Adviser resources

Welcome

You’re here because you’re an AustralianSuper registered financial adviser. We regularly update these pages to include the latest tools and information you need for your clients.

Latest news

Open super accounts online

Advisers and public trustee officers can now open super accounts for their clients directly in the Adviser Portal.

Simply select ‘Create a new account > Superannuation’ from the main dashboard page and follow the on-screen prompts.

Once submitted online, the account will automatically be set up. There are no identity verification requirements for super accounts, so this doesn’t apply for the online process like it does for our Choice Income or Transition to Retirement products.

Please note, the process requires downloading a prefilled application form. This doesn’t need to be submitted to AustralianSuper however you’ll need to obtain the client’s signature and keep the signed form on file. Like our other application forms, you may be asked to produce this in future and are expected to do so within five business days.

We’re planning to extend this enhancement to authorised support staff in the future.

Choice Income online join via Adviser Portal

There are a few ways to submit a Choice Income application to Adviser Services. The fastest way to open an account is online via the Adviser Portal.

Online forms will only proceed with all the required information, reducing the need for unnecessary re-work.
Applications are received quicker, so they’re processed promptly by our admin team.
Any issues with Electronic ID are identified at lodgement stage and if certified ID is required, this can be sent directly with the application to Adviser Services to avoid delay.

If you need help with lodging an online application, please contact our Adviser Services team.

Introduction of non-lapsing binding nominations

Following feedback from advisers and members, we’ve introduced non-lapsing binding nominations. This option saves time by avoiding frequent renewals and ensures death benefits go to chosen beneficiaries.

We no longer accept previous versions of the forms, so if you have any applications pending, please replace these with the new forms.

Submitting third party authorities

To ensure a smooth process when submitting your own third-party authority form to AustralianSuper, please follow these guidelines:

Adviser’s email: include email address of the adviser requesting authorisation.
Support staff authorisation: if you’d like your team to assist with client matters, please include a line on your form authorising ‘all support staff’.

Get your admin processed faster

You can upload most forms via the Adviser Portal. This method is faster and more secure, helping you to avoid potential delays in the Adviser Services team inbox. Within 5 working days after uploading your form, you’ll be able to see if your request has been processed.

Advice fee forms and Member Direct third-party authorities currently still need to be emailed to Adviser Services.

Identification requirements

One of the most common reasons for processing delays is insufficient ID provided.

To speed up processing, please ensure correct ID is provided. ID requirements for different types of requests can be found at australiansuper.com/idhelp

Electronic verification is the easiest way to verify your clients’ identity. We’ve recently improved this process working with Experian, a credit reporting agency, to help verify ID.

Paying an advice fee form change

We’ve recently updated the Paying an advice fee form in response to the Delivering Better Financial Outcomes legislation.

Please delete any previous versions of the advice fee form you may have saved and use the Adviser Portal to create the fee form going forward.

Please then email the fee form to Adviser Services with certified ID for processing.

The advice fee payment schedule can be found here.

FAQs

The following outlines some useful process and product information to help you in your day-to-day work.

Registration

General info

How do I register as a financial adviser with AustralianSuper?
1. Complete the online Adviser Registration form
2. Once completed, we’ll be in touch with next steps.
Please note: Currently, only advisers licensed by a licensee who are registered with AustralianSuper are eligible to register and deduct advice fees. If your licensee is not yet registered, please see our For advisers page for further information or get in touch with us at adviserenquiries@australiansuper.com
Who do I contact if I have any questions about becoming a registered adviser?

If you can’t find all the answers you’re looking for on our For advisers page, email adviserenquiries@australiansuper.com
What do I need to do if I’m already registered as an adviser with AustralianSuper but moving to another licensee?

If you’re moving to another licensee, complete the online Adviser Registration form with your new details.

Our team will review your completed registration form and get in touch with the next steps.

Please note: if you’re transferring to a non-registered licensee, you’ll still be able to access your client details via the Adviser Portal (if they haven’t opted out) but you’ll no longer be able to deduct advice fees from AustralianSuper.

Working with us

Starting out

How do I get in touch if I have questions about AustralianSuper?
Registered advisers with AustralianSuper can email or call our dedicated Adviser Services team:
- Phone: 1300 362 453 (9am – 5pm weekdays AEST)
- Email: adviserservices@australiansuper.com
Our Adviser Distribution team are Fund and Product experts, dedicated to developing and maintaining strong, long-term relationships with external licensees and financial advisers. The team make regular visits to licensees throughout the year and will work with you to ensure you have the right information, tools and support.

Download our Adviser Guide for more information on working with us.
How do I get listed on the AustralianSuper ‘Find an Adviser’ web page and start receiving advice referrals?

AustralianSuper have a limited number of registered financial advisers who may be eligible to receive referrals. Your Adviser Partnership Manager will contact you to discuss this further when there is adequate demand in your region and you have met the eligibility criteria.
What is the Fund's ABN, SPIN and USI?
Superannuation
- Unique Superannuation Identifier (USI): STA0100AU accumulation
- Superannuation Fund Number (SFN): 2683 519 45
- Superannuation Product Identification Number (SPIN): STA0100AU
- Australian Business Number (ABN): 65 714 394 898
Pension/Retirement
- Unique Superannuation Identifier (USI): STA0002AU pension
- Australian Business Number (ABN) 65 714 394 898
- Superannuation Product Identification Number (SPIN): STA0002AU
Do I need to provide original documentation?
The only time we require original documentation is when you’re submitting:
- Guardianship order; or other Certified documents.
All other AustralianSuper forms can be scanned and emailed to us. You can find a full list of forms accepted by email in our Forms accepted by email fact sheet.

To return a form via mail, please refer to the Help & Support page.
Does AustralianSuper accept digital signatures?

Yes. We accept digital signatures on most of our forms. There are a few exceptions; binding death nominations, guardianship, power of attorney and certified documents. You can find further information in our How to submit forms fact sheet.
When do I need to provide certified ID? What are the certification requirements?
Take a look at our Guide to providing proof of your identity fact sheet for information on when certified ID is needed, and what other certification requirements are needed.

If you’re certifying the ID in your role as financial adviser, the certification must:
1. Be easy to read
2. Include the adviser’s full name and occupation e.g. financial adviser
3. Include the adviser’s ASIC Authorised Representative or AFSL number
4. Be signed by the adviser
5. Show the date of certification which must be within the last 12 months.
What are the expected time frames for processing paperwork?

All correctly completed forms are generally processed within 7 -10 business days from receiving your email.

For Advice Fee requests, please refer to the Advice Fee Payment Schedule in our FAQs for timeframes.

If we’re operating outside of this time frame due to high volumes, we’ll notify you via auto-reply emails and other methods of communication if needed.

The easiest way to check for the completion of your requests is by logging into the Adviser Portal.

Client account

How can I set up an account for my client?

You can open an accumulation, Choice Income or TTR Income account on behalf of your client via our online join forms, located under the Join button in the top right-hand corner of this site. You’ll also find links here to the Product Disclosure Statements (PDSs).

The accumulation online join form was created for members who don’t currently have an AustralianSuper accumulation account. If your client already has one, you’ll need to fill out these two forms on their behalf: AustralianSuper join form (empty) and Keep your AustralianSuper super accounts open form. Please scan and upload to the Adviser Portal. Ensure the file size does not exceed 3MB per file.
Why does my client have two numbers, and which one do I use?
You may be aware that our members have two unique numbers used to identify them:
1. A member number
2. An account number. The account number should always be used on all forms.
How do I access my client’s AustralianSuper account information?

Your client can sign a form to Give access to their financial adviser or you can use your own third-party authority form, if it clearly identifies both the member and adviser. Please note it is mandatory to include the Licensee AFSL number if you’re using your own form. You then submit either form to us via email and within 72 hours, you’ll have access to your client’s account information.

The easiest way to access member account details is by logging in to the Adviser Portal. If you haven’t yet registered for the Adviser Portal, please register or get in touch at adviserenquiries@australiansuper.com.
Does my authority and Adviser Portal access to my client’s account details expire?

All third-party authorities are valid for a maximum of 10 years from commencement. You can always submit a new authority to access information signed by your client at any time.
How does my client register for online access to their account?

