Joining Virgin Super is quick and easy and our online application form won't take more than 5 minutes to complete.

Before you get started on your application you’ll need these details handy

• Your personal details and contact information
• Your Tax File Number (TFN)

And don’t forget to read the Product Disclosure Statement and the Financial Service Guide. We also recommend that you download a copy of these for your records.

If you have any questions, please call 1300 652 770 (Weekdays except public holidays - 8am to 6pm EST).

Just click here to start.

Before you head off on your maternity or paternity leave, download the Baby Break Application Form, complete and send to us.

• Make sure you include a letter from your employer confirming your Maternity or Paternity Leave dates.
• Allow 14 working days for us to receive and process your application.

For full Terms and Conditions, click here.

There are three types of insurance with Virgin Super and you can choose one or a combination:

Death cover
Provides a lump sum cash payment when you die or if you’re diagnosed with a terminal illness, meaning you’ll die within six months. We recommend if you haven’t done so already, that you inform us of your nominated beneficiaries for your Super fund.

Total permanent disablement (TPD)
Provides a lump sum cash payment if you're permanently unable to work due to illness or injury. It’s important to know that you can only take up TPD with death cover (i.e. not on a standalone basis).

Income protection
If you're unable to work after a 90-day waiting period due to temporary illness or injury, Income Protection Insurance pays up to 75% of your salary, in monthly benefits.

Eligibility:

Choose, from the above options, which insurance you want and follow the below steps to apply.

Death Cover

• If you’d like to be insured up to and including $350,000:
  Download, complete and return this short Insurance Application Form.
• If you’d like to be insured from $350,001 up to and including $5,000,000:
  Download, complete and return the Personal Health Statement(where you’ll also be able to apply for Income Protection Insurance).

Death Cover + Total Permanent Disablement Insurance

• If you’d like to be insured up to and including $350,000:
  Download, complete and return this short Insurance Application Form.
• If you’d like to be insured from $350,001 up to and including $2,000,000:
  Download, complete and return the Personal Health Statement(where you’ll also be able to apply for Income Protection Insurance).

Income Protection Insurance
Download, complete and return the Personal Health Statement. Your premium will be assessed on a range of factors, including:

• Your health
• Your current income
• Your occupation
• And how much cover you want

To get the full picture on insurance through Super, call our Customer Care Team on 1300 652 770 between 8am and 6pm EST, weekdays or check out the Product Disclosure Statement and Member Guide - they contain lots of useful details, like when and how you can make a claim, how to figure out costs, when and for how long you’re covered, and more.

Australian Government rules prevent you from accessing your super benefit until you retire from the workforce and have reached your preservation age.

You can access your super in the following circumstances (conditions may apply):

• You leave employment and your benefit is less than $200;
• You leave gainful employment after the preservation age (normally 60 but you can check our table below for exceptions);
• You become totally and permanently disabled;
• You become terminally ill;
• You experience severe financial hardship and meet certain requirements;
• You have compassionate grounds for needing the money, as approved by the DHS
• You're a temporary resident on a specified class of visa and you permanently depart Australia.

It's a nice thought but you can't give up at 35 and start drawing on your super from a beach in Fiji. To be able to claim your Super benefits, you must have reached the appropriate preservation age, between 55 and 60 depending on when you were born.

If you have any questions, you can call our Customer Care Team on 1300 652 770, 8am - 6pm (EST), Monday to Friday.

We charge a $1 per week Member Fee and a Management Fee where you get a discount once your account balance hits $25,000. The table below spells it out more - you'll see that for the first $25,000 of your balance the Management Fee is a low 1%. But as your balance grows the discounted rate kicks in. The longer you're with us, the more potential you have for a healthy Super balance. (Consolidating Super with us may also help!) If you're working out how much maintaining your Super costs, remember to check out the transaction costs below.

• Management Fee
  Those management fees cover all ongoing management of your investment. It's calculated on the value of your month end account, and will be deducted monthly from your Super account or when you withdraw it.

  Balance from	To	Management fee
  $0	$25,000	x 1% p.a
  $25,001	$250,000	x 0.8% p.a
  $250,001	∞	x 0.6% p.a

  For example, if at the end of January your account balance is of $21,000, the management fee rate applied will be 1% p.a. to your entire balance, so you’ll incur a management fee of $17.50 on that month.
  
