Frequently Asked Questions

What details do I need to give to my employer?

You will need to provide your employer with:
  • Your Student Super member number which you can find by logging into your account
  • Our USI/SPIN: 43 905 581 638 021
  • Our ABN: 43 905 581 638
You can find all these details on the pre-filled super choice form which you can download from our ‘Tell My Employer’ or Docs & forms page.

How do I transfer previous super accounts or lost super to Student Super?

If you have added your TFN to your Student Super account, you will be able to use the 'Find or combine my super' feature.
The 'Find or combine my super' feature uses data from the ATO to search for any previous or lost super accounts. It also gives you the option to combine these accounts into your Student Super account.
Alternatively, you can find your lost, active and inactive super through your MyGov account if it’s linked with the ATO.
Please note that super funds are only required to report to the ATO once every 12 months. So, if your previous super account was made within that time and it's not showing in the results, contact our team at hello@studentsuper.com.au and we can help you with alternative methods.

How do I fill out the ATO’s super choice form?

To start, you’ll need to tick “My existing super fund”. Then, you can complete Section B of the form.
If you are completing an older version of the ATO super choice form, you will need to tick that first box as Student Super is an APRA regulated fund.
You can find your member number by logging in to your Student Super account.
Pro tip: We’ve created an easy pre-filled version of the ATO Super Choice Form.
You can log into your account, and go to ‘Tell My Employer’ and email yourself or your employer a copy.
If you are filling in the form by hand, you’ll also need the following details:
  • Fund ABN: 43 905 581 638
  • Fund name: Student Super Professional Super
  • Fund address: GPO BOX 4344 Melbourne VIC 3001
  • Phone: 1300 646 960
  • Unique Superannuation Identifier (USI): 43 905 581 638 021
If you would like further help completing the form, see our learning hub post about this here :)

Where can I find my member number?

You can find your member number by logging in to your Student Super account, or by referring to the pre-filled super choice form attached to your ‘Welcome Email’.

How much super should my boss pay me?

Your boss must pay you a minimum of 11.5%* of your ordinary time earnings (OTE) if you are aged 18 or older. Ordinary time earnings include your regular income, bonuses, commissions and loadings.
If you’d like to learn more about superannuation, you can check out our student’s guide to understanding super.
*This increased from 11% on 1 July 2024.

Where can I find the Letter of Compliance?

You can find a copy attached to your ‘Welcome Email’, or you can head to our Docs & forms page and download it from there.

Why is my balance zero when I have super on my payslip?

When you see super on your payslip, unlike your wages, it does not necessarily mean that it’s been paid.
The super you see on your payslip is the amount of super you have earned for that particular pay period.
Your employer can choose how often they pay super you super (e.g. fortnightly, monthly etc.), it doesn’t have to be paid at the same time as your wages.
By law, your employer is required to make a payment at least every 3 months. You can ask your employer how often they pay super to get a better idea of when to expect your super payments.
Student Super will send you an SMS and email reminder every time you receive a contribution!
See the table below for the break-down of the quarterly periods and when the payment is due.
PeriodDue Date
1 January - 31 March
28 April
1 April - 30 June
28 July
1 July - 30 September
28 October
1 October - 31 December
28 January
For example, if you have a payslip showing super for the period 10-17 July, your employer doesn’t need to pay you for this amount until October 28.

Where can I find my super account details to give to my employer?

Pro tip: We’ve created easy pre-filled versions of the super choice form and the ATO Super Choice Form.
You can log into your account, and go to ‘Tell My Employer’ to download or email yourself a copy.
To help you fill out this form, our fund details are:
  • Fund name: Student Super Professional Super
  • Fund phone number: 1300 646 960
  • Australian Business Number: 43 905 581 638
  • Unique Superannuation Identifier (USI): 43 905 581 638 021
  • Fund address: GPO BOX 4344 Melbourne VIC 3001
  • You can find your member number by logging into your Student Super account.

Where can I find your ESA, BSB and account number?

It sounds like you might be filling out the ATO’s super choice form. But, you’ve selected the wrong type of fund - those details are only required for Self-Managed Super Funds (SMSF).
If you are a Student Super member, tick “My existing super fund” and you should complete Section B of the ATO super choice form.
If you are completing an older version of the ATO super choice form, you will need to tick that first box as Student Super is an APRA regulated fund.
To help you fill out this form, our fund details are:
  • Fund name: Student Super Professional Super
  • Fund phone number: 1300 646 960
  • Australian Business Number: 43 905 581 638
  • Unique Superannuation Identifier: 43 905 581 638 021
  • Fund address: GPO BOX 4344 Melbourne VIC 3001
  • You can find your member number by logging into your Student Super account.
We have written a step by step guide here

What’s Student Super’s SPIN?