Once their AustralianSuper account is active, members can register for online access to their account by visiting australiansuper.com/register All they need is their AustralianSuper member number (Customer reference number (CRN) for Choice and TTR Income account members) and email address.

Members will be able to check their account balance and withdrawals, manage their investments and insurance cover (if applicable), and make and/or change beneficiary nomination(s).

Registering is easy and should only take a few minutes.

Downloading the AustralianSuper app

Once a member has set up their account online, they can download the AustralianSuper app; a free and easy way to access and manage their account on mobile or tablet device.

To download the app from the Apple Store or Google Play, members can visit australiansuper.com/mobile

Members will be able to use the same login as the one created for their AustralianSuper account online the first time they access the app. They can then create a four-digit pin for all future logins to the app.
If there’s a valid binding nomination on the account (for the deceased’s spouse), do I still need a No intent to apply for a death payment form from the adult children of the deceased?

If a client passes away, and their spouse has submitted a death claim, the Trustee (AustralianSuper) is obliged to assess the Binding Death Benefit Nomination (BDBN) form submitted by the member to determine whether the BDBN is valid as at the date the member passed away.

This includes any issues of the member’s capacity to make the BDBN and a determination as to whether the person nominated is a ‘dependant’ under the law. Therefore, we’re required to conduct enquiries about the member and their circumstances.

A No intent to apply for a death payment form doesn’t need to be completed by the deceased member’s adult children, but if the completed form is provided to us, it will assist with our enquiries.

Also, we still have duties (as a Trustee) to notify all potential claimants of our intention to distribute a benefit in a certain way. A 28-day letter, with the opportunity to object to us, and then onto an external dispute resolution body (AFCA) is required under the Corporations Act s1056.

If we don’t do this, and the fund pays a benefit to a beneficiary (under a binding nomination) that’s proven to be invalid, AustralianSuper may have to pay the benefit twice.
How should Power of Attorney (POA) documents be prepared and submitted?
To ensure timely processing, please be advised that POA documents should:
- be in writing and be made by a person aged 18 years or over who can understand the nature of a POA
- be scanned certified copies.
- be certified on the first and last pages and initialled on all other pages, at a minimum. Note: If all POA pages are certified, this is also acceptable.
- include the original certified identification for the nominated POA. AML/CTF legislation prevents us from acting on any instruction from an attorney until this is received. Acceptable forms of photo ID are driver’s licence or a passport.
- include at least 3 client identification points such as client’s full name, date of birth, member number and address, for security reasons. Alternatively, a cover letter accompanying the POA document dated and signed by the nominated attorney, adviser (with third party authority) or the client containing 3 points of member identification is acceptable.
- be emailed to adviserservices@australiansuper.com. Remember to also attach a copy of the documents (including the cover letter, if used) for our reference.
Are amendments allowed to an already completed Binding nomination form?

No, if any changes, amendments or corrections need to be made to a form, then a new form is required. The member cannot initial changes on an existing form, and the same form cannot be submitted.

Contributions

How does my client contribute to their AustralianSuper account?

Personal contributions can be made to your client’s AustralianSuper account via BPAY, Cheque, Direct Debit or EFT.

BPAY – is the fastest way for a personal contribution to be made to AustralianSuper. BPAY payment details are unique to each member and can be found on their member profile on the Adviser Portal, the member’s online AustralianSuper account, or can be requested via the Adviser Services team.

Cheque – A cheque made payable to AustralianSuper can be mailed to us.

Add to your super with after-tax contributions

Direct Debit – We can set up a once off or ongoing Direct Debit from your client’s bank using the below form:

Add to your super with after-tax contributions

This form can be emailed to the Adviser Services team at adviserservices@australiansuper.com

EFT – We can also accept an EFT payment to:

BSB: 083-355
Account: 674065855
Bank: National Australia Bank
Reference: Account Number

EFT must only be made once a member’s account is open. Once payment has been made, the Adviser Services team must be advised by email at adviserservices@australiansuper.com to have the payment allocated. If the Adviser Services team is not advised, the payment may not be allocated and could be refunded back to the member.
How does my client make a Downsizer contribution?
Acceptable forms of payment for a Downsizer contribution are:
- Cheque – made payable to AustralianSuper can be mailed to us.
- EFT payment to:
  
  BSB number: 083-355
  Account number: 674065855
  Account name: Pacific Custodians P/L ATF AustralianSuper
  Bank: National Australia Bank
  Reference: Account Number
  
  EFT must only be made once a member’s account is open. Once payment has been made, the Adviser Services team must be advised by email at adviserservices@australiansuper.com to have the payment allocated. If the Adviser Services team is not advised, the payment may not be allocated and could be refunded back to the member.
Please note that both Direct Debit and BPAY payments cannot be accepted.

When the Downsizer contribution is received via cheque or EFT, a completed ATO Downsizer contribution into superannuation form must also be received for the Downsizer contribution to be allocated. The signed and dated ATO form must be received by the fund either before, or at the same time, the fund receives the contribution.

If you make multiple contributions to the fund, you must provide a Downsizer contribution into superannuation form for each contribution, remembering the total of your contributions must not exceed $300,000.

Please visit ato.gov.au to download a copy of the ATO Downsizer contribution into superannuation form.
How does my client make a Capital Gains Tax (CGT) Election Payment?
Acceptable forms of payment for a CGT contribution are:
- Cheque – made payable to AustralianSuper can be mailed to us.
- EFT payment to:
Account name: Pacific Custodians P/L ATF AustralianSuper
BSB: 083-355
Account number: 674065855
Bank: National Australia Bank
Reference: Account Number

When making a payment, please:
- Ensure the member’s account is open.
- Complete the ATO Capital Gains Tax Cap Election form.
- Email the Adviser Services team with the attached form to have the payment allocated.
Please note we must receive the signed and dated ATO form before, or at the same time, that we receive the contribution.

If the above steps are not completed, the payment may not be allocated and could be refunded.
How do I complete a recontribution strategy for my client at AustralianSuper?

A recontribution strategy can be completed by withdrawing a lump sum from any combination of AustralianSuper accumulation, TTR Income or Choice Income account(s). Your client will need an AustralianSuper accumulation account to receive the contribution.

Follow the steps below to complete a recontribution strategy.

1

Consider tax deductions

Complete a Claiming a tax deduction for personal contributions form before the withdrawal is made if your client intends to claim a tax deduction.

2

Withdrawal from accumulation account

Complete an Apply for a payment form for a full or partial withdrawal from your client’s accumulation account.

If you apply for a partial withdrawal, ensure there is an account balance of at least $6,000 to keep the account open.

If you apply for a full withdrawal, the account will be closed, and any insurance will be cancelled.

2

Withdrawal from TTR Income/Choice Income account

Complete a Request a full withdrawal of your Choice Income or TTR Income account form for a full withdrawal and closure of your client’s Choice Income or TTR Income account.

Complete a Request a partial withdrawal of your Choice Income or TTR Income account form for a partial withdrawal of your client’s account balance.

3

Recontribution type

Your client has an accumulation account: Recontribution can be made to the existing account.

Your client does NOT have an accumulation account OR Your client has an accumulation account but wants to keep the tax-free component segregated: Your client will need to open a new/additional Personal Plan accumulation account.

4

Open Personal Plan accumulation account

Read the PDS before applying for a new AustralianSuper accumulation account.

5

Investment choice

Complete the Investment choice form before the contribution is made if your client would like to pick their investment options.

6

Recontribute the money into the accumulation account as a tax-free non-concessional contribution

How does my client contribute to their AustralianSuper account?

7

Optional: Open Choice Income account

Read the PDS before applying for a new AustralianSuper Choice Income account. Your client can then request to transfer whole or partial balance of the accumulation account to the Choice Income account.

