Your Cruelty Free Super member number which you can find by logging into your account
Our USI/SPIN: 43 905 581 638 021
Our ABN: 43 905 581 638
You can find all these details on the pre-filled super choice form which you can download from our ‘Tell My Employer’ or Docs & forms page.
How do I transfer previous super accounts or lost super to Cruelty Free Super?
If you have added your TFN to your Cruelty Free Super account, you will be able to use the 'Find or combine my super' feature.
The 'Find or combine my super' feature uses data from the ATO to search for any previous or lost super accounts. It also gives you the option to combine these accounts into your Cruelty Free Super account.
Alternatively, you can find your lost, active and inactive super through your MyGov account if it’s linked with the ATO.
Please note that super funds are only required to report to the ATO once every 12 months. So, if your previous super account was made within that time and it's not showing in the results, contact our team at hello@crueltyfreesuper.com.au and we can help you with alternative methods.
Before combining your super, consider the possible effects this might have on things like the fees you pay, the conditions of your insurance (including whether you can transition your insurance in your other fund) and the tax on your super. There could be other effects too, so it’s best you seek financial advice if you’re unsure.
Where can I find my member number?
You can find your member number by logging in to your Cruelty Free Super account, or by referring to the pre-filled super choice form which you can download from our Tell my employer page.
Why is my balance zero when I have super on my payslip?
When you see super on your payslip, unlike your wages, it does not necessarily mean that it’s been paid.
The super you see on your payslip is the amount of super you have earned for that particular pay period.
Your employer can choose how often they pay super you super (e.g. fortnightly, monthly etc.), it doesn’t have to be paid at the same time as your wages.
By law, your employer is required to make a payment at least every 3 months. So, if you have only started working for your employer within the last 3 months, they may not have made a payment to your account yet, explaining why your balance is still zero.
You can ask your employer how often they pay super to get a better idea of when to expect your super payments.
Cruelty Free Super will send you a notification when you receive a contribution!
See the table below for the break-down of the quarterly periods and when the payment is due.
Period
Due Date
1 January - 31 March
28 April
1 April - 30 June
28 July
1 July - 30 September
28 October
1 October - 31 December
28 January
For example, if you have a payslip showing super for the period 10-17 July, your employer doesn’t need to pay this amount until October 28.
Where can I find my super account details to give to my employer?
Pro tip: We’ve created easy pre-filled versions of the super choice form and the ATO Super Choice Form.
You can log into your account, and go to Tell My Employer to download or email yourself a copy.
To help you fill out this form, our fund details are:
You can find your member number by logging into your Cruelty Free Super account.
Where can I find your ESA, BSB and account number?
It sounds like you might be filling out the ATO’s super choice form. But you’ve selected the wrong type of fund - those details are only required for Self-Managed Super Funds (SMSF).
If you are a Cruelty Free Super member, tick “My existing super fund” and you should complete Section B of the ATO super choice form.
To help you fill out this form, our fund details are:
Cruelty Free Super’s SPIN is the same as our USI which is 43 905 581 638 021.
What is super?
Superannuation is money for your retirement. You accumulate super while you are working in order to provide you with an income in retirement.
If you are aged 18 or older, your employer is generally required to pay you 12% on top of your ordinary time earnings into a superannuation account. This increased from 11.5% on 1 July 2025.
What is SG?
SG stands for Superannuation Guarantee and is the super your employer is required to pay. This is currently 12% of your ordinary time earnings. This increased from 11.5% on 1 July 2025.
How much super should my boss pay me?
Your boss must pay you a minimum of 12%* of your ordinary time earnings (OTE) if you are aged 18 or older. Ordinary time earnings include your regular income, bonuses, commissions and loadings.
If you are under 18, your boss must pay you a minimum of 12%* of your ordinary time earnings if you work over 30 hours in any given week.
*This increased from 11.5% on 1 July 2025.
How long can it take for a contribution to be seen in my account?
Up to 5 business days.
What’s contributions tax?
The government takes contributions tax from all concessional (before-tax) super contributions, like employer contributions.
It’s a tax charged by the government, not a fee deducted by Cruelty Free Super. It applies to every super fund and occurs each time a concessional contribution comes in.
You cannot opt-out of this tax or claim it back on your tax return.
If you have provided your TFN, the contributions tax rate is 15%.
