Unique superannuation identifier: why it matters

Have you ever noticed the term 'unique superannuation identifier' (USI) popping up in your superannuation paperwork or online statements?

Let’s learn what this number is all about and how you can quickly locate yours when you need it for a form.

A unique superannuation identifier (USI) is a code used to identify your superannuation fund or a specific product within it.

It helps direct contributions—whether from your employer, personal payments, or rollovers from another fund—so they get to the right place. Some funds have a single USI for all their products, while others assign different codes for each one.

That means each time you move jobs, switch funds, consolidate accounts, or open new ones, you’ll need the correct USI for all the forms and paperwork those processes entail.

Think of it like a BSB for your super, helping in-transit contributions land safely at their destination.

Your USI is hard to miss: if you can’t find it, it’s almost like you’re trying to avoid it. Here are just a few of the places your USI may be lurking:

• On your super statement, usually right next to your account details.
• In your online super account, under fund or account details.
• The ATO’s handy Super Fund Lookup tool (just lookup the fund by name).
• Your fund’s website, usually on an ‘important numbers’ page.

Still can’t find it? Your employer’s HR or payroll team will probably have it, or you can contact your fund directly. 

The USI is public information, so it’s completely safe to share with your employer or include on forms.

However, the ATO has highlighted a couple security risks related to how USI data is handled by organisations like funds, employers and banks. For example, unauthorised changes to a fund’s bank account or service address details could result in contributions being misdirected.

While these risks aren’t caused by anything you do, it’s still a good idea to keep an eye on your statements, use secure passwords for online accounts and verify anything unusual with your fund.

The USI is a simple but important tool for keeping your super contributions on track. Knowing where to find it and how it works makes managing your superannuation a breeze.

Interested in learning more about superannuation and how to manage your funds effectively? For a deeper understanding of everything super, visit our superannuation guides hub and take the next step in securing your financial future.