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Roll in super

Not combining your super funds means you’re throwing money away

‘Rolling in’ or combining your other super funds into your First Super account is also known as ‘consolidation’.

Having more than one super account means you’re literally throwing away hundreds of dollars every year. Over your working life this can add up to tens of thousands of dollars wasted. That’s just crazy!

Why? Because every super account is charging you fees and other charges, for example administration or insurance fees.

You wouldn’t pay for your groceries more than once, so why pay multiple account fees? All that extra money could be dramatically boosting your hard-earned retirement savings!


  • You save on fees – one account means one set of fees
  • All your super is together benefiting from compounding interest and a single investment strategy
  • You don’t lose track of your super
  • It’s easier to manage your super – less paperwork, fewer passwords!


  • if you will lose any insurance benefits
  • if any fees may apply (e.g. exit fees)
  • if it is a defined benefit account.


Combine all your funds into one account and start boosting your super today. It’s quick and simple.

Log in to firstonline Member portal. Go to ‘My Transactions’ and select ‘Roll in your super’ to start the process.



If you have any questions about rolling in your super from another fund, or general queries about your super, contact our Member Services Team on 1300 360 988 or email us


Do I have to transfer any ATO-held super found from the ATO to another super fund?

It’s your choice, but it’s worth knowing that although you don’t pay any fees on ATO-held amounts, you don’t have and can’t get insurance with that option.

Also, you can’t plan an investment strategy or manage asset allocations based on your particular circumstances. And, importantly, the only investment return you receive is interest paid at a level based on CPI.

In most cases, any lost super held by the ATO will automatically be added to your First Super account. Whereas with extra super in other funds, you have options about what happens to those amounts.

If I transfer super from the ATO does it have to go to First Super?

No. You can transfer your super to any super fund. However, you can start the process for a transfer to First Super immediately. Choosing to transfer to another fund will mean you have to get in touch with that fund and follow its process.

If I transfer my super to First Super, what’s in it for me?

Although we can help you transfer other balances to First Super, you are under no obligation to do so. You can transfer your super to any fund you choose.

As a First Super member, we work in your best interests, and our main aim is for you to be aware of the benefits of consolidating other balances into one fund.

Whichever fund you choose to roll into, the potential benefits include one or more of the following:

  • One set of fees, so less being paid out of your savings
  • Improved long-term returns
  • An investment strategy that’s easier to track and manage
  • Less paperwork
  • Improved insurance options and availability.

The advantage of a transfer to First Super is that we can start the process straightaway, so you’d start seeing the benefits more quickly.

Our process is electronic, so if you do decide to go ahead, the additional super should be in your account within 4 days. If you decide to roll into another fund, then you’ll have to contact them and go through their consolidation process.

Are there any negatives in transferring to a single fund or any potential issues I need to be aware of?

There are some important things to think about before you consolidate your super.

You should compare things like fees, insurance, exit fees for the funds you are leaving, and also any investment or tax implications.

If you need advice on whether rolling in other funds to a single fund is the best thing for you, then you can speak to your own financial adviser, or a First Super Financial Planner.

I’d like to go ahead with the roll-in – what happens next?

The process for transferring your funds out of the other fund(s) and rolling into First Super is straightforward, but they may need to check some details with you.

Usually, First Super will get the funds into your account within 4 days, and we send you confirmation when this has occurred.

If you have not heard anything in the next 10 days or so, please call us. It may be the case that you need to contact the other fund to see why your request has not been completed.