SMSF

How does my client roll in to AustralianSuper from their Self-Managed Super Fund (SMSF)?
To rollover their SMSF super balance into their AustralianSuper account, clients can complete the Combine your super form at australiansuper.com/forms

They will need to provide us with the following details for AustralianSuper to request the transfer of super:
- SMSF name and ABN
- Active SMSF Electronic Service Address (ESA)
Obtaining an Electronic Service Address (ESA)

If the client needs an ESA, they can obtain this from:
- their SMSF Administrator, tax agent, accountant or bank; or
- a dedicated SMSF messaging provider – go to ato.gov.au/esa for registered providers.
How does my client roll out from AustralianSuper to their Self-Managed Super Fund (SMSF)?
To rollover their AustralianSuper account balance to their SMSF, clients can complete the Apply for a Payment form at australiansuper.com/adviserresources

They will need to provide us with the following details:
- SMSF name, ABN and bank account details
- Active SMSF Electronic Service Address (ESA)
- Certified copy of a SMSF bank document that clearly displays the SMSF account name, BSB and account number (current document issued within last 12 months)
Obtaining an Electronic Service Address (ESA)

If the client needs an ESA, they can obtain this from:
- their SMSF Administrator, tax agent, accountant or bank; or
- a dedicated SMSF messaging provider – go to ato.gov.au/esa for registered providers.

Our products

General info

Where can I find AustralianSuper’s product TMDs and learn more about adviser Design and Distribution Obligations (DDO) responsibilities?

A Target Market Determination (TMD) describes the target market for a financial product and relevant conditions in relation to the distribution of the product to consumers. It also includes the events or circumstances where we may need to review our products and the TMD. You can view AustralianSuper’s TMDs here.

TMDs are a requirement of the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019. Read the FAQs to learn about superannuation product design and distribution obligations (DDO) for financial advisers.
What’s the difference between Personal, Industry and other accumulation product divisions at AustralianSuper?
If you’re setting up a new member to join AustralianSuper, we have a range of accumulation divisions tailored for different individuals, employers and employment arrangements. Below provides a brief description of the main divisions:
- Personal Plan (no default insurance) – this division is for members who do not require default insurance, or are self-employed as sole traders, or as a partner in a partnership, or who aren’t currently in paid employment, or who are retired or who won’t be receiving regular Super Guarantee (SG) contributions.
- AustralianSuper plan (Industry division with default insurance) – this is our largest division and is open to members in full-time, part-time or casual employment within any industry, who receive regular SG contributions, and require default insurance (insurance is activated by and dependant on receiving SG contributions).
For further details on our accumulation product divisions, download the relevant PDS under the All documents tab on this site.

Note: If you join up a member to the Industry division (AustralianSuper plan), default insurance is provided automatically once they’re eligible. They’re eligible once they’re 25 or older; and have a super balance of $6,000; and receive an employer super contribution after they meet both age and balance requirements (other conditions apply). They will also need to ensure they have enough money in their super account to cover the cost of insurance. If your client does NOT want default insurance, you should consider the Personal Plan. Please read the PDS for further details on each division.
How do crediting rates and investment returns work?

We calculate the investment performance of your clients’ investment options every business day. We do this through crediting rates, published on our public site.

Crediting rates change based on movements in investment markets and can increase your client’s account balance if positive, or reduce if negative. Their balance is likely to change most days based on these movements and any transactions on your account.

Crediting rates are net of fees and tax, so they’re shown after all fees and taxes related to managing the investment portfolio have been taken out.

To learn more on how these rates are published, when they’re applied and how they’re calculated, download the How crediting rates and investment returns work fact sheet.
What is your insurance cover design?

The default insurance cover design depends on the division your client joins. Please note that default insurance is not available in the Personal Plan. Default insurance cover available in AustralianSuper Select may differ due to tailored employer-sponsored insurance arrangements.

Eligible members receive a basic level of age-based cover without having to provide any health information. They’re eligible once they’re 25 or older; and they have a super balance of $6,000; and they’re receiving employer super contributions (age limits and other conditions apply). If your client is younger than 25, they’ll have to apply for cover.

Income Protection is available from age 15 to age 69, and your client can choose between age-based or fixed cover. Default Income Protection isn't available in the GHD Superannuation Plan or Super Options, but your client can apply for it anytime.

Death cover is available from age 15 to age 69, and Total & Permanent Disablement (TPD) from age 15 to 64. For Death and TPD cover, your client can choose between age-based, age-based plus extra (fixed) cover or just fixed cover. If your client has Death or TPD cover with AustralianSuper they may be able to claim a benefit for terminal illness.

Generally, the cost of cover increases as the member gets older. Insurance premiums are quoted on a weekly rate and are deducted monthly from the member’s super account. For further details on our insurance, please read the relevant PDS and Insurance Guide available under the All documents tab on this site.
How do I access term deposits for my client?

Term deposits are available only via Member Direct. If you require term deposits for your client, they’ll need to register for a Member Direct account. Please see the steps above to register for a Member Direct account and refer to the Member Direct Guide for further details.
Does AustralianSuper publish its PreMixed option asset allocation by weight?
Yes, we publish the asset allocation for each Premixed investment option every quarter¹. This also includes:
- Foreign currency exposures
- Growth and Defensive assets split
- Performance snapshot
- Investment objectives, and
- Risk levels based on the time invested.
You can view this information on our PreMixed investment options page. For asset allocations for previous quarters, please contact our Adviser Services team.
1 Data is published approximately 45 days after the end of each quarter. This ensures the protection of members’ interests by avoiding the disclosure of our investment strategy in a manner that could negatively impact members’ returns.

Retirement

What are your retirement income products at AustralianSuper?
If you’re setting up a client to join AustralianSuper, and who’s transitioning to either part or full retirement, they have two choices for an income stream:
- Choice Income account – for clients retiring and wanting to draw an income from their savings in a tax-effective environment.
- Transition to Retirement (TTR) Income account – for clients not yet retired and looking to supplement their income by drawing on their super savings.
Note: Generally, your client will need a $50,000 minimum balance for a Choice Income account and $25,000 minimum for a TTR account. However, where their advice strategy requires a lower starting balance, we may be able to arrange an exception for you. If this is the case, please get in touch to discuss.

For further details on our retirement product divisions, download the relevant PDS under the All documents tab on this site.
How do I roll a pension over from another fund to AustralianSuper? Do I need to open a super account first or can the pension be rolled over directly to an AustralianSuper Choice Income account?

Unless your client is adding money from outside super (for example, making a non-concessional contribution), then you can roll their external pension directly to a new AustralianSuper Choice Income account. Join the new member using an application form for the relevant retirement account via the PDS or online. On the application form, there’s space to roll in one external fund. If there’s more than one external fund rolling in to the new account, also complete a Combine your super into AustralianSuper form.

It’s a good idea when rolling a pension over from another fund, to check if the pension is a Death Benefit Pension, as these monies must remain separate in terms of legislation and cannot be sent via SuperStream. It’ll be necessary for the outgoing fund to process your request manually and provide us with a Death Benefit RBS.

Please get in touch at adviserservices@australiansuper.com if you have any questions.
What happens when a TTR Income account transfers to a Choice Income account?

When a member meets a condition of release, their TTR Income account is converted to a Choice Income account. All details including account number stay the same, but the name of the product changes. When this occurs, a Balance Booster amount will be credited to the account on the day the account changes over. This will happen automatically when the member turns 65 years. Additionally, if the member had an AustralianSuper accumulation super account before moving to a TTR Income account, their whole account history is taken into account when Balance Booster is calculated.

Member Direct

What is Member Direct?

The Member Direct investment option offers members more control and choice of their super or retirement income investments. They can invest in shares, Exchange Traded Funds (ETFs), Listed Investment Companies (LICs), term deposits and cash – all from an easy-to-use online platform.

There’s a separate AustralianSuper Member Direct portal where you can access your client’s Member Direct investment details and make transactions on their behalf (subject to having submitted a valid client authority form.
How does my client set up Member Direct?
Before commencing a Member Direct account, we recommend that both you and your client read the Member Direct Investment Guide and the Member Direct Menu located under the All documents tab on this site.

Step 1: Your client first needs to have an AustralianSuper accumulation or pension account, and register for member online access to the Member Portal.

Step 2: Once the funds are available in their AustralianSuper account, the member can then register for a Member Direct account. They can do this by logging in to their online account and locating the ‘Member Direct’ tile via the Investments tab.

Step 3: To register for Member Direct, they’ll need to make a cash transfer from their existing AustralianSuper account. Please note they cannot transfer their whole balance into Member Direct. A minimum of $5,000 needs to remain in their PreMixed and/or DIY Mix options. It takes two days before the cash is available to invest on Member Direct. You may prefer to assist the member with this process; however access is only available via the member’s online account.

