Bendigo Super is not an authorised deposit-taking institution within the meaning of the Banking Act 1959.

Information on the website is subject to change without notice. Any advice in relation to superannuation is provided by Bendigo Super. The information contains general advice only and does not take into account your personal objectives, situation or needs. Before making an investment decision in relation to these products you should consider your situation and read the relevant PDS accessible through this site.

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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