Your super's ready. Now let's set it up.

Want the visual version? jump to our step-by-step guide.

Step 1 — Pop your details into the Future Super login page. You'll land on a screen to set up multi-factor authentication (MFA for short).

Step 2 — Download a free authenticator app from your app store.

Step 3 — Add Future Super to your Authenticator app:

• Using Google Authenticator? Tap the '+' and scan the QR code on your screen. Done!

• Different app? Look for the '+' or 'Add account' option (they all work pretty much the same way).

• Can't scan? No dramas. Click 'Can't scan? Try this' for a code you can type in manually.

• Hit 'Continue' once you're paired up.

• You'll see a 6-digit code that refreshes every 30 seconds. This 'one-time code' can only be used once, and you'll need to go to your app for a new code every time you log in.

Step 4 — Type that 6-digit code into the Future Super website and hit 'Verify'.

Boom! You're in. Welcome to your account.

Setting up MFA is quick and helps keep your account secure. Check our video and troubleshooting guide here for more information.

Step 1 — Log in Enter your email and password on the Future Super login page.

Step 2 — Download an authenticator app Search “authenticator” in your app store and install any free authenticator that (popular options include Google Authenticator or Microsoft Authenticator).

Step 3 — Connect your account Open your app, tap “+” or “Add account”, then scan the QR code or enter the manual setup code via the app (not your Camera app)

Step 4 — Enter your code Type the 6-digit code from your app and click “Verify”.

You’re all set! From now on, you’ll log in using your email, password, and a fresh 6-digit code from your app each time.

Tips:

• Codes refresh every 30 seconds
• Wait for a new code if one’s about to expire
• Only keep one Future Super entry in your app

Need a hand? Review our video and troubleshooting guide here for authenticator app options or common troubleshooting tips.

For issues related to Multi-factor Authentication (MFA), check out our step-by-step guide here. This has all the handy FAQs and common troubleshooting steps to take when dealing with multi-factor authentication apps.

You can log in using your member number, email or phone number. If you cannot log in on one browser try using a different browser (e.g. Google Chrome, Firefox, etc.).

You can also reset your password on the login page.

If you still cannot access your account, send us an email atinfo@futuresuper.com.au or call us on 1300 658 422 and we'll be happy to help you out.

Transferring your super means bringing your money together into one account. One set of fees, one login, and all of it invested in line with your values. If you have super with another fund and you would like to move this money to Future Super, here's how:

• Using the Future Super app → See step-by-step guide
• Through the online account → See step-by-step guide
• Via your myGov account → See step-by-step guide

Transfers usually take 3 to 7 business days to process, but in some cases can take up to 28 days. We’ll send you a confirmation email when we’ve received it, and you will be able to view the transaction in your online account once processed.

Other ways to transfer

Self-Managed Super Funds (SMSFs)

To transfer funds from your Self-Managed Super Fund (SMSF) to your Future Super account, this will need to be arranged by the SMSF administrator.

Please get in touch with us at info@futuresuper.com.au or call us on 1300 658 422 for further information.

ATO-held super

You can transfer any ATO-held super you have through your MyGov account. You can find further information about how to do this here.

The above information is general information only and does not take into account any person's financial objectives, situation or needs. We recommend that you seek professional financial advice tailored to your own personal circumstances before deciding to transfer to Future Super.

You should consider the different fees and costs, amount of insurance cover offered and any other relevant information before deciding to transfer your super. Transferring your super may result in the loss of any insurance coverage you previously held with your current fund. A full transfer of an existing super account will close that account, ending any benefits associated, such as insurance cover. A partial transfer will keep your existing account open and any insurance cover you hold through the account will continue subject to eligibility requirements and the ability to continue to pay premiums. You can apply for new insurance with Future Super (subject to eligibility) or apply for a transfer of cover before rolling over. If you have a pre-existing condition it may be difficult for you to get any or equal cover with another provider. Click here to learn about insurance at Future Super and contact us for more information.

If you intend to claim a tax deduction on a personal contribution, you must lodge the relevant form (called a Notice of Intent) with the fund in which you made that contribution, before rolling over those funds.

All information is general in nature and does not take account of your personal objectives, financial situation or needs. Before deciding whether a particular product is appropriate for you, please read the relevant Product Disclosure Statement including any incorporated information, Target Market Determination and Financial Services Guide available at futuresuper.com.au, and consider speaking with a Future Super Coach or a financial adviser.

Information current as at May 2026.

There are two ways to transfer your super through the app:

• Option 1: Find my super. We'll search for your super accounts using your ID. No need to know your previous fund name or member number.

