If you have changed jobs or want to rollover your super, you may have been asked to provide a Unique Superannuation Identifier, or USI. Here we break down what a USI is and where you can find it. Show What is a USI?A USI is a number that is used to identify different super funds and specific superannuation fund products. You may be asked to provide a USI when you are changing super funds and transferring some or all of your super balance between funds. You’ll also usually need to provide it if you are changing jobs and want to stay with your current super fund. However, this may no longer be required once the government’s super ‘stapling’ rule comes into effect from July 2021. Under these changes, workers will automatically keep their super fund when they change jobs. USI numbers were introduced in July 2014. The USI is used in the ‘SuperStream’ system. This is the system that businesses must use to pay employees’ super contributions. Previously, super funds may have used either an Australian Business Number (ABN), Superannuation Product Identifier Number (SPIN), or a Superannuation Fund Number (SFN). The USI has now replaced all of these for APRA-regulated super funds, however, some Self-Managed Super funds (SMSFs) may still have an ABN. How do I find my super fund’s USI?The USI can often be found on your annual super statement or super fund’s website. It is typically provided in the super funds’ Letter of Compliance or in its Frequently Asked Questions (FAQs). A super fund may have only one USI or it may have a USI for each super product. You can also find your fund’s USI through the Australian Taxation Office (ATO)’s USI and SPIN Lookup Table. The ATO’s table lists the following information:
Compare Superannuation Do I have a USI for my self-managed super fund (SMSF)?SMSFs do not have a USI as they are not regulated by APRA. Instead, to use SuperStream you will need the SMSF’s ABN, bank account details and electronic service address to make SuperStream contributions. Compare SMSF Savings Accounts Compare super funds with CanstarIf you are thinking about changing super funds, it’s a good idea to compare funds on factors such as investment performance, fees, insurance premiums and product features. Canstar considers these factors when rating super products, so using our comparison tables could be a good starting point. Compare Superannuation with CanstarThe table below displays some of the superannuation funds currently available on Canstar’s database for Australians aged 30 to 39 with a super balance of up to $55,000. The results shown are sorted by Star Rating (highest to lowest) and then by 5 year return (highest to lowest). Performance figures shown reflect net investment performance, i.e. net of investment tax, investment management fees and the applicable administration fees based on an account balance of $50,000. To learn more about performance information, click here. Consider the Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the TMD. Use Canstar’s superannuation comparison selector to view a wider range of super funds. Canstar may earn a fee for referrals. Glossary Provider Star Rating Annual fees at $50k balance 1 year return 5 year return Glossary Aware Super | Personal - High Growth More details 
$517 Glossary -3.9% Glossary High Growth Glossary 7.3% Glossary High Growth Glossary Active Super | Lifestage - Accelerator Link Not Supplied $621 Glossary -1.1% Glossary Lifestage - Accelerator Glossary 7.2% Glossary Lifestage - Accelerator Glossary Hostplus Super | Personal - Balanced Link Not Supplied $650 Glossary -0.3% Glossary Balanced Glossary 7.2% Glossary Balanced Glossary AustralianSuper | Balanced More details $447 Glossary -1.4% Glossary Balanced Glossary 6.9% Glossary Balanced Glossary UniSuper | Personal Account - Balanced (MySuper) More details $336 Glossary -1.7% Glossary Balanced (MySuper) Glossary 6.6% Glossary Balanced (MySuper) Glossary View more Superannuation products View Important Information
Performance and Investment Allocation Differences
Cover image source: iStock.com/pamspix Thanks for visiting Canstar, Australia’s biggest financial comparison site*This article was reviewed by our Deputy Editor Sean Callery and Finance and Lifestyle Editor (former) Shay Waraker before it was updated, as part of our fact-checking process. TAMIKA SEETO Finance Journalist Tamika is a former Finance Journalist at Canstar. She covered banking and general insurance. She has a Bachelor of Journalism and Bachelor of Laws (Honours) at QUT. Her work is regularly referenced by major publishers, such as The Guardian, ABC, Yahoo Finance, The Motley Fool and The Conversation. Does every student have a USI?You'll need a USI if you are a: new or continuing student undertaking nationally recognised training. higher education student in a Commonwealth supported place or graduating in 2023 and beyond.
Do you automatically get a USI?No. If you did any Vocational Education and Training (VET) after 2015, you will already have a USI. You can find your USI now or call 1300 857 536 for help.
How do you know if you have a USI number?Enter the mobile number saved on your USI account and your date of birth and click 'Submit'. You will receive an SMS containing your USI details. If you do not receive an SMS, please contact us.
What happens if you don't have a USI?If you don't have a USI, you can create your USI online via the USI Australian Government web page. The process to get a USI normally only takes a few minutes. For support in creating your USI, you will need to contact the government department directly.
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Does everyone have a USI number?
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