Registration help

Why haven't I received any welcome information from GuildSuper?

Most likely because we don’t have your correct contact details. To make sure we can contact you, call us on 1300 361 477 to update your details, or if you have online access please login here to update your details . If your details are correct, it’s worth calling us anyway so we can figure out what the problem is.

How can I find my member number?

You can find it on your latest statement, your member online account, or our mobile app. If you still can't find your member number, then please call us on 1300 361 477.

Can I get online access to my member account?

Yes, you can. If you have not logged in before you will need to register here. If you joined online or have logged in before, you can log in here. If you can’t remember your password, click here to reset it. Alternatively contact our Member Services Team for step-by-step guidance.

I’m having trouble logging in to my online account.

Been a member for a while? We got a brand-new secure client portal in May 2021, which you need to register for, even if you had access to our old portal. If you haven’t already, please register here and follow the prompts to create your account.

If you’ve registered but still can’t access the portal, please call us on 1300 361 477 and we’ll get you sorted.

How do I reset my password?

Simply head to the member portal login page and click on ‘Forgot password’. Follow the prompts and set up your new password.

Or, if you’re already logged in and want to change your password, click on My Profile, then Select ‘Change Password’ from the options on the left-hand side.

How do I download and setup the mobile app?

You can find instructions on Downloading and setting up the mobile app here.

Your Superannuation Account

How do I open a GuildSuper account?

To set up a superannuation account and join GuildSuper, go to our member portal and follow the steps outlined.

Once you’ve done this, you’ll receive a welcome pack with information on how to manage your account.

Why do I need a super account?

Superannuation is mandatory in Australia, so everyone needs a super account! This is so your employer can pay your super contributions into it and help you save for retirement.

If you don't provide your employer with your own super account when you start a new job, they will pay to an active super account you already hold. If you don’t have a super account elsewhere your employer will pay your contributions into a 'default' fund that they choose. You have the right to choose where your super goes, so make sure you choose the fund that’s right for you – hopefully that’s us! Visit our Superannuation page for more info.

What happens if I leave the pharmacy, veterinarian or allied health industry?

You can stay a member of GuildSuper regardless of which industry you work in. Your GuildSuper account will stay open even when you change employers or industries, and you continue to enjoy the benefits of your membership. All you need to do is tell your new employer that you would like your super payments made into your GuildSuper account. Complete the Choice of Superannuation Fund form and give it to your employer (this will prevent them from opening another super account for you with a different fund too).

What does my employer need when I start a new job?

You need to give your new employer a completed Choice of Superannuation Fund form which includes your member number. If your employer has not made any payments into GuildSuper before, you will also need to give them a Letter of Compliance, which is on the back of the Choice of Fund form.

Short on time? If you are logged in to your member account, you will find a pre-populated Choice of Fund form containing your name, member number etc; that you can either download or email directly to your new employer.

How do I check my super balance?

There are a few different ways, so choose the one that is easiest for you:

How can I check if my employer has paid my super?

The best way to check if your employer has paid your super is to login to your account and click on the ‘Transaction History’ tab. You can also download the mobile app to receive notifications when your employer makes a payment into your super account. You can find instructions on downloading and setting up the mobile app here

What are the fees associated with my GuildSuper account?

Our most popular account is our MySuper Lifecycle Investment Strategy where we charge an administration fee and an investment fee.

The administration fee is made up of a few set costs and the investment fee charged depends on the life stage your account is in. Your life stage is linked to your age and is updated automatically when you enter a new age bracket.

For more information and calculators to help you work out your specific account fees, go to here.

What if I don’t have much super in my account?

If your account balance is less than $6,000 at the end of the financial year (30 June), some of the fees and costs charged to you in relation to administration and investment are capped at 3% of your account balance. Any amount you get charged above that 3% will be refunded into your super account after the end of the financial year.


What insurance cover do I have through my super account?

Eligible members* receive Default Death, Total and Permanent Disablement (TPD) and Income Protection (IP) insurance cover. The amount of Default cover you receive depends on your age and what your cover costs you will depend on your age and occupation. You can check what cover you have by logging in to your online account and checking the ‘My Insurance’ tab or by calling 1300 361 477.

If there isn’t enough money in your account to pay the insurance fees, your cover will be cancelled. And importantly, if no contributions or rollovers (when you transfer your super from one account to another) are paid into your account for a 16-month period, your account will be deemed inactive and regardless of balance, your insurance may be cancelled. This is one of the reasons why it’s important to regularly check that your employer is paying your super contributions and keep your contact details up to date!

*Check our Insurance Guide to learn more about eligibility.

How much does insurance in super cost?

While insurance in super isn’t free, it’s normally a lot cheaper than if you buy it directly through an insurance company. Plus, you don’t have to cough up for monthly or annual bills – but the bill is still coming out of your retirement savings rather than your bank account.

For specific fee breakdowns, visit our insurance fees page.

How do I cancel my insurance?

You can make changes to your insurance by logging in to you online account and heading to the ‘My Insurance’ tab. Don’t just cancel your insurance on a whim though, as it can be hard to get it back down the track! We recommend you read all about the potential risks and changes that could occur to your cover before making any changes

You can also contact our member services team, and they can take your instruction over the phone.


Where can I find forms?

Our forms, broken down by popular categories, can be found here.


How is my super invested?

Super is typically invested in a range of assets, such as shares, property, cash, and fixed interest investments to help grow your retirement savings over time. The exact investment strategy used will depend on a range of factors, including your age, risk tolerance, and investment goals. 