  Detailed calculation: ($21,000 x 1% / 12 months) = $17.50
  
  Imagine that at the end of August, your account balance hits $28,000, the monthly management fee you’ll be charged on that month will be $22.83 as you’ll be charged the 1% p.a rate on $25,000 of your balance and the 0.8% p.a rate on the other $3,000.
  
  Detailed calculation: ($25,000 x 1% / 12 months) + ($3,000 x 0.8% / 12 months) = ($20.83) + ($2.00)
  
  Please remember that with member protection, if your balance is under $1,000.00 we won’t charge you direct management costs that are higher than your investment returns.
   
• Member Fee
  Those member fees cover member administration and communications.

  $1 per week

  It's deducted monthly from your Super account.

* Virgin Super does not charge a processing fee however transaction fees may apply.

Things you should know
Before you rollover or consolidate your Superannuation, you should check to see if insurance or other benefits will be impacted or lost. Some funds may also charge withdrawal or exit fees.

You should consider reading our Product Disclosure Statement. Please note this information does not constitute personal financial product advice, and you may wish to consult your financial adviser before making a decision about whether Virgin Superannuation fits your objectives, financial situation and needs.

When we buy or sell investments for you there are brokerage and tax costs. Buying and selling happens when you contribute (buy), withdraw (sell) or switch (buy & sell).

To ensure that other members don’t bear the cost of these transactions, we pass this cost on to you when you contribute, withdraw or switch money between investment options. This is an additional cost to you, paid to the investment manager of the underlying funds to cover their costs and not money that we keep. You won’t incur these costs when you move automatically to the next life stage in the LifeStage Tracker® investment options.

The way we pass these costs on is by using a ‘buy/sell spread’, which simply means that there is a difference between the unit price we use when you go into an investment option and the one we use when you leave.

The cost varies and is generally between 0.036% and 0.25% of the amount being 'transacted', depending on your investment choice.

For example, if you contribute $1,000 to the LifeStage Tracker® – Aggressive Under 40s mix (which is 100% growth assets), you’ll incur a transaction cost of $2.50. If you switch $1,000 from the Select Your Own Cash/Fixed Interest option to the Select Your Own Property option, you’ll incur a transaction cost of $0.36 on leaving the Cash/Fixed Interest option and another $2.50 on entering the Property option.

Log into your Virgin Super account at virginSuperannuation.com.au/Members and head to the ‘Account Balance’ section.

If you need help logging into your Super account, call our Customer Care Team on 1300 652 770 between 8am and 6pm EST, weekdays.

Log into your Virgin Super account at virginSuperannuation.com.au/Members and head to the ‘Member Details’ section.

If you need help logging into your Super account, call our Customer Care Team on 1300 652 770 between 8am and 6pm EST, weekdays.

You can do this one of two ways, online or in writing:

1. Log into your online account at virginSuperannuation.com.au/Members and head to the ‘Investment Choice’ section where you’ll be able to simply make your choice of investments; or
2. Fill in an Investment Options Form and mail it to us at Virgin Super, PO Box 1489, Wollongong NSW 2500.

Please remember that you may incur some transaction costs. For more details on transaction costs, please head to the ‘Fees & costs’ tab of this page.

Head to our performance section, this will give you an idea of how Virgin Super’s investments are performing in the market. We list up-to-date quarterly, yearly, 3 year and 5 year returns.

You could also check out our market reports to see how the broader markets have fared. Finally, to keep in touch on how your Super’s performing, login to your online account regularly to check your account balance.

With Virgin Super you’ve got three options, but there are legal bits and pieces you need to check.

• Option 1: Binding nomination

  What is a binding nomination?
  By using a binding nomination, you’ve got the power to determine who should receive your death benefit. This should give you more control, but it’s only effective if your nomination is made properly. If your nomination is valid, the Trustee must pay your death benefit in accordance with your nomination. If your nomination isn’t valid, your death benefit will be paid as per Option 3.
  
  How do I create a binding nomination?
  In order to be valid and binding, your nomination must be signed by you in front of 2 witnesses aged over 18 years who aren’t named as your beneficiaries and delivered to us. You can only nominate your dependants or your estate to receive your death benefit. The eligibility of the persons nominated by you is determined at the date of your death. The Trustee must be satisfied the persons you have nominated are your dependants or your estate. A binding nomination can be made in favour of a same-sex spouse or child of a same sex partner who qualifies as a dependant under Superannuation legislation. If a person nominated by you dies or is not a dependant or your estate at the time of your death, that person’s portion of your death benefit will be distributed equally amongst your surviving dependants/estate. If there isn’t any surviving dependants/estate, your death benefit will be paid as per Option 3 below.
  
