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Transfer

If you have super in another fund, it's easy to transfer money to your ADF Super (also known as making a 'rollover').

Combining your super can save time and reduce the fees you pay as you have only one account to manage. A transfer into ADF Super means you will have access to a range of investment options, which can help you get the most out of your superannuation savings.

On this page, you'll also find information on how to transfer money out of ADF Super.

Who can transfer money into ADF Super?

You must be an ADF Super member who is currently serving in the permanent forces or as a continuous full-time reservist.

What can I transfer?

If you are currently employed by the ADF and an ADF Super member, you can transfer any or all of the following amounts:

  • Your super balance from other super funds.
  • A directed termination payment.
  • A super guarantee amount from a previous employment payable under the Superannuation Guarantee (Administration) Act 1992.
  • A government super co-contribution entitlement payable under the Superannuation (Government Co-contribution for Low Income Earners) Act 2003.

Will it cost me to transfer?

No, we don't charge a fee to transfer money into ADF Super.

Check with your other superannuation provider to see they charge fees for transferring funds out of that fund.

It's important to check the impact that rolling out of other funds can have on your super. For example, the impact of exit fees and insurance cover.

If you need help figuring out the best option to suit your personal objectives and financial situation, think about seeking financial advice.

Do I have to pay tax?

No tax will be deducted from any amounts that you transfer to us if they have already been taxed.

We will deduct tax from any amount you transfer that is paid from an untaxed source. For example, amounts made on retirement (possibly to reward you for service or as part of a redundancy package) and any other unfunded employer payment.

If you are transferring a very large amount from an untaxed source, the paying fund may withhold tax at the highest marginal rate on any untaxed amount that exceeds the untaxed plan cap. 

How do I find lost super?

The Australian Taxation Office (ATO) can help you track down your super if you've lost track of your accounts. To search for lost super and find out more, visit the Australian Taxation Office website.

How do I transfer money out of ADF Super?

Contact your new fund if you would like to transfer funds out of ADF Super. Once we receive a valid request, we will transfer your super within 30 days.