CareSuper and Spirit Super merger guide
Super together
On 1 November, CareSuper and Spirit Super merged to create a new fund with more than 573,000 members and over $53 billion in funds under management.
Our new fund is called CareSuper and brings together the best CareSuper and Spirit Super have to offer in value and experience.
Our increased scale and capability mean you’ll benefit from an exciting range of innovative products, award-winning service*, and a focus on real care that will help you retire with confidence.
Here, you’ll learn how the merger affects your account and how to start getting the most out of your bigger, stronger super fund.
Welcome to the new CareSuper!
Bigger and better benefits
Here are just some of the benefits to being a CareSuper member.
Significant event notices (SENs)
Our SENs detail all the changes to your account as part of the merger. You should have received your relevant SEN via email or post. You can also download our SENs below.
Spirit Super | CareSuper |
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Limited services period
To ensure a safe and secure merge, there is a temporary services interruption from 25 October to 21 November 2024. During this period, some services and transactions will be unavailable or delayed. See your SEN for details.
Key dates | Details |
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1 November 2024 |
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1 November 2024 |
Limited services period continues
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21 November 2024 |
Limited services period ends
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If you need help with your account during this time, please contact us on 1800 005 166.
Explore your new CareSuper account
Ready to get the most out of your new CareSuper account? Here’s a step-by-step guide to get started.
From 1 November
- Read your SEN - It has information about all the changes to your account.
- Understand the limited services period - Know which services and transactions will be unavailable or delayed until 21 November 2024.
- Ask some questions - Sign up for a webinar to learn more about the merger and to ask questions.
- Explore your new investment options - You can now access two new investment options — Alternative Growth and Property.
- Explore your new advice options - You now have access to additional complex and comprehensive financial advice services.
- Explore your new education hub - Check out our new super education hub to learn more about managing your super.
- Try our new super calculators - See how your super might grow in the future with our new online super calculators.
- Learn about non-lapsing binding nominations - You can now apply to make non-lapsing binding beneficiary nominations.
From 21 November
- Check your account details in Member Online - Login to Member Online to check and update your details. Your member number and account details have not changed. Your username and password will also be the same.
- Update the app - The Spirit Super app should automatically update to CareSuper. If it doesn’t, you may need to manually update from Google Play or the App store.
From 1 November
- Read your SEN - It has information about all the changes to your account.
- Read your transfer (exit) letter and welcome letter - It contains your new account details. Your old Client ID is now your Member Number. You also have a new Account Number.
- Let your employer know our new fund details - Your employer will need to use these fund details to make contributions to your CareSuper account.
Fund name |
CareSuper |
Superannuation Product Unique Superannuation Identifier (USI) | MTA0100AU |
Australian Business Number (ABN) |
74 559 365 913 |
Rest assured we have been proactively communicating with employers regarding our new USI and ABN, but it’s worth making sure they have them.
- Understand the limited services period - Know which services and transactions will be unavailable or delayed until 21 November 2024.
- Ask some questions - Sign up for a webinar to learn more about the merger and to ask questions.
From 21 November
- Check your account details in Member Online - Member Online has been updated. Use your email address or member number to log in. You’ll need to reset your password the first time you log in.
- Get the new app - Download the new CareSuper app from Google Play or the App store.
- Set up your post-tax contributions - If you previously made post-tax contributions using BPAY or direct debit, you need to set them up again. Your new BPAY details are in your welcome letter. Note, we won’t be accepting direct debit contributions after 22 October 2024.
Merger FAQs
For all members
Member Online will be temporarily inactive between 1 November and 20 November, but you can call us if you have any queries.
From 21 November, a new Member Online experience will be available. Continuing CareSuper members can log in with the email they currently use and by resetting their password. Former Spirit Super members can log in with their existing username and password.
Spirit Super members – your member number has not changed.
Continuing CareSuper members – your old Client ID is now your member number. You will receive a new account number in your welcome pack. This will be sent according to your communication preferences soon after the limited service period.