Student Super’s SPIN is the same as our USI which is 43 905 581 638 021.

What is super?

Superannuation is money for your retirement. You accumulate super while you are working in order to provide you with an income in retirement.
If you are aged 18 or older, your employer is generally required to pay you 11.5% on top of your ordinary time earnings into a superannuation account. This increased from 11% on 1 July 2024.
If you’d like to learn more about superannuation, you can check out our student’s guide to understanding super.

What is SG?

SG stands for Superannuation Guarantee and is the super your employer is required to pay. This is currently 11.5% of your ordinary time earnings. This increased from 11% on 1 July 2024.

How long can it take for a contribution to be seen in my account?

Up to 5-10 business days.

What’s contributions tax?

The government takes contributions tax from all concessional (before-tax) super contributions, like employer contributions.
It’s a tax charged by the government, not a fee deducted by Student Super. It applies to every super fund and occurs each time a concessional contribution comes in.
You cannot opt-out of this tax or claim it back on your tax return.
If you have provided your TFN, the contributions tax rate is 15%.
If you earn below $37,000 you may be eligible for an automatic refund of some or all of your contributions tax. You can find out more about this under ‘Low Income Super Offset Tax’ on our government incentives page.

I’m not a student, can I be with Student Super?

Yes. You do not have to be a student to be part of our fund :)
We are called Student Super as our fund has been designed to protect members balances when they’re starting out with super. Our fee discounts help protect low balances, and we make it easy to get your super organised.
If you feel like our fund is right for you, head to our website and click on ‘Join Now’ to create an account.

My name on my account is wrong, what do I do?

If you have not added your TFN to your Student Super account and have a zero balance, go to ‘My Profile’ from the main menu of your account and you can update it there.
If you have provided us with your TFN and joined:
  • within 7 days, you can email us your ID and we can change it for you.
  • more than 7 days ago, we need you to post in a certified copy of your ID to our administrators. Please send it to the following address:
GPO BOX 4344 Melbourne VIC 3001
For more information on how to get your ID certified email us at hello@studentsuper.com.au.

What are Student Super’s fees?

We have an entire page dedicated to fees on our website here.

What are admin fees?

Admin fees are fees charged to cover the general costs of managing your account.

Why do you charge fees?

We charge fees to cover the general cost of managing your account and the investments we make on your behalf.

I can’t log into my account, can you help me?

We can help you with this! Please send us an email at hello@studentsuper.com.au. So we can locate your account, please let us know your:
  • Full name
  • Date of birth
  • Address and postcode
We will then be able to confirm the mobile number and email on your account so you can reset your password and login.

How can I change my password?

Please go to the Student Super login page and click on the 'forgotten your password' link. It will ask for your email, date of birth and mobile number. We will send you a code via SMS to reset your password.

How do I update my mobile number?

Our Member Services Team can help you with this. Send us an email at hello@studentsuper.com.au and we can update your mobile number for you.
So that we can locate your account and update your details, please send us an email with your:
  • Full name
  • Date of birth
  • Student Super member number
  • New mobile number
You can find your member number by logging in to your Student Super account, or by referring to the pre-filled super choice form which was attached to your ‘Welcome Email’.

How do I change my email address?

Simply log into your Student Super account, click on ‘My Profile’ in the main menu. From there you will be able to update your details.

How do I change my residential address?

Simply log into your Student Super account, click on ‘My Profile’ in the main menu. From there you will be able to update your details.

How do I add a beneficiary to my account?

You can add a beneficiary by filling out our ‘Beneficiary Nomination Form’. You can find this form on our Docs & forms page.
Once completed, please email the form back to us at hello@studentsuper.com.au and we will update this on your account for you.

I’ve changed my name, how do I update the name on my account?

To update your name, you will need to post us a certified copy of a document showing your old name and new name.
This can be a marriage certificate or change of name certificate. Please post the certified copy to our administrator:
GPO BOX 4344 Melbourne VIC 3001

How do I get a TFN?

You are able to apply for a TFN in four ways:
  1. Apply online if you have an Australian passport
  2. Applying at Australia Post
  3. Applying at Services Australia Centre
  4. Applying via Post
Check out our TFN page for more information on how to apply.
Get started today as it can take up to 28 days to receive your TFN after you’ve lodged your application. For online applications, you could receive your TFN immediately.
If you already have a TFN and can’t remember it, you can call the ATO on 13 28 61.

