Help & support
You may avoid paying multiple sets of fees
Have the confidence of knowing your super is in one place
Enjoy the convenience of seeing and managing your super in NetBank or the CommBank app
This is general advice only. It does not take your personal objectives, financial or taxation situation or other needs into account. Before acting, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs and obtain and consider the Product Disclosure Statement and Reference Guides.
Before you make a decision to consolidate your super, you should compare the costs, fees, risks and benefits of your other super funds against Essential Super. It also makes sense to consider whether you can replace any insurance cover you may lose upon rolling over, potential costs for withdrawing from other super funds, as well as any investment or tax implications. If you need advice on your personal circumstances, please talk to a financial adviser.
If you’re an Essential Super member, you can consolidate your super online using NetBank.
This will take you to the Colonial First State portal where you can consent for the Trustee to run a SuperMatch search for any other super accounts you may have.
Please see the Product Disclosure Statement and Insurance Reference Guide for specific terms that apply to insurance cover in Essential Super, including what’s not covered. For at least the first two years of your cover, you generally won’t be paid a benefit if it is due to a pre-existing condition. Generally, a pre-existing condition is an illness or injury that you were aware of at any time before your cover commenced or increase. This exclusion will no longer apply if you're capable of working for 30 consecutive days either immediately before the two year period ends or at any time after the two year period ends. Additional exclusions also apply.
You should also check for any tax implications that may occur from consolidating your super. If you plan to claim a tax deduction for personal super contributions, you will need to lodge a notice of intent to claim a tax deduction with your original fund before you consolidate your super into another fund.
Give your employer the details of your new fund so they start paying super into the right account.
Call 13 4074, 8:30am - 6pm (Syd/Melb time), Mon-Fri or call +61 2 9303 3000 if calling from overseas.
Message us in the CommBank app or call 13 2221, 8am – 8pm (Syd/Melb time).
contactessentialsuper@cfs.com.au
Find answers to your frequently asked questions or see how to reset your login details.
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (referred to as Colonial First State, CFS, ‘we’, ‘us’ or ‘our’) is the Trustee of Essential Super ABN 56 601 925 435 and the issuer of interests in Essential Super. Essential Super is distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (the Bank). The CFS Group consists of Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 (HoldCo) and its subsidiaries, which includes CFS. The Bank holds an interest in the CFS Group through its significant minority interest in HoldCo.
This information is issued by CFS and may include general financial product advice but does not consider your individual objectives, financial situation, needs or tax circumstances, and so you should consider the appropriateness of the advice having regard to your circumstances before acting on it. The Target Market Determination (TMD) for Essential Super can be found at cfs.com.au/tmd and includes a description of who the financial product is appropriate for and any conditions on how the product can be distributed to customers. You should read the Product Disclosure Statement (PDS) and the Reference Guides for Essential Super carefully and consider whether the information is appropriate for you before making any decision regarding this product. Download the PDS and Reference Guides at commbank.com.au/essentialsuper-documents or call us on 13 4074 for a copy.
None of the Bank, HoldCo, CFS, nor any of their respective subsidiaries guarantee the performance of Essential Super or the repayment of capital by Essential Super. An investment in this product is subject to risk, loss of income and capital invested. An investment in Essential Super is via a superannuation trust and is therefore not an investment in, deposit with or other liability of the Bank or its subsidiaries.
The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). AIA Australia is not part of the Commonwealth Bank Group or CFS. Insurance cover is provided to eligible members of Essential Super under policies issued to CFS.
Any information provided by CBA may include general financial product advice but does not consider your individual objectives, financial situation, needs or tax circumstances, and so you should consider the appropriateness of the advice having regard to your circumstances before acting on it. You should read the PDS and the Reference Guides for Essential Super carefully and consider whether the information is appropriate for you before making any decision regarding this product.
