• Can anyone join Australian Catholic Superannuation?

Yes. As Australian Catholic Superannuation is a public offer fund, anyone is able to join, regardless of whether or not they’ve worked for a Catholic employer.

• How can I set up an account?

If you would like to sign up as a superannuation member, a pension member, or an employer, please click here.

• What are your fees?

Details of our fees can be found here. Additionally, learn more on our Fees and Costs Factsheet.

• How do I set up my online account?

If you would like to set up an online account, click here and follow the instructions on the page.

If you are unsure of your account details, please contact our Member Services Team on 1300 658 776.

• How do I update or change my membership details?

Most of your contact details can be updated by logging into your online account here.

If you need to update any personal details such as your name, you will need to complete a Change of Personal Details Form. Please note that additional documentation may be required to complete this request.

• How do I give my partner authority to enquire on my account?

If you would like someone else to be able to enquire on your account, you will need to complete an Authority to Access Information Form. Please note that additional documentation may be required to complete this request.

• What do I need to do if I have a Power of Attorney for a member?

To inform us of your Power of Attorney status, you will need to complete a Power of Attorney Form and return it to us via post with the required additional documentation included.

• My family situation has changed. What kinds of action should I be taking on my superannuation?

There’s more to superannuation than simply collecting money when you retire. Click here for more information on the sorts of things you should be thinking about when something monumental happens in your life.

• What are the different investment options?

Details of our superannuation and pension investment options can be found here.

• Can I invest my super in more than one investment option?

Yes, as long as the total percentage of funds invested adds up to 100%.

• Is there a cost to change my investment options?

No, we do not charge an investment switching fee.

• What tax is paid on investment earnings?

The maximum tax rate on investment earnings is 15% however other factors may lower the tax payable. Further information about this can be located here.

Please note that over the phone advice is able to assist with investment options. To get a callback, click here.

• How do I locate any lost super I might have?

We offer a search tool on our website that will assist you in locating your lost superannuation funds and then consolidate them should you wish to do so. Click here to locate your lost superannuation.

• What are the benefits of consolidating my superannuation funds?

There are a number of potential benefits to combining your superannuation accounts. Click here for more information about consolidating your funds.

• Can I transfer my insurance from another superannuation fund when I consolidate?

Yes, however you will need to complete a Transfer your Insurance Form to complete this process, and will not be able to use the Supermatch feature.

Please note: This process can be completed over the phone with a Client ID number.

Superannuation is online, over the phone and via form here.

RetireChoice Pension is online or via form here. 

RetireSmart – no switches as it is pre-determined/auto re-balancing product.

• How do I know when I can withdraw my super?

Click here for information about withdrawing your superannuation benefits.

• How do I withdraw my funds?

If you wish to withdraw your superannuation benefits, please contact our Member Services Team on 1300 658 776 to obtain the required documentation.

• Can I access my funds for reasons other than retirement?

Under certain difficult circumstances, you may be able to access your superannuation to assist you with your situation. >Click here for more information about Financial Hardship and Compassionate Grounds claims.

• Why is it important to nominate a beneficiary?

Click here for information on beneficiary nominations.

• How do I nominate a beneficiary?

A non-binding nomination can be added through your online account.

To set up a binding nomination, you will need to complete and return our Nominate Beneficiaries form.

• How long does a binding nomination last?

A binding nomination is required to be renewed every 3 years. We will notify you when it is time to update this nomination.

A non-binding nomination can remain on the account indefinitely, and does not need to be renewed.

• What is a reversionary nomination?

A reversionary nomination allows a pension product to continue to be paid to the nominated party in the event that the initial account holder passes away. The new account owner can elect to have the funds paid out to them, or continue to receive these benefits as a regular payment.

If you would like to discuss this with a financial adviser, click here to contact our team and request a call back at a time that suits you.

• How much super should I be receiving?

Click here to find out more about your employer obligations to you when it comes to your superannuation.

• How can I be sure my employer is paying contributions to my super?

Generally speaking, checking your payslips and comparing them with the transactions on your superannuation account is a relatively simple way to ensure that you are receiving the payments owed to you by your employer.

• Can I keep this account when I change employers?

Yes, simply complete a Choice of Fund form with your account details and hand it to your new employer.

• What do I do if my employer is not paying contributions to my super?

If you feel as though you are not receiving your superannuation entitlements, click here for actions you can take to address the situation.