Where can I find my TFN?

Here are some places to check when searching for your TFN:
  • Login to your myGov account
  • Payment summaries from your employer
  • Lodged income tax returns (this is would be from the ATO)
  • Previous super statements
  • Ask your accountant
Or you can call the ATO, they will be able to help you locate your TFN.

How old do you have to be to have a super account?

There is no minimum age to have a super account.

At what age can you receive super contributions?

There are two types of super contributions; employer and member contributions.
Employer contributions are super guarantee payments.
You are eligible for super guarantee payments if you are over 18 and working. If you’re under 18 you need to work more than 30 hours a week to be eligible.
As a Student Super member, there are no age restrictions to joining the fund. This means that even if you’re not working, you can receive member contributions as long as you have an account and Tax File Number. Read more about getting a TFN on the ATO website.
Once you have a TFN, you can make or receive:
  • personal contributions
  • spouse contributions
  • contributions by parents, family or friends
  • government co-contributions

How do I set up a third party authority?

You can do this by logging into your account and going to My Profile. Under ‘Third party authority’, you can manage all your third party authorisations. You can view, add, delete, and edit.

What is third party authority?

Setting up Third Party Authority will give other people (like financial advisors, lawyers, family members) access to information about your super account.
You can allow the following people to receive information about your account:
  • Relative
  • Firm – it is important to know that if you nominate a firm, this allows any person that claims to act or represent the firm to access information about your account.
  • Legal representative
  • Financial planner – individual
Third parties can only access “read only” information, they are not able to make changes to your account.
To manage your third party authority, log into your super account and under My Profile, you will see ‘Third party authority’.

How do I delete or cancel a third party authority to my account?

You can do this by logging into your account and going to My Profile. Under ‘Third party authority’, you will be able to view all the people that have access to view your account information.
Click on the person/firm who you’d like to remove access for and select “delete authorisation” to remove them.

How do I nominate a Power of Attorney as my third party authority?

You can email a certified copy of a signed Power of Attorney to hello@studentsuper.com.au. The document must be current and the copy must be certified in the last three months prior to being received by the Fund.
This is how you can certify your document:
  1. Take a photocopy of the original document (e.g. your driver’s licence).
  2. Take both your original document and the photocopy to an authorised person who can certify them and
  3. Get the authorised person to stamp or write on each page of the photocopied document ‘I certify this to be a true copy of the document shown and reported to me as the original’, followed by their signature, full name, qualification, registration number (if applicable) and the date.
People who can certify your ID include:
  1. A teacher employed on a full-time basis at a school or tertiary education institution.
  2. A healthcare professional such as medical practitioner, nurse, pharmacist, dentist, optometrist, chiropractor, physiotherapist or psychologist.
  3. A justice of the peace.
  4. A police officer.
  5. A legal practitioner.
  6. A member of a professional accounting association.
  7. A permanent employee of Australia Post with two or more years of continuous service.

How do I give my parents or guardians access to information about my account?

You can do this by logging into your account and going to My Profile. Under ‘Third party authority’, you can add your parents/guardians’ details to give them third party authority.

I would like to get access to my child’s account, how can I set this up?

You can get access to information about your child’s account if they have provided you with third party authority access. They can do this by logging into their account and going to ‘My Profile’. Under ‘Third party authority’, they can add your details.

I received an email saying I left the fund, but I didn’t want to close my account. How can I keep my account open?

If your account was closed but you want to stay with Student Super, send us an email at hello@studentsuper.com.au and we can re-open your account.
If you transferred all your money to another super fund, your account with us would have been automatically closed.
If you want your super money back with Student Super, once we have re-created your account and you've added your TFN, you can use the 'Find or combine my super' feature. This will help you search for your other super accounts. Then, you can combine them back into Student Super.

Can I make an employer payment via BPAY or EFT?

No. Employer payments must be made via a solution that meets the SuperStream rules.
You can make a payment through:

My accounting software can’t find your super fund, how can I make a payment?

You will need to contact your software provider to ask them to add our super fund. All you will need to provide them with is our Letter of Compliance which you can find here.
Alternatively, if you have less than 20 employees, you can use the free ATO Small Business Clearing House to make super payments to your employee.
Remember that employees have the right to choose their own super fund. If they’ve asked to be paid into Student Super it’s important you facilitate this.