If you earn below $37,000 you may be eligible for an automatic refund of some or all of your contributions tax. You can find out more about this under ‘Low Income Super Tax Offset’ on our government incentives page.
get a copy of a document showing your old name and new name certified, if it is:
a. a legal name change: the document can be a marriage certificate or change of name certificate b. not a legal name change: complete a statutory declaration explaining the reason for the change – for example, you signed up using a nickname.
We charge fees to cover the general cost of managing your account and the investments we make on your behalf.
I can’t log into my account; can you help me?
We can help you with this! Please send us an email at hello@crueltyfreesuper.com.au. So that we can locate your account, please let us know your:
Full name
Date of birth
Member number
Residential address (including postcode)
We will then be able to confirm the mobile number and email on your account so you can reset your password and login.
How can I change my password?
Please go to the Cruelty Free Super login page and click on the 'forgotten your password' link. It will ask for your email or member number, date of birth and mobile number. We will send you a code via SMS to reset your password.
If you don’t receive a code to your mobile number, we may have an old number registered on your account. Please send us an email at hello@crueltyfreesuper.com.au. So that we can locate your account, please include the following information in the email:
Full name
Date of birth
Member number
Residential address (including postcode)
We will then be able to confirm the mobile number on your account, and update this for you if this is outdated.
How do I update my mobile number?
Our Member Services Team can help you with this. For us to locate your account and update your mobile number, please send us an email at hello@crueltyfreesuper.com.au with the following details:
Full name
Date of birth
Member number
Residential address (including postcode)
New mobile number
You can find your member number by logging in to your Cruelty Free Super account, or by referring to the pre-filled super choice form which you can download from our Tell my employer page.
How do I change my email address?
Simply log into your Cruelty Free Super account, click on My Profile in the main menu. From there you will be able to update your email address.
How do I change my residential address?
Simply log into your Cruelty Free Super account, click on My Profile in the main menu. From there you will be able to update your residential address.
get a copy of a document showing your old name and new name certified, if it is:
a. a legal name change: the document can be a marriage certificate or change of name certificate b. not a legal name change: complete a statutory declaration explaining the reason for the change – for example, you signed up using a nickname.
Here are some places to check when searching for your TFN:
Login to your myGov account
Payment summaries from your employer
Lodged income tax returns (this would be from the ATO)
Ask your accountant
Or you can call the ATO, they will be able to help you locate your TFN.
I want to link my super account with MyGov to get access to the ATO. Where can I find my super details to do this?
Our Member Services team can help you out! Send us an email at hello@crueltyfreesuper.com.au with the following details:
Full name
Date of birth
Member number
Residential address (including postcode)
We need this information for security reasons and so we can locate your account.
How old do you have to be to have a super account?
There is no minimum age to have a super account.
At what age can you receive super contributions?
There are two types of super contributions: employer and member contributions;
1. Employer contributions are super guarantee payments.
You are eligible for super guarantee payments if you are over 18 and working. If you’re under 18 you need to work more than 30 hours a week to be eligible.
2. Member contributions include:
personal contributions
spouse contributions
contributions by parents, family or friends
government co-contributions
From 1 July 2022, if you are under 75, you can make or receive member contributions. See the ATO website for more information.
These contributions can be made or received if you have a Tax File Number (TFN) added to your Cruelty Free Super account. Read more about getting a TFN on the ATO website.
How do I set up a third party authority?
You can do this by logging into your account and going to the ‘Third Party Access’ page. Under ‘Third party access’, you can manage all your third party authorisations. You can view, add, delete, and edit.
If you’d like to check if you have a current third party authority on your account, please email hello@crueltyfreesuper.com.au.
What is third party authority?
Setting up third party authority will give other people (like financial advisors, lawyers, family members) access to information about your super account.
You can allow the following people to receive information about your account:
Relative
Firm – it is important to know that if you nominate a firm, this allows any person that claims to act or represent the firm to access information about your account.
Legal representative
Financial planner – individual
Third parties can only access “read only” information, they are not able to make changes to your account.
To manage your third party authority, log into your account and go to the ‘Third Party Access’ page.
If you’d like to check if you have a current third party authority on your account, please email hello@crueltyfreesuper.com.au.
How do I delete or cancel a third party authority to my account?
You can do this by logging into your account and going to the ‘Third Party Access’ page. Here you will be able to view all the people that have access to view your account information.
Click on the person/firm who you’d like to remove access for and select “delete authorisation” to remove them.
If you’d like to check if you have a current third party authority on your account, please email hello@crueltyfreesuper.com.au.
How do I nominate a Power of Attorney as my third party authority?