Step 4: Your client will need to complete a Give Access to your Member Direct Account form, and nominate your access as either “read only” or “read and transact”. Please email this completed form to adviserservices@australiansuper.com and you’ll be sent the login details to the Member Direct portal.

Step 5: To access your client’s Member Direct accounts, simply login to the Member Direct portal. The link is also under the Member Direct tab on this site. Once logged into the Member Direct portal, you can make transactions in Member Direct on behalf of your client via the UBS share trading facility. You’ll need to have ‘read and transact’ access in order to do this.

Step 6: If you’re charging for an advice fee to be debited from the client’s Member Direct account, use the Request to Pay Advice fee - Member Direct form

Handy hints:
- Members in a Transition to Retirement (TTR) Income account can only register for Member Direct using their Accumulation account, not their TTR Income account.
- Special rules apply to Member Direct. There are minimum account balance requirements and investment limits that apply to ETFs, LICs, and shares. Also, once you open a Member Direct account, you must keep a minimum ongoing balance in your other AustralianSuper investment options at all times. For all the information you need to help your client set up and maintain their Member Direct account, visit australiansuper.com/MemberDirectGuide.
- Member Direct investing uses a separate system to regular AustralianSuper accumulation and retirement products.
- Using the regular AustralianSuper Adviser Portal, you’ll only be able to view the high level amounts in you client’s Member Direct option. To view the full details of their investments or transact on their account (subject to your authorisation level), you’ll need to log in via the Member Direct portal.
How do I transact on Member Direct for my clients?

You transact via the Member Direct portal at https://www.memberdirect.australiansuper.com/AdminLogin. Your client’s account will be available once we have received and processed a completed Give Access to your Member Direct account form.
How do I get access to a member’s Member Direct account?
- Your client needs to complete a Give Access to your Member Direct Account form nominating access level as either “read only” or “read and transact”.
- You then email this completed form to adviserservices@australiansuper.com
- You’re then sent the login details to access the Member Direct portal.

Balance Booster

What’s Balance Booster?

Balance Booster is a tax saving. If the member meets the eligibility requirements, we’ll pass this tax saving on to them. When the member has a super account or TTR Income account, AustralianSuper sets money aside to pay for future capital gains tax when investment assets are sold.

When the member moves from a super or TTR Income account to a Choice Income account (account based pension), their balance is transferred to a tax free environment. Assets sold in retirement phase are not taxed, so the amount set aside in the member’s super or TTR Income to cover a future capital gains tax liability can be passed to them as a credit – their Balance Booster payment.
Does Balance Booster count towards the $1.9m transfer cap?

Yes, it does. Members need to make sure that the amount they transfer from their super or TTR Income account, plus their Balance Booster and any other money they hold in other retirement income accounts, does not exceed this cap. If the Balance Booster triggers an excess transfer balance, the member will need to reduce the excess amount from their account and pay the excess transfer balance tax. The ATO has further information on what to do for excess transfer balances.
What can affect the value of a Balance Booster payment?

One of the factors that may influence the value of a potential Balance Booster payment is the amount of time the member has been invested in the option in a super or TTR income account, as this may impact the capital gains made, and also the money set aside for applicable capital gains tax.

If the member changes investment options prior to moving to a Choice Income account, their accrued Balance Booster amount may be reduced to zero. This is because some of the money that was set aside is now used to pay the applicable capital gains tax for the assets sold during the switch. The same result can also apply when undertaking a cash out and a re-contribution strategy.

In addition, if a member moves to a Choice Income account, and they withdraw 50% (or more) of their starting account balance within the first financial year, there will be a clawback of the entire Balance Booster. The 50% withdrawal threshold could be made up of any combination of income payments, additional withdrawals and rollovers.
How can I get a Balance Booster estimate for my client?

Simply contact the Adviser Services team. Please note that the estimate will be based on the balance the day it’s calculated and not based on the date the Choice Income account application is processed. Therefore, there’s likely to be a difference between the estimate and final amount, since the daily crediting rates change.

Advice fees

Advice fee payment

How are advice fees paid?

For payment to be made, a completed fee request form - either a Paying an advice fee form or a Paying an advice fee – Member Direct form - must be sent to Adviser Services at adviserservices@australiansuper.com, along with the member’s certified copy of identification (e.g. driver’s licence, passport, birth certificate etc.) attached.

The fee request will then be assessed, and if approved, deducted from the member’s account and sent to your licensee within six to eight weeks for distribution. See our advice fee payment schedule for our fee processing dates.

Advice fee payment schedule

Where completed fee deduction requests are received between the start and end dates of a payment cycle, assuming that all necessary information has been provided and the fee meets the requirements for approval, this calendar shows the expected date of deduction from a member’s account, and the date of expected payment to your licensee.

For External Reference
Fee Run Reference No.	Start date	End date (COB)	Expected date of deduction from member account	Expected date of payment to licensee
AF124	14/12/2024	27/12/2024	Friday, 3 January 2024	Tuesday, 14 January 2025
AF125	28/12/2024	10/01/2025	Friday, 17 January 2025	Tuesday, 28 January 2025
AF126	11/01/2025	24/01/2025	Friday, 31 January 2025	Tuesday, 11 February 2025
AF127	25/01/2025	07/02/2025	Friday, 14 February 2025	Tuesday, 25 February 2025
AF128	08/02/2025	21/02/2025	Friday, 28 February 2025	Tuesday, 11 March 2025
AF129	22/02/2025	07/03/2025	Friday, 14 March 2025	Tuesday, 25 March 2025
AF130	08/03/2025	21/03/2025	Friday, 28 March 2025	Tuesday, 8 April 2025
AF131	22/03/2025	11/04/2025	Friday, 18 April 2025	Tuesday, 29 April 2025
AF132	12/04/2025	25/04/2025	Friday, 2 May 2025	Tuesday, 13 May 2025
AF133	26/04/2025	09/05/2025	Friday, 16 May 2025	Tuesday, 27 May 2025
AF134	10/05/2025	23/05/2025	Friday, 30 May 2025	Tuesday, 10 June 2025
AF135	24/05/2025	06/06/2025	Friday, 13 June 2025	Tuesday, 24 June 2025
AF136	07/06/2025	20/06/2025	Friday, 27 June 2025	Tuesday, 8 July 2025
AF137	21/06/2025	11/07/2025	Friday, 18 July 2025	Tuesday, 29 July 2025
AF138	12/07/2025	25/07/2025	Friday, 1 August 2025	Tuesday, 12 August 2025
AF139	26/07/2025	08/08/2025	Friday, 15 August 2025	Tuesday, 26 August 2025
AF140	09/08/2025	22/08/2025	Friday, 29 August 2025	Tuesday, 9 September 2025
AF141	23/08/2025	12/09/2025	Friday, 19 September 2025	Tuesday, 30 September 2025
AF142	13/09/2025	26/09/2025	Friday, 3 October 2025	Tuesday, 14 October 2025
AF143	27/09/2025	10/10/2025	Friday, 17 October 2025	Tuesday, 28 October 2025
AF144	11/10/2025	24/10/2025	Friday, 31 October 2025	Tuesday, 11 November 2025
AF145	25/10/2025	07/11/2025	Friday, 14 November 2025	Tuesday, 25 November 2025
AF146	08/11/2025	21/11/2025	Friday, 28 November 2025	Tuesday, 9 December 2025
AF147	22/11/2025	12/12/2025	Friday, 19 December 2025	Tuesday, 30 December 2025

Can I submit a Paying an advice fee form for one-off, fixed term or ongoing advice fees using the same form?