I’ve made a mistake paying an employee - how can I get a refund?

That’s no problem! Please email us at hello@studentsuper.com.au and our Member Services Team will send you our Refund Request Form. Once completed, please send it back to us so that we can refund the payment.

How do I certify my documents?

  1. Take a photocopy of the original document (e.g. your driver’s licence).
  2. Take both your original document and the photocopy to an authorised person who can certify them and
  3. Get the authorised person to stamp or write on each page of the photocopied document ‘I certify this to be a true copy of the document shown and reported to me as the original’, followed by their signature, full name, qualification, registration number (if applicable) and the date.
People who can certify your ID include:
  1. A teacher employed on a full-time basis at a school or tertiary education institution.
  2. A healthcare professional such as medical practitioner, nurse, pharmacist, dentist, optometrist, chiropractor, physiotherapist or psychologist.
  3. A justice of the peace.
  4. A police officer.
  5. A legal practitioner.
  6. A member of a professional accounting association.
  7. A permanent employee of Australia Post with two or more years of continuous service.

How can I access my money?

There are several ways you can access your super:
If you have reached preservation age
Preservation age is the age you can access your super when you are retiring, or transitioning to retirement.
Your preservation age will depend on when you were born and is between 55-60 years old. You can find the breakdown on the ATO’s website.
You can access your super if you have reached 65 years of age, regardless of your working status.
If you haven’t reached preservation age
If you are under preservation age, you can access your super in limited circumstances such as:
  • On compassionate grounds
  • Due to severe financial hardship
  • Due to a terminal medical condition
  • Due to temporary or permanent incapacity
You can check out the ATO page for more information.

How can I close my account if it has no money in it?

Our Member Services Team can help you close your account. Please send us an email at hello@studentsuper.com.au and we can close it for you. For security reasons, you will need to confirm your:
  • Full name
  • Date of birth
  • Member number
You can find your member number by logging in to your Student Super account, or by referring to the pre-filled super choice form which was attached to your ‘Welcome Email’.

How can I close my account if it has money in it?

We’re sad to see you go :(
If your Student Super account has money in it, you will need to create an account with a new fund and transfer your balance. Please contact your new super fund for help with this.
Once the transfer has processed and your entire balance has been moved to another super fund, your account with us will be automatically closed. You don’t need to worry about letting us know.

I’m leaving the country permanently and want to access my super. How do I do this?

We’re sad to see you go :(
If you are leaving the country permanently, or your visa is expiring/cancelled and you want to claim your super, you can submit an application for a Departing Australia Superannuation Payment (DASP) via the ATO. We have more information about applying for a DASP here.

How do I make a DASP claim?

We’re sad to see you go :(
If you are leaving the country permanently, or your visa is expiring/cancelled and you want to claim your super, you can submit an application for a Departing Australia Superannuation Payment (DASP) via the ATO. We have more information about applying for a DASP here.

How do I apply for financial hardship?

We are sorry to hear that you are experiencing financial hardship and we will do everything we can to help you through this process. To be eligible to access your super you must meet this criteria.
If you meet this criteria, you can apply by emailing us at hello@studentsuper.com.au and request a Financial Hardship Application Form. You’ll need to fill out the form and send it back to us, along with:
  • A Centrelink Q230 letter (if you don’t provide your Centrelink Reference Number on the form)
  • Evidence of your income
  • Proof of debt to support the amount being requested
  • Certified ID

I am deaf, have a hearing or speech impairment, do you have an option to support me contacting the fund?

Yes we do! You can write to us at hello@studentsuper.com.au.
If you’d prefer to have a phone based conversation, you can contact us through the National Relay Service (NRS). The NRS has specially trained staff called relay officers who act as a bridge between you and the organisation you’re calling —in this case Student Super.
Find out more about the National Relay Service here.

I don’t speak English, do you offer translation services?

Yes we do! You can write to us at hello@studentsuper.com.au.
We are registered with the Translating and Interpreting Service (TIS). You can use this service to access an interpreter who can assist you to have a conversation with us.
Call TIS on 131 450, follow the prompts and quote “Student Super” and our phone number 1300 646 960 as the organisation you’d like to connect with. TIS will connect you with an interpreter and the fund.

What is the difference between binding or non-binding beneficiary nominations?