If you are authorising a Power of Attorney, you will need to:
1. complete a Third Party Authority Form, you can find this form on our Docs & forms page, and
2. get a copy of your ID certified.
Post the completed form along with your certified ID to our administrator:
PO BOX 886 Wollongong NSW 2500
Certifying a document takes just three easy steps:
Take a photocopy of the original document (e.g. your driver’s licence).
Take both your original document and the photocopy to an authorised person who can certify them.
Get the authorised person to stamp or write on each page of the photocopied document ‘I certify this to be a true copy of the document shown and reported to me as the original’, followed by their signature, full name, qualification, registration number (if applicable) and the date.
The original document must be current (i.e. valid and not expired), and the copy must have been certified in the last 12 months prior to being received by the Fund.
People who can certify your document include a:
Teacher employed on a full-time basis at a school or tertiary education institution.
Healthcare professional such as medical practitioner, nurse, pharmacist, dentist, optometrist, chiropractor, physiotherapist or psychologist.
Justice of the peace.
Police officer.
Legal practitioner.
Member of a professional accounting association.
Permanent employee of Australia Post with five or more years of continuous service who is employed in an office supplying postal services to the public.
My accounting software can’t find your super fund, how can I make a payment?
You will need to contact your accounting software provider to ask them to add our super fund. All you will need to provide them with is our Letter of Compliance which you can find here.
Alternatively, if you have less than 20 employees, you can use the free ATO Small Business Clearing House to make super payments to your employee.
Remember that employees have the right to choose their own super fund. If they’ve asked to be paid into Cruelty Free Super it’s important you facilitate this.
I’ve made a mistake paying an employee - how can I get a refund?
That’s no problem! Please email us at hello@crueltyfreesuper.com.au and our Member Services Team will send you our Refund Request Form. Once completed, please send it back to us so that we can refund the payment.
How do I certify my documents?
Certifying a document takes just three easy steps:
Take a photocopy of the original document (e.g. your driver’s licence).
Take both your original document and the photocopy to an authorised person who can certify them.
Get the authorised person to stamp or write on each page of the photocopied document ‘I certify this to be a true copy of the document shown and reported to me as the original’, followed by their signature, full name, qualification, registration number (if applicable) and the date.
The original document must be current (i.e. valid and not expired), and the copy must have been certified in the last 12 months prior to being received by the Fund.
People who can certify your document include a:
Teacher employed on a full-time basis at a school or tertiary education institution.
Healthcare professional such as medical practitioner, nurse, pharmacist, dentist, optometrist, chiropractor, physiotherapist or psychologist.
Justice of the peace.
Police officer.
Legal practitioner.
Member of a professional accounting association.
Permanent employee of Australia Post with five or more years of continuous service who is employed in an office supplying postal services to the public.
Preservation age is the age you can access your super when you are retiring or transitioning to retirement.
Your preservation age will depend on when you were born and is between 55-60 years old. You can find the breakdown on the ATO’s website.
You can access your super if you have reached 65 years of age, regardless of your working status.
If you haven’t reached preservation age
If you are under preservation age, you can access your super in limited circumstances such as:
On compassionate grounds
Due to severe financial hardship
Due to a terminal medical condition
Due to temporary or permanent incapacity
You can check out the ATO page for more information.
How can I close my account if it has no money in it?
Our Member Services Team can help you close your account. Please send us an email at hello@crueltyfreesuper.com.au and we can close it for you. For security reasons, you will need to confirm your:
Full name
Date of birth
Member number
Residential address (including postcode)
You can find your member number by logging in to your Cruelty Free Super account, or by referring to the pre-filled super choice form which you can download from our Tell my employer page.
How can I close my account if it has money in it?
We’re sad to see you go :(
If your Cruelty Free Super account has money in it, you will need to create an account with a new fund and transfer your balance. Please contact your new super fund for help with this.
Once the transfer has processed and your entire balance has been moved to another super fund, your account with us will be automatically closed. You don’t need to worry about letting us know.
I’m leaving the country permanently and want to access my super. How do I do this?
We’re sad to see you go :(
If you are leaving the country permanently, or your visa is expiring/cancelled and you want to claim your super, you can submit an application for a Departing Australia Superannuation Payment (DASP) via the ATO. We have more information about applying for a DASP here.
How do I make a DASP claim?