Yes, provided it meets the fee requirements and AustralianSuper’s standard advice fee cap.
What types of one-off advice can and cannot be paid from an AustralianSuper account?
For one-off advice services, any advice provided in a Statement of Advice or Record of Advice that relates to the member’s AustralianSuper account, can be paid from their AustralianSuper account, such as:
- Super advice (e.g. accumulation, investment choice, contributions, withdrawals)
- Pre-retirement pension advice (e.g. transition to retirement)
- Post-retirement advice (e.g. account-based pensions)
- Insurance and claims advice (e.g. death, TPD, income protection)
- Estate planning advice (e.g. binding death benefit and reversionary beneficiary nominations)
- Including incidental advice such as simple cash flow analysis, retirement projections and applying for social security which supports the provision of advice relating to an AustralianSuper product
- Implementation of the above.
Any one-off advice services that do not relate to the member’s AustralianSuper account, cannot be paid form their AustralianSuper account, such as:
- Super advice (e.g. investment choice, contributions, withdrawals, accumulation accounts, defined benefit account, self-managed super fund)
- Non-super investment advice (e.g. managed funds, shares, property)
- Pre-retirement pension advice (e.g. transition to retirement)
- Post-retirement advice (e.g. account-based pensions, annuities, lifetime pensions)
- Insurance advice and claims (e.g. death, TPD, income protection, trauma)
- Estate planning advice
- Debt, lending and credit facilities
- Implementation of the above.
What types of fixed term or ongoing advice services can and cannot be paid from an AustralianSuper account?
For fixed term or ongoing advice services, any advice services provided during the agreed service period that relates to the member’s AustralianSuper account, can be paid from their AustralianSuper account, such as:
- Personal advice (Statement of Advice or Record of Advice)
- Review meeting(s)
- Administrative support and implementation services
- Investment portfolio updates.
Any fixed term or ongoing advice services provided during the agreed service period, that do not relate to the member’s AustralianSuper account, cannot be paid from their AustralianSuper account, such as:
- Personal advice relating to the member’s property holdings or other non AustralianSuper investments.
- Review meeting(s)
- Administrative support and implementation services
- Investment portfolio updates
- Other services (e.g. newsletters, invitations to events, access to the adviser).
Can the member pay an advice fee from their AustralianSuper account if some of the services provided did not relate to their AustralianSuper account?
No, the member cannot pay advice fees from an AustralianSuper account for services that:
- don’t relate to their AustralianSuper account (such as non-super investments, advice about loans); or
- relate to someone else (such as their spouse or partner), even if the other person is an AustralianSuper member.
Only the portion of the one-off, the fixed term or ongoing advice fee that relates to their AustralianSuper account can be paid from their AustralianSuper account.
Can the member pay an advice fee from their AustralianSuper account if some of the services provided related to their partner?
No. The member cannot pay advice fees from an AustralianSuper account for services that:
- don’t relate to their AustralianSuper account; or
- relate to someone else (such as their spouse or partner), even if the other person is an AustralianSuper member.
Only the portion of the one-off, the fixed term or ongoing advice fee that relates to their AustralianSuper account can be paid from their AustralianSuper account.
I have an ongoing fee arrangement with my client where I provide them with ongoing financial services. Can the fee be paid from their AustralianSuper account?
Yes. An ongoing advice fee can be deducted from the member’s AustralianSuper account for an ongoing fee arrangement of more than 12 months.

However, for ongoing advice fees, AustralianSuper:
- will only allow up to 12 months of the advice fees for this arrangement to be paid from a member’s account,
- will require a new Paying an advice fee form each time the ongoing fee arrangement is renewed, and
- will not process the request if the member’s nominated account is a Super (Accumulation) account and all or part of that account is invested in AustralianSuper’s Balanced (MySuper) option.

Advice fee types

What types of fees can be deducted from an AustralianSuper account?
One-off, fixed term and ongoing advice fees can be deducted from the member’s AustralianSuper account, with some important exceptions.

Only the portion of the total advice fee that relates directly to AustralianSuper account(s) can be deducted from the member’s nominated account.

You cannot request a fee to be deducted from a member’s AustralianSuper account(s) for advice, if it’s:
- not related to member’s AustralianSuper account(s), or
- related to another member or non-member, including a spouse, or
- related to an ongoing advice fee where the member’s nominated account is a Super (Accumulation) account and all or part of that account is invested in AustralianSuper’s Balanced (MySuper) option, or
- from an account where the advice fee will reduce the balance of the member’s account below $15,000 at the time of the fee request.
What is a one-off advice fee?

It is an advice fee for a one-off service where you have provided a Statement of Advice (or Record of Advice) to the member.
What is a fixed term advice fee?

It is an advice fee for a non-ongoing fee arrangement where you and the member have agreed to a service arrangement for a period of 12 months or less.
What is an ongoing advice fee?

It’s an advice fee for an ongoing arrangement of more than 12 months.

AustralianSuper only allows up to 12 months of the advice fees for this arrangement to be paid from your client’s account and requires a new Paying an advice fee form each time an ongoing fee arrangement is renewed.

Where your client’s nominated account for the ongoing advice fee deduction is their AustralianSuper (Accumulation) account, and all or part of that account is invested in the Balanced (MySuper) option, AustralianSuper cannot process the request.
What is the service period ‘start date’ for an ongoing advice fee?
For a new ongoing fee arrangement:

The start date is the day the arrangement was entered into.

For a renewal of an ongoing fee arrangement:

The start date is:
- if the arrangement was entered into before 10 January 2025, and
  - this renewal is before 10 January 2025 – the Anniversary day, or
  - this is the first renewal on or after 10 January 2025 – the Anniversary day,
- for any other renewal – the reference date applicable to the ongoing fee arrangement consent that most recently ceased.
What is the ‘end date’ for an ongoing advice fee?

This is the day before the next reference date.
What is the next ‘reference date’ for an ongoing advice fee?

The next reference date can be any day after the service period start date, but no later than the anniversary of the service period start date.

Note: The next reference date is the date specified as such in the current ongoing fee arrangement consent that the member has given to you. If no next reference date has been specified in that consent, the next reference date will be the anniversary of the service period start date.
What is the ‘anniversary’ day for an ongoing fee arrangement?

It is the anniversary of the day on which the ongoing fee arrangement was entered into.

Advice fee form completion

How do I complete a Paying an advice fee form?
As part of the Delivering Better Financial Outcomes (DBFO) package, AustralianSuper has updated the Paying an advice fee forms and the process for completing them. The previous PDF forms are no longer available on the Adviser resources webpage. The Advice Fee form must now be completed online through the Adviser Portal, with step-by-step guidance to make it an easy process.

By completing the Advice Fee form online via the portal, your inputs will be validated for accuracy as you complete the form. This will reduce the potential for any errors, before you print the form for your client’s consent, so we can process the submission faster and you’ll receive your fee payment sooner.

Advisers can access the Advice Fee form via the Adviser Portal:
1. For new clients that do not already exist in the Adviser Portal, use the link at the top of the screen.
2. For existing clients that are in your client list, access the form through the client record.
Note: There is no change to how the form should be completed and submitted, including the requirement to provide your client’s certified ID and having the printed form signed by the client.

For more information, please refer to the Frequently Asked Questions (FAQs) in the Adviser Portal Support tab.
What are the requirements for certified ID when submitting with the Paying an advice fee form?
If you’re certifying the ID in your role as financial adviser, the certification must:
1. Be easy to read
2. Include your full name and occupation e.g. financial adviser
3. Include your ASIC Authorised Representative or AFSL number
4. Be signed by you
5. Show the date of certification, which must be within the last 12 months.
Take a look at our Guide to providing proof of your identity fact sheet for more information.

Please note: electronic verification is not available for certified ID submitted with the Paying an advice fee form.
Do I need to outline the services I provide in the one-off, fixed term and ongoing fee sections of the form?
Yes, you’ll need to select all the service(s) provided. We need this information to ensure that we only deduct advice fees that relate to the member’s AustralianSuper account. A member cannot pay fees to their financial adviser from their AustralianSuper account for services that:
- don’t relate to their AustralianSuper account (such as non-super investments, advice about loans), or
- relate to someone else (such as their spouse or partner), even if they are an AustralianSuper member.
If the advice services section is not completed, the fee request will be rejected.
Do I need to complete all the sections in the fee form?

All relevant sections of the Paying an advice fee form must be completed in full and correctly signed by both the member and the adviser.
Why does AustralianSuper sometimes request further information or documentation about the advice fee before it is processed?