There are two types of beneficiary nominations:
1. Non-binding beneficiary nomination
This nomination is who you would prefer to receive your super benefit. The Trustee will take your nomination into account, but they are not legally bound to follow it. This nomination does not expire.
2. Non-lapsing binding beneficiary nomination
This nomination gives you greater certainty on who will receive your super benefit. The Trustee must pay your super to the person(s) you have nominated if you have a valid non-lapsing binding nomination in place.
You can complete a nomination by filling out the Beneficiary Nomination Form.

Who can I nominate as a beneficiary?

There are five categories of people you can nominate as a beneficiary to your super. They include a Legal Personal Representative (LPR), a spouse, children, financial dependent or a person you’re in an interdependent relationship with. Read more about these categories here.

How do I update or cancel a beneficiary?

Both types of beneficiary nominations are non-lapsing, which means they don’t expire. It is important that if your circumstances change, you review your beneficiary nominations. You can update your beneficiary nominations at any time.
If you want to cancel your beneficiary nomination (removing all beneficiaries nominated), please complete the Cancellation of Beneficiary Nomination Form.
If you want to update your beneficiaries nominated, you can simply complete a new Beneficiary Nomination Form, you do not need to complete the cancellation form, the new form will override your previous nomination.

What is salary sacrificing into Student Super?

Salary sacrificing is an arrangement you make with your employer to sacrifice some of your pre-tax income into super. This lets you grow your super faster while potentially lowering your taxable income, and thereby potentially reducing the amount of tax you need to pay.

What is a stapled super fund?

A stapled super fund means your existing super fund will automatically follow you when you change employment. This is to avoid multiple super accounts from being created each time you switch jobs. Having one super account means you won’t pay any duplicate fees.
As part of the Your Future, Your Super reforms, stapling came into effect from 1 November 2021.

I received a letter from the ATO saying Student Super Professional Super is my stapled fund, what does this mean?

The idea behind “stapling” is to avoid people opening multiple super accounts and paying duplicate fees.
Your new employer may ask the ATO for details of your existing super fund, so they can continue to pay your super into that fund.
Your new employer can make this “stapling request” to the ATO if you did not notify them, in writing, of what fund you would like them to use.
You don't need to do anything if you want your super to be paid into your stapled account.
If you want to change where you super is paid, you can contact your employer to organise this.
Remember, Professional Super is marketed under two brands – Student Super and Professional Super.

When did the loyalty program start?

The program came into effect on December 16, 2022 for all members. If you already had a balance of $1,000+ or more on this date, your loyalty program start date is December 16, 2022.
Login and see your progress on your member dashboard.

Why do I see Professional Super / Student Super / Cruelty Free Super / Engineering Super / Mobi Super on my payslip when I’m only a member of Student Super?

The reason the fund name appears as "Professional Super / Student Super / Cruelty Free Super / Engineering Super / Mobi Super", is because these funds all operate from the same sub-fund, Professional Super. Super funds share sub-funds and Master Trusts to lower costs and operate more efficiently.

Why do I have three BPAY biller codes for contributions?

There are three different contribution codes to make it easy to identify contributions so they can be allocated to your account correctly.
1. “A personal contribution made by me” – these are classified personal contributions. Personal contributions can go towards the First Home Super Saver Scheme, and by making a personal contribution, you could claim a tax deduction or be eligible for the Government Co-contribution.
If you are under 18 or have directed your parent or relative to make a personal contribution on your behalf for funds you are otherwise entitled to, they can also contribute to your super account by using these BPAY details.
For more information, check out our Personal contributions page.
2. “A contribution made by my spouse” – these are spouse contributions into your super account. The ATO defines a “spouse” as married or de facto. They don’t need to be a Student Super member to contribute to your account.
Your spouse should use these BPAY details to make their contribution to your super.
For more information about spouse contributions, check the ATO website.
3. “Other contributions” – these contributions are made by other third parties that don’t meet the other criteria.
For more information including definitions of each third party, check out the ATO website.
The process for third party contributions is different.
  1. Provide the BPAY details to the third party to make the contribution.
  2. Download the form and send this to the third party to complete.
    This is required so we know the type of contribution so it can be allocated to your account correctly.
    For reoccurring contributions that are the same contribution type, from the same third party and for the same amount, the third party only needs to complete the form once. If these are different, a new form is required each time.
  3. Email the form back to hello@studentsuper.com.au
    Please provide us with the completed form within 28 days, otherwise it will be returned to your bank account.

How can I make personal contributions?

You can make personal contributions via BPAY.
Log into your super account and go to ‘Make a contribution’. Under ‘A personal contribution made by me’ (first option!), you will be able to see your personalised BPAY details to make a transfer.