We’re sad to see you go :(
If you are leaving the country permanently, or your visa is expiring/cancelled and you want to claim your super, you can submit an application for a Departing Australia Superannuation Payment (DASP) via the ATO. We have more information about applying for a DASP here.
How do I apply for financial hardship?
We are sorry to hear that you are experiencing financial hardship and we will do everything we can to help you through this process. To be eligible to access your super you must meet this criteria.
If you meet this criteria, you can apply by emailing us at hello@crueltyfreesuper.com.au and request a Financial Hardship Application Form. You’ll need to fill out the form and send it back to us, along with:
A Centrelink Q230 or Q251 letter dated within 21 days
Centrelink Income Statement dated within 21 days
Evidence of your income
Proof of debt to support the amount being requested
Certified ID
I am deaf, have a hearing or speech impairment, do you have an option to support me contacting the fund?
If you’d prefer to have a phone based conversation, you can contact us through the National Relay Service (NRS). The NRS has specially trained staff called relay officers who act as a bridge between you and the organisation you’re calling —in this case Cruelty Free Super.
Find out more about the National Relay Service here.
I don’t speak English; do you offer translation services?
We are registered with the Translating and Interpreting Service (TIS). You can use this service to access an interpreter who can assist you to have a conversation with us.
Call TIS on 131 450, follow the prompts and quote “Cruelty Free Super” and our phone number 1300 096 631 as the organisation you’d like to connect with. TIS will connect you with an interpreter and the fund.
What is the difference between binding or non-binding beneficiary nominations?
There are two types of beneficiary nominations:
1. Non-binding beneficiary nomination This nomination is who you would prefer to receive your super benefit. The Trustee will take your nomination into account, but they are not legally bound to follow it. This nomination does not expire.
2. Non-lapsing binding beneficiary nomination This nomination gives you greater certainty on who will receive your super benefit. The Trustee must pay your super to the person(s) you have nominated if you have a valid non-lapsing binding nomination in place. This nomination does not expire.
There are five categories of people you can nominate as a beneficiary to your super. They include a Legal Personal Representative (LPR), a spouse, children, financial dependent or a person you’re in an interdependent relationship with. Read more about these categories here.
How do I update or cancel a beneficiary?
Both types of beneficiary nominations are non-lapsing, which means they don’t expire. It is important that if your circumstances change, you review your beneficiary nominations. You can update your beneficiary nominations at any time.
If you want to update your beneficiaries nominated, you can simply complete a new Beneficiary Nomination Form, you do not need to complete the cancellation form, the new form will override your previous nomination.
What is salary sacrificing into Cruelty Free Super?
Salary sacrificing is an arrangement you make with your employer to sacrifice some of your pre-tax income into super. This lets you grow your super faster while potentially lowering your taxable income, and thereby potentially reducing the amount of tax you need to pay.
What is a stapled super fund?
A stapled super fund means your existing super fund will automatically follow you when you change employment. This is to avoid multiple super accounts from being created each time you switch jobs. Having one super account means you won’t pay any duplicate fees.
As part of the Your Future, Your Super reforms, stapling came into effect from 1 November 2021.
Why do I see Professional Super / Student Super / Cruelty Free Super / Engineering Super / Mobi Super on my payslip when I’m only a member of Cruelty Free Super?
The reason the fund name appears as "Professional Super / Student Super / Cruelty Free Super / Engineering Super / Mobi Super", is because these funds all operate from the same sub-fund, Professional Super. Super funds share sub-funds and Master Trusts to lower costs and operate more efficiently.
Why do I have three BPAY biller codes for contributions?
There are three different contribution codes to make it easy to identify contributions so they can be allocated to your account correctly.
1. “A personal contribution made by me” – these are classified as personal contributions. Personal contributions can go towards the First Home Super Saver Scheme, and by making a personal contribution, you could claim a tax deduction or be eligible for the Government Co-contribution.
If you are under 18 or have directed your parent or relative to make a personal contribution on your behalf for funds you are otherwise entitled to, they can also contribute to your super account by using these BPAY details.
2. “A contribution made by my spouse” – these are spouse contributions into your super account. The ATO defines a “spouse” as married or de facto. They don’t need to be a Cruelty Free Super member to contribute to your account.
Your spouse should use these BPAY details to make their contribution to your super.
For more information about spouse contributions, check the ATO website.
3. “Other contributions” – these contributions are made by other third parties that don’t meet the other criteria.
For more information including definitions of each third party, check out the ATO website.
The process for third party contributions is different.
Log into your account and provide the BPAY details to the third party to make “other contributions”.
