3 December 2025
The ATO has released its latest data on lost and unclaimed superannuation. According to this data, lost and unclaimed super was over $18.9 billion for approximately 7.3 million accounts at 30 June 2025.
With superannuation the cornerstone of retirement savings for most Australians, this data is deeply concerning.
How does super become “lost”?
Super funds must report lost member accounts to the ATO when a member is either:
· Uncontactable – The fund has been unable to reach the member and no contributions or rollovers have been received for 12 months. This often happens when people change their name, move house, switch jobs, etc.
· Inactive – No contributions or rollovers have been received for five years.
In most cases, lost super stays with the fund until the member resurfaces. However, certain circumstances trigger a compulsory transfer to the ATO as ‘unclaimed’ super. For example, aged-based rules, small inactive balances, etc.
How do you find it again?
If you suspect you have lost or unclaimed super, you should take proactive steps to recover it.
The most effective way to find lost and unclaimed super is to complete a search using your myGov account (linked to the ATO).
This system will help you gain visibility on your super accounts and to identify if any have been reported as lost or unclaimed.
If online is not an option, the ATO also offers a phone service (13 28 65) and a paper form for manual searches.
Once you’ve located the missing super, you may be able to reactivate the account. Alternatively, you can consolidate it with your current super or, if you’ve met the relevant conditions (eg turned 65), you may be able to withdraw it.
If you are concerned you might have lost or unclaimed super, reach out. We can help you track it down, explain the search process, and ensure your retirement savings end up where they belong.
And more broadly, our licenced financial advisors can help you to review your situation to ensure that your superannuation and retirement planning is on-track.
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1️⃣ Super Review – Make sure your Super is taking care of the future you → Book here.
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