Frequently Asked Questions

Get answers to some of our commonly asked questions.

Member FAQs

What is Cbus' ABN?

The Cbus Fund ABN is 75 493 363 262.

You may need this number if you want to consolidate your super from another fund into Cbus.

The Trustee ABN is 46 006 261 623.

What is Cbus' Unique Superannuation Identifier (USI)/ Superannuation Product Identification Number (SPIN)?

The Cbus USI / SPIN is CBU0100AU.

You may need this number to consolidate your super online.

If you are an employer, you may need it to make contributions.

Super Income Stream (SIS) members:

The Cbus SIS USI / SPIN is 75493363262001.

Who can join Cbus?

Anyone can join Cbus. You don't have to work in the building and construction industry.

Joining us is easy and you can do it online.

Why choose Cbus?

we're run only to benefit members - we're an industry fund, so all the benefits go straight back to you
we have flexible investment options, with a history of strong, long term performance^*
we offer competitive fees
we have a dedicated advice team offering support that's in your best interests.

Find out more about joining us.

*Past performance is not a reliable indicator of future performance.

How do I access my account online?

How to create an online account

Stay on top of your super by creating a secure online Cbus account.

Request an activation email - for members who joined Cbus online but have not yet created an online account.

Register for your online account - for members who joined Cbus via their employer.

Where to find your member number

You can find your member number on your:

Cbus member card

Annual statement

Record of contributions (also called your super summary).

How to reset your password

If you don't know your online account password, you can fill in your details, and we’ll email you a temporary password:

Member Online requests – for members still building their super or for those receiving regular payments via an income scream.

Employer Online requests - for employers managing their super payments online.

How to download the mobile app

For quick and easy access to your super, download the Cbus mobile app. You will need to enter your login credentials once you have downloaded the app.

Where do I find my member number?

You can find your member number by using our Find my member number online tool.

Alternatively, you can find it on your:

Cbus member card
Annual statement
Record of contributions (also called your super summary).

What do I do if I've forgotten my password or account login details?

If you don't know your online account password, you can fill in your details and we’ll email you a temporary password:

Member Online request password – for members still building their super.

Income Stream account request password - for members who are receiving regular payments via transition to retirement or super income stream.

I've lost my member card. How do I get a new one?

If you have lost your Cbus member card, you can call us on 1300 361 784 to request a new one.

You will be asked several questions about yourself first, so we can identify you as the account holder.

I've started a new job or changing my job, what do I need to do?

Changing jobs doesn’t mean you have to change super funds. We've made notifying your employer about your Cbus super account easy to do.

To stick with Cbus Super, log in to your account and select Super | Notify my employer to do the following:

Send your employer your membership details
View your Cbus Super account details
Or download a prefilled form and provide to your employer

Or you can download and fill in the I want my super paid into Cbus form (PDF) and hand it to your new employer. Or they may give you a different form you can use to choose where you’d like your super to go.

If you don’t tell your employer you want to stay with Cbus, they may pay your super into a different fund, which may not be right for you.

Learn more about keeping your super with Cbus.

How do I consolidate my super from other funds into my Cbus account?

The more funds you have, the more fees you pay. So, it’s important to consider consolidating your super. One fund means one set of fees and it’s easier to keep track of everything. Before consolidating your super into your Cbus account, review all the relevant information you need before you make the decision to consolidate.

To consolidate your super:

Online	Post	Call
Locating your other super accounts is easy. Login to your online account and search for your super with the ATO using your Tax File Number. You'll need to verify your identity so have your ID ready.	You can use the Combine your super form (PDF) to: Consolidate your super (if you know the details of your other funds) Ask us to search for lost or other super for you.	If you don’t know the details of your other funds you can call us on 1300 361 784 and with your permission we can search for lost or other super for you. We’ll need to verify it’s you so have your ID handy.

Online

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Locating your other super accounts is easy. Login to your online account and search for your super with the ATO using your Tax File Number.

You'll need to verify your identity so have your ID ready.

You can use the Combine your super form (PDF) to:

Consolidate your super (if you know the details of your other funds)
Ask us to search for lost or other super for you.

If you don’t know the details of your other funds you can call us on 1300 361 784 and with your permission we can search for lost or other super for you.

We’ll need to verify it’s you so have your ID handy.

If you’d prefer to search for lost super yourself, you can use the ATO’s myGov service.

If you have a Cbus Super Income Stream, you can’t add funds to your existing account but you can combine other funds with your account balance by starting a new super income stream account. Call us on 1300 361 784 for any questions.

How do I choose the right investment option for me?

Before you make any changes to how your super is invested, it’s important to get financial advice.

The decisions you make now can have an impact on how much money you’ll have later in life. To maximise your super, you’ll need to consider a balance of risk and return that suits you and your stage of life.

As part of your membership, Cbus Advice Services can help you with:

choosing your investments
completing your Investment choice form.

Read more about the Cbus Advice Services.

I think my employer isn’t paying my super. What can I do?

To check if your super is being paid on time, you can:

login to your online account any time to check you are receiving your contributions
call us on 1300 361 784 , Monday – Friday 8am – 8pm (AEST/AEDT)
ask your employer which fund they are paying your super into (it may not be Cbus), how much they are paying and how often. It’s important to check with your employer that all you super details are correct
speak to your Cbus Coordinator - they can quickly check if your employer is making their contributions.

Read more about unpaid employer contributions.

Can I access my super before I retire?

Super is generally 'preserved' in your fund until you retire from the workforce.

See question below for more details about preservation age.

In the following circumstances Government legislation allows for the early release of preserved super benefits before your reach your preservation age:

severe financial hardship
compassionate grounds (including permanent incapacity and terminal medical conditions)
permanently departing from Australia, having been a temporary resident
if you’re eligible for a transition to retirement income stream, you can access a regular income without permanently leaving the workforce

Members must meet government eligibility criteria before a payment can be made in these circumstances.