• Option 2: Transfer your super. You enter your previous fund's details manually.

Not sure which one to use? If you don't have your previous fund's details handy, go with ‘Find my super’.

Option 1: Find my super

What you'll need:

A valid ID. Accepted forms of ID include:

• Australian driver's licence
• Australian passport
• Australian visa
• Australian citizenship certificate
• Medicare card
• ImmiCard
• Centrelink card
• Birth certificate
• Change of name certificate
• Marriage certificate

Steps:

1. Open the Future Super app and go to ‘Find my super’. Tap ‘Find my super’ on your Dashboard, or go to ‘More’ → ‘Find my super’.

2. Verify your identity. Enter your details exactly as they appear on your ID. Full legal name, date of birth in DD/MM/YYYY format, and document number with no extra spaces.

3. Choose what to transfer and confirm. We'll find your super accounts and show you what's available. Select how much you'd like to transfer and confirm. We'll contact your previous fund directly. No need to chase anything up yourself.

4. Done! We'll take care of the rest! Transfers usually take 3 to7 business days to process, but in some cases can take up to 28 days. You'll be able to view the transaction in your online account once processed.

Option 2: Transfer your super

What you'll need:

• The name of your previous super fund
• Your member number with that fund

Steps:

1. Open the Future Super app. Go to ‘More’ → ‘Account details’ and scroll down to ‘Transfer super’. No balance yet? If your Future Super account shows $0, you can also find this in your Dashboard, Balance or Transactions screen. Look for ‘Transfer super’.

2. Tap 'Add super fund +'

3. Enter your previous fund's details. Search for your fund by name, then enter your member number and choose whether you'd like to transfer your full balance or a partial amount.
If more than one fund appears with the same name, check the USI (Unique Superannuation Identifier) or ABN (Australian Business Number) to make sure you select the right one. You can find your USI on the government's Super Fund Lookup website.

4. Add more funds if needed. Consolidating more than one account? Tap ‘Add another fund +’ and repeat the process for each fund.

5. Tap Confirm. Review your details and tap ‘Confirm’ to proceed.

6. Review and submit. You'll see a summary screen with all the funds listed. Tap ‘Submit Transfer’ to send your request.

7. Done! We'll take care of the rest! Transfers usually take 3 to 7 business days to process, but in some cases can take up to 28 days. You'll be able to view the transaction in your online account once processed.

You should consider the different fees and costs, amount of insurance cover offered and any other relevant information before deciding to transfer your super. Transferring your super may result in the loss of any insurance coverage you previously held with your current fund. A full transfer of an existing super account will close that account, ending any benefits associated, such as insurance cover. A partial transfer will keep your existing account open and any insurance cover you hold through the account will continue subject to eligibility requirements and the ability to continue to pay premiums. You can apply for new insurance with Future Super (subject to eligibility) or apply for a transfer of cover before rolling over. If you have a pre-existing condition, it may be difficult for you to get any or equal cover with another provider. Click here to learn about insurance at Future Super and contact us for more information.

If you intend to claim a tax deduction on a personal contribution, you must lodge the relevant form (called a Notice of Intent) with the fund in which you made that contribution, before rolling over those funds.

All information is general in nature and does not take account of your personal objectives, financial situation or needs. Before deciding whether a particular product is appropriate for you, please read the relevant Product Disclosure Statement including any incorporated information, Target Market Determination and Financial Services Guide available at futuresuper.com.au, and consider speaking with a Future Super Coach or a financial adviser.

Information current as at May 2026.

Prefer a different method?

• Transfer via online account → See step-by-step guide
• Transfer via myGov → See step-by-step guide

You can transfer your super through the Future Super online account in just a few steps.

What you'll need:

• The name of your previous super fund

• Your member number with that fund

Steps:

1. Log in to your Future Super online account
   First time accessing your account? Here's how to set up MFA →

2. Go to 'Contributions' and select 'Consolidate your super'
   Click 'Contributions' in the top navigation bar, then select 'Consolidate your super' from the dropdown menu.

3. Search for your fund Type the name of your previous fund. It will automatically start searching as you type. If more than one fund appears with the same name, you'll need to check the USI (Unique Superannuation Identifier) or ABN (Australian Business Number) to make sure you select the right one. You can find your USI on the government's Super Fund Lookup website.

4. Enter your member number Add your member number for that fund. Not sure where to find this? Check your old statements or any welcome emails from your previous fund.

5. Choose your transfer amount Select 'Full Amount' or enter a specific dollar amount.

6. Click 'Continue', then 'Confirm' Review the summary, read the declaration, tick the checkbox if you agree to the terms, and click 'Confirm'.

