Remember, limited services apply from 22 April ahead of the APSS merger with Australian Retirement Trust on 30 April.

Merger to go ahead 

The APSS will be merging with Australian Retirement Trust on 30 April 2022. On that date, APSS members and their benefits will automatically transfer to Australian Retirement Trust. This is the new $230 billion fund formed through the merger of QSuper and Sunsuper. Significant Event Notices (SENs) for Employee members, Rollover & Spouse members and Pension members were mailed out in the first week of March, setting out details of the merger. You can download the SEN relevant to you using the ‘quick links’ on the right, or by reading more below. If you have any questions, please check our online frequently asked questions (FAQs) or contact us.


Employee members

Your APSS Defined Benefit will continue to accrue in the APSS Plan within Australian Retirement Trust. The same defined benefit formula and the same conditions (e.g. no administration fees) will apply, and any Member Savings account simply transfers to your new Additional accumulation account in the APSS Plan.

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Pension members

If you have an APSS Pension account, the merger will see your account migrate to a new Australian Retirement Trust Income account. This will either be a Super Savings - Retirement income account or, if using the APSS Pension to transition to retirement, a Super Savings - Transition to retirement income account.

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Rollover & Spouse members

If you have an APSS Rollover or Spouse account, the merger will see your account migrate to a new Australian Retirement Trust Super Savings Accumulation account (unless you’re an employee member with a Rollover account, in which case it migrates to your new Additional accumulation account in the APSS Plan described above). 

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Web portal

After 29 April 2022, Australian Retirement Trust will be your primary contact but you’re free to get in touch earlier and you should explore the information they have prepared to help you transition. You can explore their educational videos, downloadable Transfer guides and more on the dedicated web portal for APSS members.

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Frequently asked questions ( FAQs )

If your question isn't here please contact usOpens in new window  or call 1300 360 373 (9:00am - 5:30pm, Sydney time, Monday to Friday).

Why does the APSS need to change?Collapsed
Do I have to do anything? For example, do I need to open an account with Australian Retirement Trust?Collapsed
What advantages or enhancements can members expect in a new, merged fund?Collapsed
Will I have the same member number or a new one?Collapsed
Who will look after my super and protect my best interests from 30 April 2020?Collapsed
How will the merger occur?Collapsed
What happens to my APSS defined benefits?Collapsed
Will my APSS Member Savings go into an 'Additional accumulation account'?Collapsed
What will happen to my 'offset' account in the APSS?Collapsed
What should I do if I cease employment before the merger date of 30 April 2022?Collapsed
What happens to my Rollover/Spouse/Pension account?Collapsed
What will the merger mean for my APSS Pension?Collapsed
When will I receive my APSS Pension payments that are due in April?Collapsed
Will I have to inform Centrelink that my APSS Pension will be transferred to an Australian Retirement Trust income account?Collapsed
How do investment returns in Australian Retirement Trust compare with those in APSS?Collapsed
After the merger, will our fees for member savings increase and will our investments be as secure as APSS?Collapsed
The APSS has more (surplus) funds than the total owned by members - what happens to these funds with the merger?Collapsed
Will my binding beneficiary nomination continue?Collapsed
I am contribution splitting with my spouse. How will the merger affect that arrangement?Collapsed
Will direct debit personal contributions from my bank account (e.g. BPAY) be directed to my new Australian Retirement Trust account?Collapsed
Why were members not given an opportunity to vote on proceeding with the merger?Collapsed
Wasn't the merger going to be with Sunsuper? Or was that Suncorp?Collapsed