Superannuation for individuals
Super that’s low on fees1 and high on value. With a history of positive performance3 and rewards7 for contributions8, Virgin Money Super is designed to give you more.{sub-heading}
Why choose Virgin Money Super?
Low fee super fund1
Keep more of your super. We have one of the lowest fees in the market1, meaning more value for you and more savings for your future.
Positive performance3
With expert investment management and solid long-term results3 your super’s in good hands.
Earn Velocity Points
Planning for the future? You could earn Velocity Frequent Flyer Points7 on the way. Real rewards, just for adding to your super.8
Award-winning value
Don’t just take our word for it. Our super fund has been awarded for offering great value and a history of positive long-term performance3 by external ratings agencies like SuperRatings2, Mozo12 and ChantWest.10 {sub-heading}
Individual Super Fees
Compare what you’re paying with other super providers. With Virgin Money Super’s low fees1 you could save more for retirement.
Important information
Provided by Virgin Money Financial Services Pty Ltd based on information produced by SuperRatings Pty Limited (SuperRatings). The average fees shown for the Industry Super Fund and Retail Super Fund comprise a selection of currently available MySuper funds. Virgin Money Super Fee represents the Virgin Money Super - LifeStage Tracker Born 1959 – 1963 investment cohort. This fee comparison was prepared without taking into account the objectives, financial situation or needs of any particular individual.
Fees used in the analysis are as at 30 June 2025 using most recent data available to SuperRatings at the time of preparation (24/07/2025). Fees include percentage-based administration fees, member fees, investment management fees (inc. performance-based fees), indirect cost ratios, transaction costs and taxes, but exclude any applicable employer rebates.
Fees and costs may vary from year to year. Past fees and costs are not a reliable indicator of future fees and costs. Fees and comparisons may differ for other investment options and account balances. This information is general advice and does not take into account your objectives, financial situation or needs. Before acting on this advice, please consider the Product Disclosure Statement, Financial Services Guide and Target Market Determination available at virginmoney.com.au/super.
Source: Report issued by SuperRatings Pty Limited (SuperRatings) ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445 (Lonsec Research) a fully owned subsidiary of Lonsec Holdings Pty Ltd ABN: 41 151 235 406 (Lonsec Group). Generation Development Group Limited ABN 90 087 334 370 is the parent company of Lonsec Group. The information used in compiling this data comes from sources considered reliable and is not guaranteed to be accurate or complete. Past performance is not a reliable indicator of future performance. Any expressed or implied rating or advice presented in this document is limited to General Advice and based solely on consideration of the merits of the superannuation financial product(s), without considering any person’s particular financial circumstances. The reader should read the Product Disclosure Statement and seek professional advice before making a decision on the financial product.
SuperRatings’ research process relies upon the participation of the superannuation fund or product issuer(s). © SuperRatings Pty Ltd. All rights reserved. This report may also contain third party material that is subject to copyright. To the extent that copyright subsists in a third party it remains with the original owner and permission may be required to reuse the material. Any unauthorised reproduction of this information is prohibited.
The power of positive performance
Designed to grow with you, our LifeStage Tracker® has delivered consistent, positive returns3 – helping boost your super over time.
8.79%14
LifeStage Tracker Performance.
Past 7 years investment returns with LifeStage Tracker for birth year 1979-1983.3
8.08%15
Industry Median Performance.
The median return across industry funds over 7 years.5
Join Virgin Money Super
Get your super sorted in minutes. Join online, enjoy low super fees1, customise your investments, and keep track of your progress – all in one place.
Super, sorted in just a few clicks
Setting up your super is quick and simple. Your future self will thank you.
Leave it to Virgin Money
Prefer a hands-off approach? We’ll take care of your super with investment options designed to suit your life stage.
Stay on top of your super
Log in anytime to track how your super’s growing or manage your account.
Superannuation Insurance Options
With Virgin Money Super, eligible customers receive Automatic Death and Total & Permanent Disablement (TPD) cover and have the option to add more insurance cover, including Income Protection. Your life isn’t one-size-fits-all—and your insurance doesn’t have to be either. You’re in control of how much cover you have.6
Superannuation Calculators & Tools
Curious about how much super you’ll need—or how to help grow what you’ve got? Our calculators can help you plan, compare and help get the most out of every dollar you contribute.
Frequently asked questions
We’ve answered the big (and small) questions our customers ask the most.
Why is it important to start managing my super early?
How much super should I have?
- The amount of super you accumulate in your super fund will mostly depend on the contributions made into your super. The return on your selected investments in your super will also influence the amount of super you have.
- The amount of super you need at retirement will depend on the lifestyle you would like to have in retirement. What you think you want in retirement today could change over time. It is important to think now about what type of retirement you may like and how much money you will need to help you enjoy it. For more information on Australia’s benchmark guide to how much money you need in retirement, visit the ASFA Retirement Standard{external-link}.
- Find out more about how to build your super, or utilise our Retirement Income Calculator.
When can I withdraw my super?
You can withdraw your super once you meet a condition of release under super laws. Common super conditions of release includes turning age 65, retirement and death. See ato.gov.au for more information on all the allowable conditions of release under super laws. You may also be able to access your superannuation early if you meet the following criteria:
- You are accepted for a financial hardship benefit.
- You are accepted for 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 quality 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.
Do casual employees get super?
How does Virgin Money Super compare to other funds?
Can I switch my super to Virgin Money easily?
What are the rewards for growing my super balance?
How do I earn Velocity Points with my super?
Learn more
Explore tools and tips to help make the most of your Virgin Money Super.
Help & support
Need a hand managing your super? Start here with handy resources and helpful forms.
Getting started
Manage your account
Grow your super
Important documents
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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