7. Done!
   We'll take care of the rest! Transfers usually take 3 to 7 business days to process, but in some cases can take up to 28 days. You'll be able to view the transaction in the Dashboard of your online account.

You should consider the different fees and costs, amount of insurance cover offered and any other relevant information before deciding to transfer your super. Transferring your super may result in the loss of any insurance coverage you previously held with your current fund. A full transfer of an existing super account will close that account, ending any benefits associated, such as insurance cover. A partial transfer will keep your existing account open and any insurance cover you hold through the account will continue subject to eligibility requirements and the ability to continue to pay premiums. You can apply for new insurance with Future Super (subject to eligibility) or apply for a transfer of cover before rolling over. If you have a pre-existing condition, it may be difficult for you to get any or equal cover with another provider. Click here to learn about insurance at Future Super and contact us for more information.

If you intend to claim a tax deduction on a personal contribution, you must lodge the relevant form (called a Notice of Intent) with the fund in which you made that contribution, before rolling over those funds.

All information is general in nature and does not take account of your personal objectives, financial situation or needs. Before deciding whether a particular product is appropriate for you, please read the relevant Product Disclosure Statement including any incorporated information, Target Market Determination and Financial Services Guide available at futuresuper.com.au, and consider speaking with a Future Super Coach or a financial adviser.

Information current as at May 2026.

Prefer a different method?

• Transfer via the Future Super app → See step-by-step guide

• Transfer via myGov → See step-by-step guide

You can request a transfer of any old super funds, or any ATO-held super you have, through your myGov account. Here’s how to do it:

1. Head to myGov and sign in.
2. Open the Australian Taxation Office page under Your Linked Services (If you haven’t linked your ATO account then you’ll need to do this first).
3. Click on the Super tab, select Manage and then select Transfer super. (this option will only appear if you have more than one eligible super account)
4. A list of your funds including any ATO-held super with their last reported balances* will show up. Select the accounts you’d like to transfer from and the account you’d like to transfer to (i.e. from ABC super to Future Super)

Note: There will be an ‘as at’ or ‘effective’ date for the balance shown. In a lot of cases, it will be 30 June of the last financial year as funds are only required to report to the ATO once a year. This means your actual account balance may have changed since it was last reported to the ATO, and may be higher or lower than shown in your myGov account. Performing a rollover using myGov will transfer the actual full balance in the account as at the date of rollover request.

You can also use a ‘Request for rollover of whole balance of super benefits between funds (NAT 75359)’ form. Learn more about the process on the ATO website.

Please note that you can only transfer a whole account balance this way. Transferring your whole balance will close your other super account and cancel any insurance you hold through that account. Learn about insurance at Future Super →

If you want to transfer part of your super account balance, you can set this up with your Future Super app or online account instead.

We'll take care of the rest! Transfers from other funds usually take 3 to 7 business days to process, but in some cases can take up to 28 days. Please note that processing times to transfer ATO-held super vary and are subject to the ATO's timeframes.

You should consider the different fees and costs, amount of insurance cover offered and any other relevant information before deciding to transfer your super. Transferring your super may result in the loss of any insurance coverage you previously held with your current fund. A full transfer of an existing super account will close that account, ending any benefits associated, such as insurance cover. A partial transfer will keep your existing account open and any insurance cover you hold through the account will continue subject to eligibility requirements and the ability to continue to pay premiums. You can apply for new insurance with Future Super (subject to eligibility) or apply for a transfer of cover before rolling over. If you have a pre-existing condition it may be difficult for you to get any or equal cover with another provider. Click here to learn about insurance at Future Super and contact us for more information.

If you intend to claim a tax deduction on a personal contribution, you must lodge the relevant form (called a Notice of Intent) with the fund in which you made that contribution, before rolling over those funds.

All information is general in nature and does not take account of your personal objectives, financial situation or needs. Before deciding whether a particular product is appropriate for you, please read the relevant Product Disclosure Statement including any incorporated information, Target Market Determination and Financial Services Guide available at futuresuper.com.au, and consider speaking with a Future Super Coach or a financial adviser.

Information current as at May 2026.

Prefer a different method?

• Transfer via the Future Super app → See step-by-step guide
• Transfer via online account → See step-by-step guide

While we can’t recommend what you should do with other super funds, we can help you check for lost super and guide you through the consolidation process.

Employer Superannuation Guarantee (SG) contributions are presently 12% of a person's ordinary time earnings (subject to a maximum dollar limit). Some employers pay more than the minimum 12% but it's not allowable for employers to pay less than this.

You can read more about employer contributions on the government MoneySmart website here.

