Virgin Money Super
Take control of your future with low investment fees1, a history of long-term performance3 and Velocity Points7, on your eligible super contributions.8 Join Virgin Money Super today.{sub-heading}
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Why our super stands out
Low Fees
Virgin Money Super has one of the lowest investment fees in the market1, helping your balance go further.
Long-term performance3
Expert-managed and performance-focused, Virgin Money Super helps your balance grow with a long-term view and less guesswork.
Award-winning value
We’ve picked up awards from SuperRatings2, Mozo12 and Chant West10 for performance and value. That’s something to smile about.
Earn Velocity Points
Points just for doing the smart thing? Yes please. Earn Velocity Points7 as you build your balance.8
Super options built around you
Super for individuals
Make your superannuation, super. We simply want you to retire more comfortably, sooner. With low fees1, strong performance3 and Velocity Points7, we make looking after your super simple8 – and a bit more exciting.
- Low fees1
- Positive performance3
- Velocity Points7 on eligible contributions8
- Advice and support at no additional cost
Super for employers
Virgin Money makes paying super simple. With QuickSuper and smart admin tools, we help employers stay compliant and support their employees’ financial future - without the extra admin.
- SuperStream-compliant QuickSuper
- Built for easy contributions and payments
- Support from real people when you need it
- Velocity Points7 your employees will love8
Positive performance3
Designed to grow with you, Virgin Money Super’s LifeStage Tracker® has outperformed the industry average over 7 years3 – helping boost your superannuation over time.
8.79%14
LifeStage Tracker® Performance.
7-year investment returns for birth year 1979-1983.3 , 4
8.08%15
Industry Median Performance.
The median return across industry funds over 7 years as at June 2025.5
Use our super calculators
It’s your future – we just help you plan for it. Run the numbers, adjust your contributions and explore how far your super can take you.
Salary sacrifice calculator
A little extra today could mean a lot more later. Use this calculator to explore how salary sacrifice could grow your balance.
Retirement calculator
Curious when you can retire and how much you’ll have? This calculator gives you a snapshot based on your current situation.
Compare super fees
Even small fee differences can impact your balance over time. See how your fund compares and what you could save.
Insurance premium estimator
Wondering how much insurance you may need or what you’ll pay? Check your estimated insurance premium in just a few steps.
Super that earns you Velocity Points7,8
Make your superannuation work harder. Earn Velocity Points,7 while you grow your super balance.8
Join Virgin Money Super
Signing up takes minutes and is easy. Link your Velocity number when you open your Virgin Money Super account.
Grow your balance, get rewards
Earn Velocity Points7 based on eligible super contributions8 into your Virgin Money Super account.9
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Frequently asked questions
We’ve answered the big (and small) questions our customers ask the most.
What is superannuation in Australia?
- In Australia, superannuation is a way of saving for your retirement. By law, your employer must make payments to your superannuation account in addition to paying your wages or salary. Your superannuation fund then invests the money until you retire.
- Superannuation, or Super, is a retirement savings system where money is set aside while you’re working to support your financial needs for retirement.
- Generally, you will begin to accumulate super when you start working , and your employer is required to pay a minimum percentage of your salary or wages into a super fund account for you.
- Note employees are generally eligible to receive super if they’re over 18, or under 18 and working 30 hours or more per week. Eligibility criteria can vary. For full details, refer to the ATO website for the latest Superannuation Guarantee (SG) rules.
- Your super can be invested in a range of assets and the super fund manages this money for you until you retire.
When can I withdraw my super?
You can withdraw your super when you are aged 60 and have retired or aged 65. You may also be able to access your superannuation early if you meet the following criteria:
- You are experiencing severe financial hardship
- Cease any employment after the age of 60 (regardless of intentions for future employment).
- A compassionate grounds benefit, such as to pay for medical treatment for you or your dependent
- You have been diagnosed with a terminal illness
- You are temporarily unable to work because of a physical or mental condition
- If you are permanently incapacitated
- You leave Australia and you are accepted for a Departing Australia superannuation payment (DASP)
- You qualify for a First Home Super Saver Scheme (FHSSS) withdrawal
- You have met another condition of release
- Find out more from the accessing your super fact sheet
How much super should my employer pay?
What is the superannuation guarantee?
Learn more
Explore helpful resources to make the most of your superannuation.
Help & support
Need a hand managing your super? Start here with our handy resources and helpful forms.
Contact us
Got a question? We’ve got answers. Contact us today — we’re here to help with whatever you need.
Important information
Things you need to know
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