FAQs - Mobile app

The AustralianSuper app is now more personalised and user-friendly, with all your favourite features.

• View key information in one place with the enhanced dashboard.
• Check statements and transactions spanning the last five years.
• Top up your super via Direct Debit or BPAY.
• Save your bank details and make contributions with ease.
• Monitor your contribution caps.
• See your latest super guarantee from your employer.
• Track when your next income payments are due.
• Update your contact details and manage your communication preferences.
• Set up a PIN, Face ID or Touch ID/Fingerprint if your device supports it.
• Access information about investment options before making such a switch.
• Manage your insurance.
• Add or update your beneficiaries.
• Chat with us for any queries you might have.

What’s not in the app

At this time, the following services are not available through the app. They can be done with ease on the website instead.

• Withdrawals
• Changing bank details
• Updating income payment schedule

Getting started with the app is easy. Follow these simple steps:

• Download the app from App Store or Google Play.
• If you haven’t already, set up your username and password to access your account.
• Open the app, enter your username and password.
• For extra security set up a PIN, Face ID or Touch ID/Fingerprint if your device supports it.
• Set up notifications.
• Check and update your contact details.
• Keep the app updated to access all new and secure features.

No funds in your account?

If you’ve just opened a pension account, funds will be in within 5 days.

If you have an accumulation account, you can fund your account in the following ways:

• Share your super account details with your employer to start receiving super payments.
• Make a contribution¹ using direct debit, usually processed in two days.
• Consider consolidating your super².

¹ Before adding to your super, consider your financial circumstances, contribution caps that may apply, and tax issues. We recommend you consider seeking financial advice.
² Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

At AustralianSuper, your protection is our priority. Our app offers tools and features designed to keep you safe, including:

• Biometrics like Face ID and Touch ID/Fingerprint unlock to securely log in to the app.
• Two-factor authentication when you change your contact details.
• Encryption and secure storage of bank details.

How we protect your information

The AustralianSuper mobile app dashboard lets you track your super and pension performance over the last five years, from the palm of your hand.

• With interactive performance graphs that give a summary of each financial year
• Now you can compare investments, balance and transactions over time
• Enjoy playful, elegant interactions that offer valuable information and insights

The estimated account balance is a calculation of the balance of your account at today’s date, and includes:

• All contributions that we’ve received and allocated
• Fees, charges and taxes that have been deducted from your account
• Estimated returns, which are calculated by applying the daily crediting rates to the balance of your account since the time investment returns were last applied
• Estimated value of the Member Direct³ option, which is calculated by multiplying (the number of shares held) x (the share price at the date the current estimate is being performed)

Some transactions may not be reflected. For example, if you’ve made a contribution recently, we may not have received and allocated it to your account yet. Deductions for taxes, and fees and costs may not be up-to-date. Transactions and values are estimates and will be confirmed in your annual member statement or an exit statement if you close your account.

View the latest crediting rates. These rates are updated daily.

³ Member Direct Member Direct is an investment option that offers eligible members greater control and choice in the investment of their super or retirement income, enabling them to invest in shares, Exchange Traded Funds, Listed Investment Companies and term deposits.

To be eligible to invest in the Member Direct investment option you must be a current AustralianSuper member, have an online account with AustralianSuper, and have a minimum account balance in either super (of $10,000) or Choice Income (of $50,000).

Learn more about Member Direct

The app lets you make an investment switch and gives you access to a range of investment options.

• Easily view your current investment choices
• Get access to what AustralianSuper invests in and why
• View your total investment returns since you joined
• View your estimated returns for this financial year
• If you want to, you can also manage your investments yourself through Member Direct

Your actual returns are calculated and applied (credited or debited) to your account as follows:

• As at 30 June each year
• When you switch between investment options or invest in the Member Direct option
• When you withdraw or transfer out of the fund
• When you transfer funds between AustralianSuper super (accumulation), TTR Income and Choice Income accounts

Estimated returns are the investment returns on your account and are based on your opening balance plus contributions received, payments made, and fees, charges and taxes that have been deducted from your account.

Deductions for taxes, and fees and costs such as insurance and administration fees may not be up-to-date. Returns have been calculated at today’s date based on the daily crediting rates since returns were last applied, up to the latest applied daily crediting rates. An interim crediting rate of zero (0%) has been used for the days since the last applied daily crediting rates and today’s rate.

Estimated returns may vary up or down in line with investment market fluctuations and does not include any Member Direct returns. An estimate of your returns in included in your estimated balance.

Please read more about AustralianSuper's how crediting rates work, investment switching and how we calculate returns.

You can now track your super with ease, make extra contributions, and share account details with your employer.

• Top up your super anytime by making after-tax contributions through the app using your bank account details or BPAY^®4
• Receive Superannuation Guarantee (SG) contributions from your employer. Simply provide your employer’s or payroll email to us via the app, and we’ll send them your super account details
• If you want to consolidate/combine² your super, complete the Combine your super form available through the app
• Monitor contribution caps. We will alert you when you’re getting close to your contribution caps. Please note, contributions made to other super funds will also count toward your contribution caps, and are not included in the AustralianSuper contribution caps information/alerts. Please ensure you track your overall contribution caps.

Important info
Your employer is not liable for the performance of the super fund you or your employer have nominated.
Your employer is only required to accept one choice of fund from you in a 12-month period, however they may choose to accept more. Your employer has 2 months after you return this form to them to action your request. Any money you have in existing funds will remain there unless you arrange to transfer it (roll it over) to another fund. Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. (Your employer cannot do this for you).
If you quote your TFN to your employer for super purposes, they must provide it to the super fund.

² Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.
⁴ BPAY Pty Ltd - ABN 69 079 137 518)