Australian employers are required by Government legislation to make superannuation contributions for their eligible employees. These are called Employer Superannuation Guarantee (SG) contributions.

Generally, all employees are entitled to SG contributions, no matter how much they earn in a month. It doesn't matter whether you're full time, part time or casual, or if you're a temporary resident of Australia.

If you're under 18 years old, you must work more than 30 hours per week to be entitled to super contributions.

If you're a contractor, you may still be entitled to super from your employer. You can read more about super contributions for contractors here.

Please note, your employer's super contributions may be shown on your payslip, but employers will often transfer this money to your super fund every 3 months by the quarterly due dates.

Some people may have multiple accounts, so it is important to tell your employer about your Future Super account if you want your employer's contributions to be invested with us on your behalf.

Contributions made by your employer (including salary sacrifice) are taxed at 15%. As this rate is lower than most people's marginal income tax rate, these contributions are called Concessional Contributions.

Read more about contributions tax here.

If you'd like to grow your super balance, you can make personal contributions to your super directly from your bank account.

How to make a personal contribution to your Future Super account

You can use BPAY to make a payment (or recurring payments) from your bank account.

To find our BPAY biller code and your unique BPAY reference, log in to your Future Super online account and navigate to Contributions > Make a contribution.

Once we receive your contribution, our administrators will allocate it to your account. Please allow 2-10 business days for your contribution to be processed and appear in your transactions.

There are several types of voluntary contributions, including personal, spouse, and Downsizer contributions. To make a spouse or Downsizer contribution, you'll need to submit a Alternative Contribution Form. Please see the Australian Taxation Office (ATO)'s website for more information on different contribution types.

Annual contribution caps and tax deductions

The Australian Taxation Office (ATO) sets an annual contribution cap (per financial year), and if you go over this cap you may be required to pay additional tax - you can see more information here. For the 2025/2026 financial year, the standard cap amounts are $120,000 for non-concessional contributions, and $30,000 for concessional contributions per financial year.

If you claim a tax deduction for your personal contributions, they become concessional contributions and are effectively from your pre-tax income. They will then be taxed in your fund at a rate of 15%. If you don't claim a tax deduction for them, they're non-concessional contributions and are from your after-tax income or savings.

If you wish to claim your personal contributions as a tax deduction, you need to submit a validNotice of intent to claim or vary a deduction for personal super contributions form (NAT 71121) (or Notice of intent). You can find further instructions about how to make aclaim on the ATO website here, and more information on how and when to submit a Notice of intent in our FAQs.

The super contributions your employer makes from your before-tax income (concessional contributions) are taxed at 15% by the Australian Taxation Office (ATO).

This tax component is displayed in your transaction history as 'Contributions Tax' and is sent to the ATO by Future Super regularly.

Note - If you exceed the concessional contributions cap of $32,500 in a financial year, additional tax may apply.

The super contributions you make from your after-tax income (non-concessional) are not subject to tax unless you exceed the cap of $130,000 in a financial year. If you exceed the cap the excess will be taxed at the top marginal tax rate.

For more information on how super contributions are taxed and annual contribution limits see ATO's website.

Non-concessional contributions

Non-concessional contributions are able to be made to your account from your after-tax income and are not taxed when entering the fund.

There is a non-concessional contribution cap of $130,000 per financial year. You can read more here.

Concessional contributions

Concessional contributions are taxed at a 15% rate and are made to your account from pre-tax income. These contributions include those made by employers from your pre-tax income and self-employed people who may wish to make contributions from their pre-tax income and claim a tax deduction for those contributions. Members of other types of employment can also make personal concessional contributions.

The concessional contributions cap is $32,500 per financial year. You can read more here.

You can find a handy snapshot of our investment options on our website.

All the details you need to make an informed decision about our products can be found in our Product Disclosure Statement, Target Market Determination, How Super Works Guide, Insurance Guide and Financial Services Guide.

If you're unsure about whether one of these options is suitable for you, you should seek financial advice to ensure you are making an informed choice based on your own financial objectives, situation and needs. If you’re already a Future Super member you can reach out to our coaching team and access professional financial advice through the fund.

Yes! In a coaching session, we’ll help you understand your options and what to consider when making your choice. If you're looking for guidance on which investment option suits your life stage or goals, our registered advisers can provide personal advice.

Future Super offers opt-in insurance. You can apply for cover for the following types of insurance:

• Death Only
• Death & Total Permanent Disablement (TPD), and
• Income Protection

Death Only and Death & TPD cover helps provide you or your dependents (as applicable) with a lump sum payment in the event that you die, suffer a terminal illness, or you become totally and permanently disabled (where you have Death & TPD cover).