Learn more

We want to make it easy for you to see what you’re invested in and believe it’s important to be transparent with members so you can see your GuildSuper investment breakdown here.


What is super and why is it important ?

Superannuation is a way to save money for when you're no longer working. It's important because it helps you have enough money to live on when you retire. Your employer puts a set portion of your salary (11.5% for the 2024/25 financial year) into a special account for you and your super fund will invest that money on your behalf to help it grow over time.

Superannuation also has some tax benefits, which means you get to keep more of your money. It's important to understand how superannuation works and to save enough for your retirement. More information on superannuation can be found here.

When can I access my super?

The conditions for accessing your super vary depending on your age and circumstances. Normally you can access super when you reach your preservation age and retire, or when you reach age 65. Your preservation age is based on your date of birth and ranges from 55 to 60 years.

You may also be able to access your super early in certain circumstances, such as severe financial hardship, compassionate grounds, or permanent incapacity. There are also specific conditions for accessing super for those who are terminally ill.

What is the preservation age for super?

The preservation age is the minimum age at which you can access your super without restrictions, and it varies depending on your date of birth. See the current ones here.

What happens to my super when I change jobs?

When you change jobs, you have a few options for what to do with your super:

  1. Leave your super where it is.

  2. Transfer your super over to your new employer's fund.

  3. Transfer your superannuation over to another fund of your choice.

To find out how to take your super with you, visit our Changing Jobs page.

What is salary sacrificing and how does it work with super?

Salary sacrificing is an arrangement you can set up with your employer where you agree to give up some of your salary or wages so that they can put it directly into your super account. This can be a good way to save money for your retirement, as it can reduce your taxes and give you more money in the long run.

To find out more, visit our Salary Sacrificing page.

What is superannuation guarantee and how much should I be receiving ?

Super guarantee is the rule that says your employer must pay super contributions to you along with your wages, to help you save for retirement. You are entitled to 11.5% on your ordinary time earnings from 1 July 2024. For more information, visit our Superannuation page.

How do I make additional contributions to my super account?

If you want to make additional contributions, log in to your online account, go to the ‘Grow my Super’ tab and set up either direct debits for regular contributions or make a BPAY ® payment for a one-off by following the prompts.

How do I consolidate my super accounts?

Easy! Visit our Find and combine your super page to find out.

What is a self-managed super fund (SMSF)?

The main difference between an SMSF and a fund like GuildSuper is that the members of an SMSF run it themselves, normally as trustees. They have full responsibility for complying with the super and tax laws and paying all the setup and fee costs themselves – which can be expensive! While there is no minimum amount of money required to set up a SMSF, this is why you normally wouldn’t set up a SMSF unless you had quite a large balance.

What are the tax implications of my super contributions and withdrawals?

There are many ways your tax can be impacted by super contributions and withdrawals. If you’d like more information on tax within super, call our Member Services team on 1300 361 477. If you need advice personalised to your situation or finance, your best bet is to engage a financial adviser.

How do I nominate beneficiaries for my superannuation account?

You can find all the details of how (and why!) you nominate beneficiaries for your super account on our Nominate a beneficiary page.

What happens to my super if I pass away?

The money in your super account at the time of your death will be paid as a death benefit to the person you’ve nominated as your beneficiary on your account. This is why it’s so important to nominate a valid beneficiary! Depending on who your beneficiary is and the situation, they may or may not have to pay tax on the death benefit. Find out more on our Nominate a beneficiary page.

How do I claim my super if I am no longer able to work due to illness or injury?

If you’ve got income protection and/or total and permanent disablement insurance cover in your super account, you may be eligible for one of them, depending on your circumstance. See our type of insurance page for more details.

What is the government co-contribution for superannuation?

We have plenty of info about this on our government co-contributions page, so head over there.

What is the low-income super tax offset (LISTO)?

The LISTO is a government payment to help anyone who earns $37,000 or less a year save for retirement. This is usually paid directly into your super fund. If eligible, you’ll get 15% of your concessional (before tax) super contributions. The maximum payment you can receive for a financial year is $500, and the minimum is $10. Best of all, you don't need to do anything to receive a LISTO except complete your tax return and make sure we have your tax file number (TFN) – because without your TFN we can’t accept a LISTO payment.

How do I report my super contributions to the ATO?

Any super contributions made by your employer should pre-fill for you when you lodge your tax return through MyGov (just like your salary). If you’ve made additional contributions over the course of the financial year, you may like to get advice from a personal tax accountant about the best way to report it and claim any deductions you may be eligible for.

How do I ensure that my employer is making the correct super contributions on my behalf?

First thing to do is log in to your online member account and review your transaction history to ensure the contributions are being made at all. From there, you’ll need to know your salary pre-tax income. Your employer should be paying you 11.5% of your ordinary time earnings wage in super contributions. If you need help doing the maths or have concerns the amount is not correct, speak to your employer directly.

Is superannuation taxed?

Yes, your super is taxed, but how it’s taxed depends on the type of contribution and/or withdrawal.

Any before-tax contributions, for example your employer contributions or salary sacrifice contributions, are generally taxed at 15%. Any after-tax contributions, such as SUPERSUPER payments or voluntary contributions, aren’t taxed at all. And any earnings you generate on your super is generally taxed at 15%.

If you’re over 60 and are looking to withdraw your super, it won’t be taxed. If you withdraw any of your super before your 60, you’ll generally be taxed between 17% and 22%.

Page last updated 3 December 2023