Download the form and send this to the third party to complete. This is required so we know the type of contribution so it can be allocated to your account correctly. For reccurring contributions that are the same contribution type, from the same third party and for the same amount, the third party only needs to complete the form once. If these are different, a new form is required each time.
Email the form back to hello@crueltyfreesuper.com.au Please provide us with the completed form within 28 days, otherwise it will be returned to your bank account.
How can I make personal contributions?
You can make personal contributions via BPAY.
Log into your super account and go to ‘Make a contribution’. Under ‘A personal contribution made by me’ (first option!), you will be able to see your personalised BPAY details to make a transfer.
What is the government co-contribution?
The superannuation co-contribution is an initiative that helps low and middle-income earners to build their super savings. If you earn less than $62,488 between 1 July 2025 and 30 June 2026, and make personal contributions to your super fund, then you could receive an additional super payment of up to $500 from the government. Read more about government incentives here.
I received a letter from the ATO saying Cruelty Free Super is my stapled fund, what does this mean?
The idea behind “stapling” is to avoid people opening multiple super accounts and paying duplicate fees.
Your new employer may ask the ATO for details of your existing super fund, so they can continue to pay your super into that fund.
Your new employer can make this “stapling request” to the ATO if you did not notify them, in writing, of what fund you would like them to use.
You don't need to do anything if you want your super to be paid into your stapled account.
If you want to change where you super is paid, you can contact your employer to organise this.
Where can I find the Letter of Compliance?
You can find a copy attached to your ‘Welcome Email’, or you can download a copy here.
I’m self-employed, how do I make contributions?
You can make contributions via bank transfer to your Cruelty Free Super account.
Log into your account and go to Make a contribution and you will be able to see the BPAY details to make a personal contribution.
What are spouse contributions?
These super contributions are contributions from your spouse (married or de facto) made into your super account.
For your spouse to make a contribution into your Cruelty Free Super account, log into your account and go to Make a contribution. Choose the “A contribution made by my spouse” option and follow the steps.
What are the tax offsets for spouse contributions?
If your spouse (married or de facto) is earning less than $40,000 per year or not earning any income, you may be able to claim a tax offset on contributions made into their super account. These apply to contributions you made using your after-tax salary.
Read more about the eligibility on the ATO website.
Where can I find the companies you invest in?
You can find our full investment portfolio on our website by heading to the Docs & forms page – the investment portfolio can be found under “Portfolio Holding Disclosure”.
Do you offer insurance?
Cruelty Free Super’s insurance provider is AIA Australia Ltd. The following insurance cover is available:
Death cover
Death and Total and Permanent Disablement (TPD) cover
Income Protection cover
For more info about our insurance cover, check out our Insurance Guide.
How do I apply for insurance?
If you joined Cruelty Free Super within the last 60 days you’ll be able to apply online for death or death and TPD insurance.
After 60 days have passed, you’ll need to email our Member Services Team at hello@crueltyfreesuper.com.au to obtain an insurance quote, then we can send you a copy of the insurance application form.
If you have an existing insurance policy with another super fund, you may be able to transfer this cover to Cruelty Free Super. Just ask our Member Services Team at hello@crueltyfreesuper.com.au for an Insurance Transfer Form.
I have insurance with my other super fund, can I transfer it to Cruelty Free Super?
Yes you can! Please contact our Member Services Team at hello@crueltyfreesuper.com.au and ask for an Insurance Transfer form.
It’s important to note that you only have 30 days from when you leave your other fund to complete the insurance transfer. With this in mind, you may prefer to apply for the insurance transfer before you transfer your funds into Cruelty Free Super and close your other account.
How much insurance do you need?
The level and type of insurance you require depends on your personal circumstances and needs. When selecting insurance cover, these are some of the points to consider:
How would your family make ends meet without your income?
How much do you currently owe on mortgages, loans and other financial commitments?
What are your day-to-day expenses, such as groceries, utilities and school fees?
You should also speak to a financial advisor for personal advice tailored to you.
I’m retired, how do I withdraw my super?
If you have reached your preservation age and retired, you can contact our Member Services Team at hello@crueltyfreesuper.com.au to ask for our Withdrawal Form.
You’ll need to fill out the form and post it to our administrators, along with:
Certified ID
Copy of your bank statement
How do I switch investment options or change my investment mix?
Under Your current allocation, click the button “Change my investment option” - there are sliders which you can move to change the percentage allocated to each investment option.