  What will cause a change?
  A valid nomination is effective for 3 years after the day it was first signed or last confirmed or amended by you. If you wish to confirm your nomination (to avoid it becoming ineffective after 3 years), simply send us a signed and dated written confirmation. Similarly, if you wish to amend or revoke your nomination, send us your written confirmation. It’s important to keep in mind that your notice of confirmation, amendment or revocation must be witnessed in the same manner as your original nomination (2 witnesses aged over 18 years who aren’t named as your beneficiaries).
   

• Option 2: Preferred (non-binding) Dependant nomination

  By selecting this option, the Trustee will consider your preferred nomination, however the Trustee has the discretion to pay your death benefit (in proportions it determines) to any one or more of your dependants or your estate.

• Option 3: No nomination

  If you don’t make a nomination or you make an invalid binding nomination, your benefit will be paid to one or more of your dependants and/or your estate. This is at the Trustee’s discretion.

Please let us know your choice by completing this Death benefit nomination Form.

Before you head off on your maternity or paternity leave, download the Baby Break Application Form, complete and send to us.

• Make sure you include a letter from your employer confirming your Maternity or Paternity Leave dates.
• Allow 14 working days for us to receive and process your application.

For full Terms and Conditions, click here.

There are three types of insurance with Virgin Super and you can choose one or a combination:

Death cover
Provides a lump sum cash payment when you die or if you’re diagnosed with a terminal illness, meaning you’ll die within six months. We recommend if you haven’t done so already, that you inform us of your nominated beneficiaries for your Super fund.

Total permanent disablement (TPD)
Provides a lump sum cash payment if you're permanently unable to work due to illness or injury. It’s important to know that TPD can only be taken up with death cover (i.e. not on a standalone basis).

Income protection
If you're unable to work after a 90-day waiting period due to temporary illness or injury, Income Protection Insurance pays up to 75% of your salary, in monthly benefits.

Please find here eligibility conditions:

Choose, from the above options, which insurance you want and follow the below steps to apply.
Death cover

• If you’d like to be insured up to and including $350,000:
  Download, complete and return this short Insurance Application Form.
• If you’d like to be insured from $350,001 up to and including $5,000,000:
  Download, complete and return the Personal Health Statement (where you’ll also be able to apply for Income Protection Insurance).

Death Cover + Total Permanent Disablement Insurance

• If you’d like to be insured up to and including $350,000:
  Download, complete and return this short Insurance Application Form.
• If you’d like to be insured from $350,001 up to and including $5,000,000:
  Download, complete and return the Personal Health Statement (where you’ll also be able to apply for Income Protection Insurance).

Income Protection Insurance
Download, complete and return the Personal Health Statement. Your premium will be assessed on a range of factors, including:

• Your health
• Your current income
• Your occupation
• And how much cover you want

To get the full picture on insurance through Super, call our Customer Care Team on 1300 652 770 between 8am and 6pm EST, weekdays or check out the Product Disclosure Statement and Member Guide - they contain lots of useful details, like when and how you can make a claim, how to figure out costs, when and for how long you’re covered, and more.

If you need to make an insurance claim, our Customer Care Team will be able to help you through this process. Call them on 1300 652 770 between 8am and 6pm, weekdays.

Important Information

• The Insurer must be informed in writing of any claim within 30 days of death or a member becoming disabled, or as soon as it is reasonably possible to do so;
• If notice is not received within the time specified, the benefit may be reduced or refused to the extent assessment of the claim is prejudiced;
• The member, or in the case of their death, their legal personal representative, will be sent claim forms within 7 days of receiving notice of a claim. The sending of claim forms does not constitute an admission of liability in respect of any claim lodged;
• For TPD and Income Protection claims, claim forms must be completed within 30 days of the member first becoming disabled or as soon as it is reasonably possible for the member to do so.
• Medical information and evidence will generally be requested to enable a claim to be assessed. During the course of a claim for TPD benefits or Income Protection, the member may be required to be interviewed.