As a Trustee, AustralianSuper has an obligation to always act in the member’s best interest. This ensures advice fees deducted from a member’s account are both appropriate and, in the member’s, best interests. The Trustee must also comply with the sole purpose test (SIS Act) and take reasonable steps to ensure advice fees are only deducted for advice that relates to the member’s interest in AustralianSuper.
Can I use digital signatures on the Paying an advice fee form?
Yes. However, please ensure:
- You provide a digital signature certificate / audit report as verification that the member has signed the form. If a digital signature certificate / audit report is unable to be produced, our Adviser Services team will need to contact the member; and
- You have used the email address nominated on the member’s account.
You can find further information in our Forms accepted by email fact sheet.
Can Paying an advice fee forms be accepted if either the adviser or member signs in the wrong signature field?

No. A new form will be required to be correctly signed to ensure we have the proper consents and declarations from the member and the adviser.
When submitting the Paying an advice fee form, can an editable version be submitted?

No. The form must be submitted as a non-editable form.
What happens with the fee form if I change licensee?

We will pay the advice fees to the Licensee named on the fee form, until we become aware that the adviser has changed licensees. Once we are aware, we will liaise with the adviser to determine next steps depending on the advice fee type, the date of licensee change and the fee payment status.

Advice fee amount

What is the standard advice fee cap?
The total advice fee deduction requests allowed to be submitted within a rolling 12-month period for a member cannot exceed the lower of (GST inclusive):
- $5,500; or
- 2.50% of the combined balances of the member’s AustralianSuper accounts at the time of the deduction.
In addition, if an advice fee request will cause the member’s account balance to fall below $15,000, the advice fee will not be processed.
Who does the standard advice fee cap apply to?

The standard advice fee cap applies to advice fees charged through AustralianSuper member accounts.
How do I work out how much of the advice fee is related to the member’s AustralianSuper account and how much it isn’t?

You should refer to your Licensee Compliance team or Licensee Policies and Guidelines on the Sole Purpose test.
Is there a minimum balance the member must have in their superannuation account to deduct an advice fee?

Yes, the advice fee cannot be deducted from an account where the advice fee will reduce the balance of the member’s account to below $15,000 at the time of the fee request.
Why isn’t my client’s Member Direct monthly or quarterly fee adding up to exactly the annual amount on the signed fee payment request?

Member Direct monthly or quarterly fees are charged based on the number of days in the specific monthly or quarterly deduction. Over the 12 months, the exact requested fee amount will have been deducted.

Example:

If your client has approved a $1,200 annual advice fee, the monthly amount deducted from their account for January will be ($1,200/365) x 31 days in January = $101.92.

For February, it would by ($1,200/365) x 28 = $92.05.

Advice fee consent

Can members withdraw their consent and, if so, how?

Members can withdraw their consent to the deduction of advice fees at any time before the fee has been deducted from their account. To withdraw consent, they need to contact AustralianSuper on 1300 362 453 9am-5pm (AEST/AEDT) weekdays, or email adviserservices@australiansuper.com
If the submitted form has both a one-off advice fee, a fixed term fee or an ongoing advice fee, can a member withdraw their consent on one fee and leave the others?

No. Any withdrawal of consent will apply to all fees on the Paying an advice fee form. However, you and the member can agree to submit another form later to reinstate the fee you want to be paid from their AustralianSuper account.
Can the AustralianSuper Paying an advice fee form replace the consent that I need to have with my client?

No. Advisers should have their own agreement in place as the AustralianSuper Paying an advice fee form only relates to the deduction of advice fees from your client’s AustralianSuper account - fees and services that relate to your client’s AustralianSuper account.
Can you accept client consent or any changes to the advice fees by a confirmation email from the member?

No. We won’t accept a member agreeing to the fees in an email. The Trustee needs to see evidence that the member has signed the Paying an advice fee form by web, electronic or digital signature via programs like DocuSign or Adobe.
Do I need to notify AustralianSuper if the member withdraws their consent?

Yes. You need to notify AustralianSuper if the member has withdrawn their consent to the deduction of advice fees. For one-off or fixed term advice fees, you must notify AustralianSuper at any time before the fee has been deducted from the member’s account. For ongoing advice fees, you must notify AustralianSuper within 10 business days of receiving the member’s written notice to withdraw or vary their consent. For any changes to consent, you need to contact AustralianSuper on 1300 362 453 9am-5pm (AEST/AEDT) weekdays, or email adviserservices@australiansuper.com

Advice fee reviews

What are Advice Fee Reviews?
As part of our trustee obligations under the SIS Act, AustralianSuper is required to have appropriate oversight of advice fee deductions.

In particular, trustees are required to have appropriate controls to ensure that:
- members are receiving the advice services for which they’ve paid the advice fee from their AustralianSuper account; and
- the advice services provided aligns with the information provided on the Paying an Advice fee form and the advice fee is consistent with the Sole Purpose Test.
AustralianSuper on a random and risk basis may request an adviser to provide documents to validate the above.
On what basis is AustralianSuper making this request?

As part of our trustee obligations under the SIS Act, AustralianSuper is required to have appropriate oversight of advice fee deductions.

The request for you to provide this documentation is in line with the general obligation in your Licensee and Adviser Registration Agreement (LARA). The request is also aligned with the terms agreed to in the signed Paying an advice fee form.
When do the documents need to be provided by?

We request that you provide the relevant documents within 10 business days of the initial request.
How do I provide documents to AustralianSuper?

For data and security purposes, you must only provide the documents via the AustralianSuper Citrix platform ShareFile as this will ensure documents are provided securely to AustralianSuper.
Can documents be provided via email?

No. As the documents contain personal information, for data security purposes they must not be provided via email. Documents must only be provided via the AustralianSuper Citrix ShareFile platform.
What happens to the documents after the Advice Fee Review is completed?

After the review is completed, the documents will be deleted from AustralianSuper systems and we will have no way to access the documents again.
How are advice fees selected for review?

Advisers and/or advice fees are selected on a random and risk basis.
What advice services can be charged to a member’s AustralianSuper account(s)?
The guiding principle when assessing for compliance to the Sole Purpose Test is the advice fee can only be deducted from a member’s account for the portion of the advice services that are directly connected to the member’s interest in AustralianSuper.

The following areas of advice are examples considered to be directly connected to the member’s interest in AustralianSuper:
- establishment of an AustralianSuper account (accumulation and pension);
- investment strategy within an AustralianSuper account;
- contributions to an AustralianSuper account;
- withdrawals from an AustralianSuper account;
- income payments from an AustralianSuper account;
- account consolidation and rollovers to an AustralianSuper account (include product research to determine suitability of AustralianSuper);
- retirement income planning where it relates to an AustralianSuper account;
- insurance (Life, TPD, Terminal Illness and Income Protection) connected to an AustralianSuper account (include product research to determine the suitability);
- death benefit nominations (binding, non-binding and reversionary beneficiary nominations) for an AustralianSuper accumulation or pension account;
- advice implementation services associated with an AustralianSuper account; and
- ongoing review and advice in relation to an AustralianSuper account for a 12-month period
Please note this is not an exhaustive list and should only be used as a guide.
What types of advice fees can’t be deducted from a members AustralianSuper account(s)?

The cost of any advice provided to a member which is outside the member’s interest in AustralianSuper cannot be paid from their AustralianSuper account and must be paid for by other means. For example, fees for advice in relation to managed funds, the establishment of an annuity or debt consolidation cannot be deducted from a member’s AustralianSuper account.

Where advice being provided to a member is in relation to both their AustralianSuper account and an external superannuation account, the advice fees must also be apportioned accordingly. Only the portion of the advice fee relating to the advice about the member’s interest in AustralianSuper can be deducted from their AustralianSuper account.

Where a financial adviser is providing implementation (or execution) only services to a member (i.e. no advice), the relevant fees cannot be deducted from the member’s AustralianSuper account.
When should advice fees be apportioned?
If an adviser provides advice services that aren’t directly connected to a client’s AustralianSuper interest, then this portion of the advice fee must be set aside as a stand-alone fee and paid from alternative means (e.g. from the client’s personal funds).