For former Spirit Super members
Pension payments will continue as usual during and after the merger, including through the temporary interruption to our services. Rest assured, both the amount and frequency of your payments will stay the same.
Please be aware that you will not be able to make any changes or request lump sum payments during the temporary services interruption.
Your pension name has changed to match the equivalent CareSuper income product. Don’t worry – this won’t impact your pension payments or how your account is managed.
Current product name | New product name as of 1 November 2024 |
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Control pension | Flexible income |
Transition Pension | Transition to Retirement Income (TTR income) |
Managed Pension | Managed Income |
Term Allocated Pension | Term Allocated Pension |
On 1 November 2024, the balance of your Spirit Super investment option(s) was transferred to equivalent CareSuper investment option(s).
Your super balance will not change, but the number of units you hold for each option will. You have been issued units based on the CareSuper unit prices effective 1 November 2024.
You now have access to 11 investment options. Our MySuper default option will continue to be the Balanced option.
You now have access to a new Direct Investment Option (DIO). This option lets you tailor your portfolio by combining your choice of a range of shares, ETFs, listed investment companies and term deposits with other CareSuper options. Please note: DIO is not available on transition to retirement (TTR) accounts.
You can check your account balance and investment details in Member Online after the temporary interruption to services ends on 21 November 2024.
Full details about your investment options — including asset allocation, risk rating, and investment objectives — can be found on our Investment options page.
Your insurance arrangements will remain the same from 1 November 2024, and your cover and any exclusions or conditions will automatically continue within CareSuper.
There have been minor changes to some insurance definitions, the paid parental leave fee waiver, and when cover stops. Details can be found in your Significant event notice.
TPD claims for events that occur on or after 1 November 2024 will be assessed under a new TPD definition, depending on your age and employment status at the date of becoming disabled.
See our Changes to Total and permanent disablement (TPD) definitions from 1 November 2024 for details.
Absolutely not. This is an important step in our fund’s journey. We are very proud of our Tasmanian history and the strategic growth of the fund is a great achievement for Tasmania. We are a successful, award-winning national super fund with a large proportion of our workforce in Tasmania. It’s also expected that Tasmanians will make up more than 20% of the membership of the merged fund. Our award-winning customer service model, developed in Tasmania, is being expanded nationally and Hobart will remain the primary operational hub for the fund’s operations.
Our growth means we can continue to attract and retain the people, skills and jobs Tasmania needs in this sector at the same time as providing greater strength and certainty for our members, many of whom are Tasmanians.
Both funds are member-focused, industry super funds. A combined fund will offer members competitive fees and returns, exceptional service and a focus on real care.
We’ll continue to be out there servicing Tasmanian members and businesses every day.
For continuing CareSuper members
No, your investments have not changed. For most members, your current account balance and future contributions will continue to be invested in your chosen investment selections. The one exception is if you are invested in Capital Guaranteed, this will be closed and your money will be moved into the Cash option.
From 1 November – 20 November, you can make an investment switch but will need to fill in a paper form available at caresuper.com.au. The switch will be processed effective the date it is received by the merged fund.
From 21 November you can register for your online account by resetting your password and then continue to make investment switches online.
For members in the employee and personal plan, the amount of insurance and the net cost of the insurance you had on 31 October 2024 will continue under the legacy insurance arrangements in the merged fund. If you apply to adjust your insurance (by increasing or decreasing your cover after 1 November 2024), the legacy insurance arrangements and associated costs will continue to apply to your cover, until your cover ceases or we advise you in writing. If you cease to hold legacy cover, you won’t be eligible for it again, however you may be eligible for CareSuper insurance cover under a different category.
If you’re part of a corporate insurance arrangement (CIA), your insurance cover changed on 1 November 2024.
See your employers microsite for your SEN for details.
To ensure your employer pays your super contributions correctly, you can advise them contributions need to be:
- received by CareSuper before 22 October: using our current USI and ABN
- from 1 November: using our new USI and ABN.
