USI stands for Unique Superannuation Identifier. It was introduced as part of the SuperStream initiative, which began rolling out from July 2014 as a result of the Australian Federal Government's 'Stronger Super' reforms. The Stronger Super review ran from 2007 to 2013 and examined the structure, efficiency, and operation of Australia's superannuation system. Only APRA-regulated superannuation funds receive a USI — SMSFs do not.
USI Numbers and Self-Managed Super Funds (SMSFs)
SMSFs are not issued a USI. Because an SMSF is run by its own members rather than a public superannuation provider, it is identified by its ABN instead. An SMSF may also have an Electronic Service Address (ESA) and bank account details, which employers may need in order to make contributions.
How does a USI relate to a SPIN or SFN?
Before SuperStream, funds were identified using older numbers — the SPIN (Superannuation Product Identification Number) and the SFN (Superannuation Fund Number). The USI has now largely replaced both for APRA-regulated funds. Some funds still quote their old SPIN for legacy purposes, but the USI is the current standard for SuperStream contributions and rollovers.
Where can you find your USI?
- On your super fund's annual member statement
- On your fund's official website
- In the fund's Product Disclosure Statement (PDS) or annual report
- From your employer, if you have already provided your USI to them
- Via the ATO's official USI lookup tools
To look up the USI for your fund, find your superannuation fund here.