The advice fees should be apportioned when the advice relates to:
- the client’s partner/spouse or another individual
- a financial product that is not AustralianSuper
- a strategy that is not connected to the client’s interest in AustralianSuper
Will I be informed of the review outcome?
Yes, you’ll be provided with the review outcome, which will either be:
- Satisfactory with no further action required.
- Not Satisfactory with commentary on the reason why and actions that AustralianSuper plans to undertake.
What information will I need to provide for Advice Fee Reviews?
AustralianSuper will communicate directly with advisers when requesting documents to conduct our Advice Fee Reviews. This communication will detail the advice fee payment being reviewed, the information being requested, and how the information is to be provided securely.

We are respectful of members’ privacy and will only require the relevant sections from documents to confirm the advice services have been provided and the advice fee deduction complies with the sole purpose test.

These documents may include, but are not limited to:
- Relevant sections of the Statement of Advice (SOA) or Record of Advice (ROA)
  - Cover page
  - Table of contents
  - Overview of the recommendations
  - Product and advice fee sections
  - Client Acknowledgement and Authority to Proceed
- Service agreements for ongoing or fixed term advice fees
- Fee Disclosure Statements (FDS) for ongoing fee arrangements
- Confirmation of renewals for existing ongoing fee arrangements
What if the documents contain information about the member’s partner?

We request that before advisers provide us with the requested documentation, they de-identify the member’s partner by redacting their name, date of birth, signature, address, email address, phone number and employer.
What if the documents contain sensitive information about my clients?

We request that before advisers provide us with the requested documentation, they redact sensitive information about the member and their partner.

Sensitive information is defined as information or an opinion about an individual’s health, genetics, racial or ethnic origin, political opinions, membership of a political associations, religious or philosophical belief/affiliations, membership of trade union or trade/professional associations, sexual orientation or practices, criminal record and some aspects of biometric information.

Adviser Portal

General info

How do I get access to the Adviser Portal?

After your adviser registration has been processed, the Adviser Services team will send you details on how you can register for the Adviser Portal. Then, once you’ve registered, you’ll be able to log in to the adviser portal at adviser.australiansuper.com/login
What can I do on the Adviser Portal?
The adviser portal allows you to create new accumulation and account-based pension accounts (Choice Income or TTR Income) for your clients, plus view key information on your AustralianSuper clients’ accounts (both Accumulation & Choice Income) including:
- Current account balance (including benefit & withdrawal estimates)
- Contact details
- Extracting member transactions and upload them on to the XPLAN platform
- Concessional /Non-Concessional summary
  - Yearly concessional and non-concessional contribution totals are calculated and displayed under a client’s profile
- Generating a PDF copy of a Centrelink Schedule. Download the How to guide.
- Transactions from the past 3+ years
- Summary of investment balances and future investment allocations
- Insurances (if applicable)
- Nominated beneficiaries
- Extracting key information (e.g. transactions) into Excel for further analysis, or
- Extracting a Member Profile Report which presents all key information in a standard and professional format. Download the How to guide.
Note: You won’t be able to view a detailed breakdown of your client’s Member Direct investments via the Adviser Portal. There’s a separate portal for adviser access to Member Direct, or contact us at adviserservices@australiansuper.com for help.
Why can't I see all my clients on the Adviser Portal?

For your clients to be visible on the portal, there must be a valid client authority flagged to your client’s account.

You can email the completed authority to us, and within 72 hours, your client’s account details will be visible on the portal.

Note: All client authorities are valid for a maximum of three years (unless an earlier expiry date is stated on the authority or at the client’s request). When the expiry date is reached, your client’s account details will automatically be removed from the portal view.
How do I remove a client from the Adviser Portal?

If your client wants to revoke your authority/access to their account details, you can get in touch with us at adviserservices@australiansuper.com to let us know. Alternatively, your client can ring the AustralianSuper contact centre directly on 1300 300 273.

Support staff access

What is support staff access?

Support staff access is particularly useful for financial advisers that work as part of a team with support staff. This functionality allows advisers to set up support staff access in the Adviser Portal to transact and manage clients on their behalf.
Why set up support staff access?
Support staff access allows advisers to delegate work more efficiently in their business. It’s also a more secure way for support staff to use the portal.

By using support staff access, advisers can:
- Create and remove support staff in the portal.
- Enable support staff to complete most tasks with their own login details.
- Approve or reject applications that their support staff have started on their behalf.
What can support staff do in the Adviser Portal?
In the Adviser Portal, support staff can:
- View and download client profiles on advisers’ behalf.
- Create new Choice Income and TTR Income accounts and submit these for approval. This will trigger an email to the linked adviser to review the form. Advisers will have the option to reject or approve the application.
- Complete, download and print Advice Fee forms with the linked adviser.
What can’t support staff do in the Adviser Portal?
Support staff can’t:
- Complete whole applications from start to finish. These will need to be approved by linked advisers or selected Public Trustee officers.
- Create, disable, suspend or remove access of another support staff.
- Create/remove a direct relationship with a particular adviser/public trustee officer.
- Approve or reject an application form.
- Print support staff details into an Advice Fee Form. The details printed in the Advice Fee Form will be the details of the adviser/public trustee officer selected.
How do I create support staff in the Adviser Portal?
Setting up and managing support staff access in the portal is easy. You can do so in 3 simple steps.
1. Click your profile name in the portal and then ‘Manage practice’.
2. Click on the button ‘Create support staff’.
3. Fill in the details and click ‘Confirm’. Your support staff will receive email instructions on how to register.
Who are linked advisers?

Linked advisers are those advisers that have a direct relationship with support staff. When support staff log into the portal, they will be able to view clients for all linked advisers. They will also be able to submit applications and forms to linked advisers for their approval.
How do advisers link support staff to their profile?
Support staff are linked to advisers’ profiles once created in the Adviser Portal. Working as part of a multi-adviser practice, sometimes advisers may need to link other support staff from the office, for example, those created by another adviser. To do this:
1. Click your profile name in the portal and then ‘Manage practice’.
2. Click on the ‘Link support staff’ button.
3. Select from existing support staff from the drop-down menu and click ‘Confirm’.
I’ve created support staff in the portal, what are the next steps?

Once you’ve created support staff, they can expect to receive a welcome email after two hours. This email will contain information how they can log in.
How do I view forms that support staff have submitted?
To manage support staff submissions, please log into the Adviser Portal to review and either submit or reject applications. Follow the steps outlined below:
1. Log into the Adviser Portal
2. Click ‘View all applications’
3. Review the submitted applications
4. Select the appropriate action: Approve or Reject
5. If you approve the application, it will be sent for processing, and you will receive an email confirmation with a new member number. If you reject the application, it will be returned to your support staff team member.
My support staff is leaving the business, how do I change their access in the Adviser Portal?
You can remove your support staff’s access either temporarily or permanently in the Adviser Portal by:
1. Navigating to your profile name and clicking ‘Manage practice’
2. You’ll be able to see all the support staff listed under your practice and click on ‘view’ to manage individual support staff access.
3. To temporarily remove your support staff’s access, click ‘Suspend access’.
  
  When you want to switch this access on again, you can select ‘Resume link'. This will allow your support staff to submit applications and forms again.
  
  To permanently remove your support staff’s access from the portal, for example if they’ve left your company, you can do this by clicking ‘Disable support staff’.
Can I set up support staff access in Member Direct?

Currently support staff access is only available in the Adviser Portal and not yet available in Member Direct. We’re always looking for ways to enhance our technology.

Upload forms

Can I upload forms to the Adviser Portal?

Yes, you can scan and upload all forms to the adviser portal except for advice fee forms and Member Direct third-party authorities. Ensure the file size does not exceed 3MB per file. To submit advice fee forms and Member Direct third-party authorities, or if you have any issues uploading your forms to the portal, please email us at adviserservices@australiansuper.com
Are there any online forms on the Adviser Portal?

Yes, Accumulation, Choice Income and Transition to Retirement (TTR) join forms are available on the Adviser Portal as online join applications, designed for a quicker and easier join experience.
Where do I find the forms?

You’ll find our latest forms, fact sheets, PDSs (with join forms), guides and reports under the ‘All documents’ tab at the top of this page.

What should I note before uploading a form to the Adviser Portal?