• What are other ways I can make contributions into superannuation?

Employer contributions aren’t the only way to grow your super balance. Click here for more information about the types of payments that can be made into your account.

• What are salary sacrifice contributions?

Salary sacrifice contributions offer a way to grow your superannuation balance while reducing your tax burden. Click here for more information on salary sacrifice contributions.

• Are there caps on the amount of contributions I can make to my account?

There are limits to the amount you can pay into your superannuation. Refer to our Contributions Factsheet for more information about contribution caps.

• Can I share my contributions with my spouse?

You may be able to split a portion of your concessional contributions with your partner. Click here to learn more.

• Why have I not received a government co-contribution?

It’s possible you were not eligible to claim the government co-contribution. Refer to this page for more information about qualifying for the co-contribution.

If you’re still unsure as to why you have not received this, please contact the ATO on 13 10 20.

• Why do I have insurance on my superannuation account?

As a member of Australian Catholic Superannuation, you automatically receive a level of insurance cover. Click here for more information about the types of cover we offer.

• Is there a cooling off period?

If you decide you do not want the automatic cover offered to you, you are able to cancel this within 60 days of the welcome letter being generated. Any premiums that may have been charged by that point will be refunded to your account.

• Am I able to remove my insurance?

Yes, simply complete and return a Converting Your Insurance Cover form and we will remove this for you. Please bear in mind that once you have cancelled your insurance, you will need to make an application to add it back to your superannuation account.

• Can I apply for more insurance, and how much do I need?

Yes, please click here for more information about altering your insurance. You may also wish to access our complimentary insurance advice service prior to making your decision. Our insurance calculator can give you an indication of the level of insurance you may require. You can also speak to one of our associate planners at no cost to you in relation to the insurance on your superannuation policy.

• How can I apply to claim my insurance?

For information on applying to claim your insurance policies, click here.

• Can I move my superannuation into my KiwiSaver account?

If you are moving back to New Zealand, you are able to transfer your funds to your KiwiSaver account. Please complete and return the KiwiSaver Transfer Request Form to initiate this transfer. Please note that further documentation may be required in order to complete your request.

Departing Australia Superannuation Payment (DASP) applications are made online via the ATO.

• Am I required to provide my tax file number?

You are not legally obligated to provide your TFN, however you may face increased taxes on your contributions if you do not.

This can be updated over the phone.

Click here to view all of our important fund numbers.

• What is a Transition to Retirement account?

Transition to Retirement Accounts allow you to access some of your superannuation balance if you are between your preservation age and 65, but have not yet retired. Click here for more information about these accounts.

• What is an Allocated Pension account?

If you have fully retired or reached age 65, you are able to have your superannuation benefits paid as an income stream. Click here for more information.

• How will I know the amount of super I will need?

Our Benefit Projection Calculator may be able to assist you in figuring out this information.

• How might I benefit from the Centrelink Age Pension?

Click here for information regarding the Centrelink Age Pension.

Our advice services are able to assist with retirement planning.

To save you time when logging in to your Members/Employers online account, you can select the ‘Remember my Client ID’ option. However, please note that our Online Services will only remember your Client ID on the computer from which you have selected this option and will always be masked to ensure nobody else can record your client number.

For security reasons you shouldn’t use this function if you access your online account from a:

 - Shared computer, such as a family or work computer
 - Public computer, such as one at a school, library, or internet café.

You can opt out of the ‘Remember my Client ID’ feature at any time by deselecting this option from the Australian Catholic Superannuation Online Services login page.

Make sure you have the following details handy before you login to your Australian Catholic Superannuation online account:

 - Client ID
 - Password.

For new members—On joining the Fund, we’ll send your Client ID and a password activation link, with relevant instructions, to your nominated email address.

For first-time users—If you're already a Fund member, but haven’t used our online account service before, please contact us to request a password activation link. Your Client ID can be found on your last Fund statement.

Follow the steps below if you want to access your account online, but either can't remember your password or if it’s more than 7 days since a password activation link was issued to you.

1. Click the Members online or Employers online link above.

2. Click the [Forgotten Password] button.

3. Submit your Client ID and email*—a new password activation link will be emailed to you straight away.

4. Follow the steps in the password activation link email to set a new password.

5. Login to your account using your Client ID and new password.

*If we don't have your current email address on record, we won't be able to send a password activation link to you immediately. You can update your email address by calling us on 1300 658 776, or completing a Change of personal details form (PDF).