Income Protection cover provides you with a monthly income calculated in accordance with the relevant insurance policy (b'Monthly Benefit') in the event that you become Partially Disabled or Totally Disabled and a Sickness or Injury causes you to be unable to work and earn an income.

Please visit this page on our website for an overview of our insurance process.

You can read more about our insurance offerings and the terms and conditions in our Insurance Guide, Product Disclosure Statement, How Super Works Guide and Financial Services Guide.

Before applying for insurance, you may wish to review the possible premiums you may be subject to. To check what premiums may apply, you can get a quote for any of the types of coverage using our online quote tool here.

When you first join Future Super you have 60 days to apply for our Easy Opt-In Standard Cover via your online account. This option is only available for Death Only and Death & TPD cover and will provide a standard amount of cover based on your age and occupation. The standard amount of cover changes in accordance with your age on your next birthday. The premiums for Standard Cover are based on your age next birthday, sex and occupation.

Please note, Easy Opt-in Insurance will commence only once you have a balance in your account. You can read more about Easy Opt-In Standard Cover on page 5 of the Insurance Guide.

If you currently hold insurance with a different super fund, you may be eligible to transfer your cover. Email us at info@futuresuper.com.au to find out more.

Note: Insurance is not available for pension account holders.

There are three ways you can apply for insurance with Future Super!

• Easy Opt-In Standard Insurance
• Voluntary Insurance Application
• Insurance Transfer

Before applying for insurance, you may wish to review the possible premiums you may be subject to. To check what premiums may apply, you can get a quote for any of the types of coverage using our online quote tool here.

You may also want to visit this page on our website for an overview of our insurance process.

Easy Opt-In Standard Insurance
When you first join you have 60 days to apply for our Easy Opt-In Standard Insurance via your Online Member Portal. This option is only available for Death and Death & TPD cover. This will provide a default amount of cover based on your age and type of work subject to eligibility.

Voluntary Insurance Application
If you are an existing member whose 60 days has expired or you wish to apply for Income Protection, you can apply through our Voluntary Insurance Application. This method is more lengthy but it does allow you to pick the amount of coverage for Death and Death & TPD that best suits you. With Income Protection, you can apply for a coverage amount of up to 75% of your pre-claim salary with a maximumbenefit period of 2 years (or until age 65 if earlier). You will also need to select an appropriate waiting period.

Insurance Transfer
If you currently have insurance with an existing fund, you may be eligible to transfer this cover. To do this, you will need to fill in the transfer form and provide proof of cover that is no older than 30 days. Please note, your existing cover should be active at the time of transfer. Please contact info@futuresuper.com.au for this form or for more information.

You should read our Insurance Guide, Product Disclosure Statement and How Super Works Guide before making any decisions relating to insurance with Future Super.

You can find out about the insurance coverage you hold on page 2 of your Annual Member Statement, under the heading “Your insurance cover”.

Additionally, you can find more information about the insurance coverage you hold by logging into your online account and clicking the Insurance tab.

If you would like to learn more about applying for insurance coverage, please see our FAQ on insurance or get in touch with us at info@futuresuper.com.au.

A beneficiary is someone you want to receive the money in your super account in the event you pass away. You can read more about how super is handled in the event you pass away on this ATO page here.

You can make either make a binding or non-binding nomination. You can read more about the differences between the beneficiary types here.

To;?o find out how you can apply for a beneficiary with Future Super, please see this page.

Binding beneficiary

To nominate a binding beneficiary you must complete the Binding Nomination of Beneficiaries Form and send it to us at:

Future Super GPO Box 2754 Brisbane QLD 4001

Non-binding beneficiary

To nominate a non-binding beneficiary you need to complete the Non-Binding Nomination of Beneficiaries Form. You can return it by email to info@futuresuper.com.au, or send it in hard copy to:

Future Super GPO Box 2754 Brisbane QLD 4001

Once it is processed it will appear in the 'view beneficiaries' section of your Member Portal.

A binding death benefit nomination is a written direction made by you to the Trustee that sets out the dependants and/or legal personal representative, as decided by you, who are to receive your benefit in the event of your death. So long as the binding death benefit nomination is valid, the Trustee is bound to follow it.

A non-binding death benefit nomination is a written request made by you that suggests to the Trustee the beneficiaries that may receive your benefit in the event of your death. The Trustee has the final say as to who should receive your death benefits. The Trustee will consider your nomination but is not bound to follow it. The Trustee has the discretion to pay to any one or more of your dependant(s) or legal personal representative(s) or a combination of both.