Rest assured we have been proactively communicating with employers regarding the recommended early payment date and service transition period, as well as the change to our USI and ABN.
Log in to the new look Member Online from 21 November to see when your last employer contribution was received.
Employers are required to pay super contributions at least quarterly. If you’re concerned a regular contribution(s) is missing, please speak to your employer or give us a call.
For all employers
From 1 November 2024, please use the following details to make contributions to CareSuper members:
Fund name | CareSuper |
Superannuation Product Unique Superannuation Identifier (USI) | MTA0100AU |
Australian Business Number (ABN) | 74 559 365 913 |
The CAR0100AU USI and 98 172 275 725 ABN closed at 11.59pm on 22 October 2024. Contributions received after this date (from 23 October) will be rejected and returned to the employer. You will need to make the payment again from 1 November 2024 using the new USI MTA0100AU and ABN 74 559 365 913.
Please be aware that the late SG payments will result in the super guarantee charge (SGC). If you did miss the Q1 SG due date, make the payment again and complete a SGC statement and lodge it as soon as possible with the ATO.
Former CareSuper member numbers pre-merger will change, and they will be sent a new member number. Former Spirit Super member numbers pre-merger remain the same.
When making a payment, this field can be left blank if the payroll system/clearing house allows it. If an employer requires a member account number to generate the contribution file from their payroll system, you can use the member’s pre-merger CareSuper account number or the member’s payroll number. The member account number is not an essential data-matching field for the purpose of processing contributions to a member’s account. Data matching is done primarily through name, DOB and TFN.
Our SENs detail all the changes as part of the merger and were sent to members via email or post. You can also download our SENs below.
Spirit Super | CareSuper |
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For continuing CareSuper employers
This will depend on the pending contribution File Status:
- New: As this file has not been submitted and/or authorised, these cannot be paid for or sent.
- Awaiting Authorisation: As this file has not been submitted and or authorised, these cannot be paid for or sent. The file will need to be uploaded again in the new portal and paid using the new EFT details.
- Authorised: Yes, if the funds are received by CareSuper by 11:59pm 22 October 2024. If the EFT is received between 23 and 31 October 2024, the contributions for CareSuper members will be rejected. Payment for CareSuper members will need to be made again using the same EFT details from 1 November 2024.
The employer will be able to pay for Authorised files using the EFT details in the read-only portal from 1 November 2024 to 31 October 2025. However, the employer may be subject to the Super Guarantee Charge (SGC) if the Q1 (July to September) contributions are received after 1 November 2024.
- New: As this file has not been submitted and/or authorised, these cannot be paid for or sent.
- Awaiting Authorisation: As this file has not been submitted and or authorised, these cannot be paid for or sent. The file will need to be uploaded again in the new portal and paid using the new EFT details.
- Authorised: Yes, if the funds are received by CareSuper by 11:59pm 22 October 2024. If the EFT is received between 23 and 31 October 2024, the contributions for CareSuper members will be rejected. Payment for CareSuper members will need to be made again using the same EFT details from 1 November 2024.
Yes, if a contribution file is authorised and funds paid for prior to 22 October, it will still be processed as normal and messages from CareSuper and other funds will be received.
If corrections are required for any employees, the employer won’t be able to make these adjustments until they receive their log in details for the new portal from 1 November and any transactions will need to be completed in the new portal.
Please be aware that the late SG payments will result in the super guarantee charge (SGC). If you did miss the Q1 SG due date, make the payment again as soon as possible from 1 November using the new portal and complete a SGC statement and lodge it as soon as possible with the ATO.
If an employer is using the old CareSuper USI in their data files, QuickSuper will redirect the USI to the new one automatically from 1 November 2024.
While the redirection will continue indefinitely, the employer may wish to wish to update their payroll system/files with the USI and ABN.
Fund name | CareSuper |
Superannuation Product Unique Superannuation Identifier (USI) | MTA0100AU |
Australian Business Number (ABN) | 74 559 365 913 |