Online Join Form

This form is for individuals wishing to join Mercer SmartSuper


Your Details

Date of birth

We use this to calculate your default insurance cover for you (if eligible).

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Your Tax File Number

By providing your tax file number to us your super will be eligible to access a number of tax concessions and benefits.

If you don’t have your TFN handy you can skip this step by clicking ‘Continue’ and provide it later.

Click to learn more about the benefits of providing your Tax File Number

Providing your Tax File Number

Under the Superannuation Industry (Supervision) Act 1993, super funds are authorised to collect your Tax File Number (TFN), to be used and disclosed should we be legally required to.

Although you don’t have to provide your TFN to us, if you do the following can occur:

  • You’ll avoid contributions from your before-tax salary being taxed at up to 47%, instead of just 15%.
  • We’ll be able to help find other super accounts you may have and combine them (often referred to as a ‘rollover’ or ‘consolidation’) into your new Mercer Super Trust account
  • You may be eligible for the government to co-contribute up to $500 into your super through the government co-contribution scheme.
  • We’ll be able to accept all permitted types of contributions on your behalf, including after tax contributions.
  • We’ll be able to work out any tax payable to the ATO when you receive your super payout or have unclaimed super money after reaching pension age.
  • We’ll be able to pass your TFN to any other super fund or account if you want to transfer your super to another fund (unless you tell us not to in writing).
  • We’ll be able to report details of contributions to the ATO to work out if any tax on contributions is applicable if you exceed certain limits
  • We’ll be able to pass your TFN to other Government agencies when we’re legally required to; and more.

If you don't provide your TFN:

  • You might pay more tax on contributions from your employer and certain other contributions you or someone else makes. Sometimes, you may be able to claim this back, however time limits and other rules may apply
  • We can only accept contributions from your employer. Other contributions like post-tax contributions (including personal contributions, co-contributions and some government contributions) can’t be accepted
  • You may pay more tax on your super (although you can claim this back when you lodge your tax return)
  • It could be difficult to find your super in the future if you change your address without notifying us, or combine any other super accounts you might have
  • The legal purposes for which we can use your TFN and the consequences for not quoting your TFN may change in the future.

Account Features

Investment options

When your account is open we'll automatically invest your contributions into our default (MySuper) investment option, Mercer SmartPath® – the investment allocation of which is based on your age and will change as you get closer to retirement age.

If you'd like to switch your investment strategy, you can do this online, once your account has been set up.

Insurance cover

Default Death and Total and Permanent Disablement (TPD) cover will be automatically applied to your super account when you reach age 25 or older, and you have an account balance of $6,000.

You can choose to have default insurance cover before meeting these requirements. Eligibility condition may apply.

You can find more information on the insurance options available to you, including tailored insurance cover, on our website, as well as in the Product Disclosure Statement, the ‘How Your Super Works’ booklet and the insurance booklet.

Phone Verification

Please nominate a four-digit PIN code, this will help us identify you when contacting our call centre.

Submit Form

There are just a few more items you need to read through so we can finish setting up your new Mercer Super account: 

I accept that I will be bound by the provisions of the trust deed and designated rules, which govern the operation of Mercer SmartSuper and the Mercer Super Trust. I have read and understood all the key documents including: the Product Disclosure Statement (PDS)Insurance booklet and Financial Service Guide, considered my personal financial circumstances, the suitability of this product and agree to the terms, conditions and provisions applicable to the Mercer Super Trust contained in those documents.

I have read the Privacy Collection Statement and consent to my personal information being collected, disclosed and used as described in the Privacy Collection Statement.

If I have provided my TFN, I agree for it to be used as outlined in the TFN Collection Statement.

All the information I have provided is true and correct.

Please check all checkboxes

Welcome to Mercer Super!

We’ll send you an email with all your new account details shortly. You’ll also find a summary of your account details below, and what to expect next.

Your receipt number

Getting started

To make the most of your membership there are a few steps you can take now, starting with the activation of your account and consolidating any other super accounts you may have.

If you’ve had more than one job, there’s a chance you’ve got more than one super account, and you may not even be aware of it.

You can combine any other super accounts you may have into your new Mercer Super account, potentially saving you from multiple fees which can reduce your savings. Before consolidating all or part of any other super accounts you hold, you should carefully consider how this may have an impact on your existing insurance cover, contribution, and tax arrangements.1 Combining all of your super accounts is one of several steps you can take to help secure your financial future.



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Date of birth

1Combining your super can be a significant financial decision. If you decide to combine all or part of your other super account(s), carefully consider how this may have an impact on your existing insurance, contribution and tax arrangements, fees or charges, or any other benefits you may lose. If you intend to claim a tax deduction on your personal contributions, you will need to provide your existing fund with a notice of intent to claim before combining your super. We recommend you seek financial advice before deciding whether to combine your super accounts.

Investment options and Insurance cover

When your account is opened, we’ll invest your super contributions in our top performing2 and award-winning3 default (MySuper) investment option, Mercer SmartPath®. The investment allocation of which will be based off your age and change with you as you get closer to retirement.

For all new members, automatic cover applies when you are aged 25 and over, and your account reaches $6,000. If appropriate you can also choose to apply for cover before you reach these thresholds. Eligibility conditions may apply.

More information on insurance options are available at, as well as in the Product Disclosure Statement, the ‘How Your Super Works’ booklet and the Insurance booklet.

Next steps

  • Your new account details: Look out for an email from us that includes all your account details and how to access your new online account.
  • View or make changes to your account: Once you’ve activated your online account you’ll immediately be able to:
    • Check your balance, contributions, and investment options
    • Review and update your investment and insurance details
    • Apply for Income Protection
    • Nominate or update your beneficiaries
    • Add your Tax File Number (TFN) if you haven’t already provided it to us
    • Access e-Advice
    • Access our easy-to-use tools which can help you
      • Find and combine your super
      • Estimate your retirement income
      • Estimate your insurance cover needs, and
      • Determine which investment options match your investment style and goals

We’re here to help

If you have any questions, call us on 1800 682 525 between 8.00am and 7.00pm Monday to Friday (AEST/AEDT). If you're calling from outside Australia, call +61 3 8306 0900. Alternatively visit to learn more.


2Mercer Super Trust’s analysis of Mercer SmartPath after investment fees and tax, compared to the median of all default funds reported in SuperRatings Fund Crediting Rate Survey – Default Options as at 30 June 2023. Note: While Mercer Super did not feature in the official June 2023 survey, Mercer Super is captured in the revised data file. Based on Mercer SmartPath membership data as at 31 March 2023 and for members invested for the full 2022/23 financial year.


3Mercer Super has been recognised with several SuperRatings awards, including SuperRatings’ highest platinum rating for both our Allocated Pension Division (now known as Mercer SmartRetirement Income) and Corporate Superannuation Division products. These products also received SuperRatings Platinum Performance awards, based on investment returns, fees, insurance, member servicing, administration and governance for 15 years. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit for ratings information and to access the full report. © 2023 SuperRatings. All rights reserved.

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