You’ll need to log in to the adviser portal and go to the ‘Upload forms’ tab. Please ensure the file size does not exceed 3MB per file. If certified ID is required with your form, you can include it with the same form upload.
You’ll receive a confirmation email for each successful upload.
All forms can be uploaded in the portal except for advice fee forms and Member Direct third-party authorities.
To submit advice fee forms and Member Direct third-party authorities, or, if you have any issues uploading your forms to the portal, please email us at adviserservices@australiansuper.com
Upload/email client forms one at a time, except for the forms listed below, which can be submitted together.

Submit one at a time	Submit with a Join AustralianSuper form	Submit with an Open a Choice Income account/ Open a TTR Income account form
1265.1 - Apply for a payment 1265.4 - Pension request - full withdrawal 75359 - ATO request for rollover NAT 1288.3 - Pension request - partial withdrawal 1270.6 - Apply for a payment (Family Law) 1264.7 - Apply for a payment (compassionate grounds) 1264.8 - Apply for a payment (financial hardship)	Investment Choice – Superannuation account Binding death benefit nomination Combine your super into AustralianSuper Add to your super with after-tax contributions Can you add to super? (Work Test & Work Test Exemption declaration) Keep your AustralianSuper super accounts open	Binding death benefit nomination Combine your super into AustralianSuper (retirement account) Tax file number declaration formation

Insurance

Insurance pricing changes

From 28 September 2024 the cost of cover for most members decreased¹.

Whether you currently have clients insured through AustralianSuper² or they wish to apply for cover in the future, it’s important for you and them to be aware of these changes.

What’s changed and why

Our priority is to provide our members with value-for-money insurance cover. Each year we carefully review our insurance products and costs. Members only pay what it costs to provide the insurance to them. This helps us minimise increases to insurance costs, or even reduce costs, depending on previous years' claims.

From 28 September 2024 we provided the following weekly cost reductions to members for these types of cover³:

Death – an average decrease of 6%
Income Protection with a benefit payment period up to two years (for all waiting periods) – an average decrease of 15%
Income Protection with a benefit payment period up to five years and up to age 65 (for all waiting periods) – an average decrease of 18%
Total & Permanent Disablement (TPD) for members aged 48 to 64 – a decrease of between 0% and 15%.

Due to a rise in the number of TPD claims for members aged 15 to 47, members in this age range have had an increase in weekly costs between 2% and 31% depending on their age.

Insurance cover changes

Also from 28 September 2024, changes to AustralianSuper insurance cover terms and conditions came into effect. In summary:

Members with insurance can now make an election (at any time) to keep their cover, so it doesn’t stop if their super account becomes inactive. They’ll need to make this election before their account becomes inactive⁴.
For members who have completed a cover extension for some or all of their cover, their extension won’t end if they receive an employer super contribution in their super account.

You can find out more about these insurance changes at australiansuper.com/InsuranceMatters

How we’ve notified your clients

From 18 July 2024 and throughout August, all accumulation members received one of the following Significant Event Notices (SENs) via post or email.

(Please note that the 'with cover' version was available a little ahead of the 'no cover' version.) The SENs outline:

the new insurance costs
insurance cover changes
individual work ratings and how to apply to change them
help and access to advice.

The version of the SEN your client has received depends on whether they were insured with us at the time of distribution. Members in AustralianSuper Select have received tailored variations of these SENs.

Based on 87% of all insured members (excluding members in AustralianSuper Select) as at 30 April 2024 who received a decrease in insurance costs from 28 September 2024.

AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.

Excluding members in AustralianSuper Select. The exact amount of the decrease depends on the member’s age, individual work rating, benefit payment period and waiting period.

Inactive means you haven’t received any type of contribution or rollover into your super account for a continuous period of 16 months.

Calculators

Help your clients plan for the future with our easy-to-use tools and calculators.

view calculators

Insurance forms, PDSs and guides

View our latest insurance documents, updated with new insurance costs and information.

view now

AustralianSuper Member Direct

Do you have clients who want to choose where to invest their super or retirement income?

Visit our Member Direct page to see how our Member Direct investment option allows you to tailor your client’s portfolio.

Setting up a Member Direct account

Before setting up a Member Direct account, your client will need to have an AustralianSuper accumulation or pension account, then register for online access to their account to the Member Portal. Both you and your client can then follow these steps to set up their Member Direct account.
Interest rates on Cash account and Term Deposits
View the current interest rates for the Cash account and Term Deposits in the Member Direct investment option.

Please note:
- Rates shown are gross of applicable tax
- The cut-off time to request an investment in a term deposit is 11.59pm on Thursday.
- Investments in term deposits are generally made weekly on a Friday.
For more information refer to the Member Direct Guide and the Terms and Conditions which are available at australiansuper.com/MemberDirect.

Our Adviser Services team

Our Adviser Services team includes our Adviser Services Managers, a dedicated group of experienced financial services professionals. They can support you with administrative, product or process queries you may have while working with us.

Our Business Development team

Our Business Development team are Fund and product experts, who are dedicated to developing and maintaining strong, long-term relationships with external licensees and financial advisers. They’ll work with you to ensure you have the right information, tools and support to grow your clients’ savings for a better future.

Meet our Business Development team

Tim Berkman
Manager, Business Development (QLD & NT)

Phone: 0402 929 972
Email: tberkman@australiansuper.com

Joining AustralianSuper in 2010, Tim previously spent eight years with BT and Rothschild. Tim’s role at the Fund involves building adviser and licensee relationships across Queensland and the Northern Territory. His focus is on growing the adviser channel and supporting licensees and advisers in their work with AustralianSuper.

Nikki Spiers
Business Development Manager (VIC & WA)

Phone: 0429 203 789
Email: NSpiers@australiansuper.com

Nikki joined AustralianSuper in 2017 after working for 18 years at a major dealer group as Practice and Recruitment Manager. Prior to this, she worked as a Certified Financial Planner and is a member of CPA Australia. She’s responsible for providing support on our products and services to our external advisers and licensees throughout Victoria and Western Australia.

Claire Phillips
Business Development Manager (NSW)

Phone: 0424 970 353
Email: cphillips@australiansuper.com

Claire joined AustralianSuper in February 2020 and is the key contact for external advisers and licensees in the NSW North Shore, Far North Coast, Central Coast and Newcastle regions, providing support on our products and services.

Claire has worked in financial services for 15 years in Australia and overseas and spent the past nine years working with financial planners. Prior to joining the Fund, Claire held previous Business Development roles at a number of Australia’s largest financial institutions.

Ile Petroski
Business Development Manager (NSW & ACT)

Phone: 0416 278 746
Email: IPetroski@australiansuper.com

Ile joined AustralianSuper in 2018 and is a contact for external advisers and licensees, providing support on our products and services. He is the key contact within the Sydney CBD and metropolitan areas including East, West and South Sydney regions, as well as Central West, Southern Highlands, Riverina and ACT. He was previously at Vanguard Investments working in their Adviser Distribution team, and prior to that, at Colonial First State working across a number of adviser facing roles.

Ben Thompson
Business Development Manager (QLD)

Phone: 0439 021 385
Email: bthompson@australiansuper.com

Ben has over 21 years of experience in the financial services sector, working across banking, financial advice and superannuation. He has been with AustralianSuper since 2016 working initially as a comprehensive financial planner, then Education Manager and now in his current role as a Business Development Manager.

Peter Bekavac
Adviser Account Manager (Australia-wide)

Phone: 0417 573 112
Email: pbekavac@australiansuper.com

Peter has over 20 years’ experience in financial services. He has been with AustralianSuper since 2011 and was a foundation member of the Fund’s external advice channel. Prior to joining AustralianSuper he worked for one of Australia’s largest superannuation administrators, Link Group. With his broad skill set, Peter’s focus is to provide quality training and support on AustralianSuper’s products and services to advisers and support staff.

Adviser resources

Welcome

Latest news

Open super accounts online

Choice Income online join via Adviser Portal

Introduction of non-lapsing binding nominations

Submitting third party authorities

Get your admin processed faster

Identification requirements

Paying an advice fee form change

1

Consider tax deductions

2

Withdrawal from accumulation account

2

Withdrawal from TTR Income/Choice Income account

3

Recontribution type

4

Open Personal Plan accumulation account

5

Investment choice

6

Recontribute the money into the accumulation account as a tax-free non-concessional contribution

7

Optional: Open Choice Income account