Most Mercer Super members should receive their 2022/23 annual statements by early November. For more information, as well as frequently asked questions visit

Consolidating your super

Consolidating your super into one Mercer Super Trust account is easy and may benefit you financially, but there are some factors to weigh up.

The benefits of consolidating your super

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Minimise fees

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Cut down on paperwork and administration

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Keep better track of your money

Things to consider before consolidating your super


Insurance cover

Do your homework

To ensure that you’re consolidating your super into a fund that meets your performance and fee expectations, we recommend you assess the reputation and historical performance of a prospective new fund, as well as review its fees before leaving your existing fund.

Investment options

Check your super fund

There are two general types of superannuation funds – accumulation or defined benefit funds. Seek advice before leaving a defined benefit fund as you could risk losing some inbuilt advantages (such as a guaranteed income) that may not be available with an accumulation fund.

Quarterly investment updates

Don't forget insurance cover

You may have death, income protection or total and permanent disablement (TPD) insurance tied to your existing super account. If you change funds, you may not have access to the same cover, especially if you have pre-existing medical conditions.

Insurance cover

Verify employee contributions

Changing funds may affect how much super your employer contributes as some employers may pay more to one fund than another.

Investment options

Consider tax implications

There may be tax implications when you consolidate your super. For example, if you want to claim a tax deduction for super contributions, you should lodge a notice of intent to claim a tax deduction with your original fund before moving money into another fund.

Quarterly investment updates

Seek financial advice

Combining your super can be a significant financial decision. If you decide to combine all or part of your other super account(s), carefully consider how this may have an impact on your existing insurance cover, contribution, and tax arrangements. We recommend that you seek financial and or tax advice before deciding whether to combine your super accounts to ensure that your objectives, needs and personal circumstances are considered.

Consolidating your super in three easy steps


If you are a member and have an open account, consolidating your super into one Mercer Super Trust account is simple. Just follow these three steps.

1. Go to the 'Find my Super' page on Member Online (please note, you'll be asked to log in first once you click the link). 

2. If you have not used this feature of your account before, you will need to authenticate your identity online by providing the details of two forms of identification from the below list: 

  • Australian passport
  • Australian driving licence
  • Foreign passport (linked to an Australian visa)
  • Medicare card
  • Centrelink concessional card
  • Citizenship certificate.

3.  We will be able to find any super you may have, including lost super, and consolidate it across to your Mercer Super Trust account.

If you’re not a member of the Mercer Super Trust, you can sign up and once your account is active you can search for any other super accounts and consolidate in minutes.


Alternatively, call us and we can search for any other super accounts you may have. We can even consolidate them into your Mercer Super account over the phone. If you’re unsure of your other account details, our team can search for any other accounts you may have.

Before calling, please ensure you have two forms of identification on hand such as a drivers license, passport or Medicare card. Our team will use the details you provide to help locate any other accounts you may have.

You can use our phone-based consolidation service by calling our Helpline on 1800 682 525, Monday to Friday, 8am-7pm (AEST/AEDT).

We’re here to help

For employers

Member Online support

Visiting the member support page or log in to your account for more information or to submit an online enquiry.

For members

Contact our Helpline

Speak with one of our consultants on 1800 682 525, Monday to Friday 8am-7pm (AEST/AEDT). 

IMPORTANT Please note that any information in this material regarding legal, accounting or tax outcomes does not constitute legal advice or an accounting or tax opinion and prior to relying and acting on this information it is important that you seek  independent advice from a qualified lawyer or accountant regarding this information.

Issued by Mercer Superannuation (Australia) Limited ABN 79 004 717 533, Australian Financial Services Licence #235906, the trustee of the Mercer Super Trust ABN 19 905 422 981 (‘Mercer Super’). ‘MERCER’ and SmartPath are an Australian registered trademark of Mercer ABN 32 005 315 917. Copyright 2023 Mercer Superannuation (Australia) Limited. All rights reserved.

Please consider the Product Disclosure Statement, Product Guide, Insurance Guide, and Financial Services Guide before making a decision about the product. Target Market Determinations for our products can be found here. If you are unsure of what action to take, seek professional advice from a licensed, or appropriately authorised financial adviser.

Any advice contained in this document is of a general nature only, and does not take into account the objectives, financial situation or personal needs of any particular individual. Prior to acting on any information contained in this document, you need to consider the appropriateness of the advice taking into account your own objectives, financial situation and needs.

The material contained in this document is based on information received in good faith from sources within the market and on our understanding of legislation and government press releases at the date of publication which we believe to be reliable and accurate. Neither Mercer nor any of its related parties accepts any responsibility for any inaccuracy. Past performance is not a reliable indicator of future performance.