Setting a new password

Having a secure password is one of the simple steps you can take to help protect yourself online. The Australian Catholic Superannuation password 'strength meter' will give you an onscreen indication of how secure your password is when you’re registering or changing your online account password.

To maximise the security of your new password, we recommend that it:

 - Is at least 8 characters long
 - Contains at least 1 upper case and 1 lower case character (passwords are case sensitive)
 - Contains at least 1 numeric and 1 alpha character
 - Does not contain a sequence of 3 or more ascending or descending characters i.e. not ‘abc’ or ‘cba’
 - Is not a commonly-used word or one that could be easily guessed, e.g. ‘password’ or the name of a family member, as these may not be accepted by our system.

Your password protects access to your account details and should never be shared. For greater security, we also recommend that you change your password periodically. See below for some other online security tips.

One of the upsides of the digital age is that people now have unprecedented access to a wealth of online information and services. A concerning downside is that cyber-criminals are continually looking for opportunities to prey on unwary internet users for financial gain.

While Australian Catholic Superannuation takes all possible security precautions to protect your super and confidential information, you also have an important role to play in security.

By being vigilant and, at a minimum, taking the simple measures outlined below to help protect yourself from online threats such as viruses and identity theft, you’ll enjoy greater peace of mind when using the internet and our online account services.

Some simple ways to help maximise your online security

 - Use a password that’s difficult for others to guess.
 - Change your password regularly.
 - Don’t give your password to another person.
 - Avoid using public computers to access your account (ie at internet cafes, libraries etc) as they may not be protected with the latest anti-virus software, or they may contain keystroke-tracking software. 
 - Before logging in to your Australian Catholic Superannuation account, always ensure the website you’re logging in from is ‘www.catholicsuper.com.au’ 
 - Check your last sign-in date and ensure it’s correct. 
 - Check the security certificate to confirm that the identity of the website is verified and that your data is encrypted. When logging in to your account, the web address should start with ‘https’. In addition, look for a ‘lock’ icon in your browser window—clicking on this should display the SSL (Secure Sockets Layer) certificate details.
 - Don’t leave your computer unattended while you’re logged in to your Australian Catholic Superannuation account. 
 - Always log out of your account after completing your transaction by using the ‘Log out’ link at the top of your screen. 
 - Ensure you have up-to-date security software installed on your computer before performing online transactions.

To use the internet more safely, you first need to make sure your computer is as secure as possible. Taking the steps below to protect your computer can not only save you time and trouble if something does go wrong, but can also help ensure that you’re getting a better online experience.

 

Install an internet security package

It’s recommended that every computer used to access online account details has an internet security package installed. This will help to protect you from viruses and keep your online identity safe. The package from a reputable retailer should include:

Anti-virus software—stops viruses from damaging your computer
Anti-spyware software—protects your computer from viruses that try to monitor what you’re doing online
Firewall software—monitors information going in and out of your computer to stop unauthorised access.

Setting your internet security package to automatically download regular antivirus updates, will boost your protection against the latest known threats.

Update your operating system

The operating system is the program that controls the normal functions of your computer. Ensuring your operating system stays up-to-date is an important step in keeping your computer secure. Both Microsoft and Apple regularly release updates, or patches, that provide new features, improve performance and help protect against new types of viruses.

Microsoft Windows—use Windows Update
Apple Mac OS X—use Software Update within Finder.

Updates are normally released on a monthly basis, but urgent security patches may also be made available as needed. You can set your computer to automatically download and install updates.

Avoiding identity theft and fraud

Identity theft occurs when criminals gain access your personal information and profit from it by pretending to be you. They use viruses, hoax emails and social networking sites to gather details needed to ‘steal’ your identity and then commit fraud in your name.

The popularity of email makes it easy to target unsuspecting people with fake messages asking for their personal details or money.

Please note that Australian Catholic Superannuation will never send you an email asking you to confirm, update or reveal your confidential account password information.

If you do receive an unsolicited or suspicious email claiming to be from Australian Catholic Superannuation and asking for personal details about your account, you should call us as soon as possible to authenticate it before responding to any requests in the email.

Call us on 1300 658 776 
8:30 am–7:00 pm (AEST) | 8:30 am–8:00 pm (AEDT) 
Monday to Friday (national public holidays excluded).