Big questions, or small, we’ve got you covered. 

Prefer to chat? Call us on 1300 799 482.

What is Verve Super’s USI and ABN?

Our USI is 45 960 194 277 020

Our ABN is 45 960 194 277

You can find more information that you may need on our Employer’s page

What is Verve Super’s address?

Our address is: PO Box 909, Byron Bay NSW 2481

Can I join if I’m not a woman? 

Absolutely! We welcome people of all genders to join Verve. If you support Verve’s mission to build the financial power of women everywhere – we want you in the Verve community.

Do you have a full list of investments?

We do. You can see the full list of investments here.

Can I transfer my Kiwi Saver to Verve Super?

Yes. Verve Super takes part in the Trans-Tasman Portability Scheme. Check out the detailed information in the Additional Information Booklet or get in touch with us at hello@vervesuper.com.au to find out how.

Do you send member statements?

Yes. We provide a fully audited, digital statement annually following the end of the financial year. If you need an account summary in the meantime, send us an email at hello@vervesuper.com.au and we can arrange this for you.

How do I join Verve Super?

The easiest way to create a Verve Super account is to join online, it takes a couple of minutes. You can also join over the phone on 1300 799 482.

How do I move my current super?

You can request to transfer your balance from another super fund as part of the online join process or by contacting us. Once you have made the request, we will get in touch with your other fund to initiate the transfer of your super across to your Verve account. A request to transfer your whole balance will automatically close your old account. Any insurance cover or other benefits linked to your previous fund account will cease at this time.

If you wish to transfer a portion or the total of your balance from another fund to your Verve Super account, simply call us on 1300 799 482 or send an email to hello@vervesuper.com.au.

Alternatively, complete the Rollover Form and enter the exact amount you’d like to transfer in the space provided on the rollover form. A partial transfer may mean that you keep any insurance cover or other benefits linked to your original account. However, it’s best to check with the other super fund before requesting the transfer, if you’re unsure.

How do I get my employer to pay to Verve Super?

When you join Verve we’ll send you an email that you can forward to your employer. It will have all the details your employer needs to pay your super into your Verve Super account.

If you’re already a member of Verve and you have recently changed jobs, simply download this prefilled standard choice form and Verve’s General Compliance Certificate. Give these forms to your new employer and direct them to Employer Information if they require further information.

Do you offer insurance?

As a Verve member you can apply for Death Only, Death and Total & Permanent Disability (TPD), and/or Income Protection insurance cover with AIA, subject to eligibility.

You can apply for insurance at any time through Verve, but in the first sixty days after becoming a member, you may be eligible for automatic Death Only or Death & Total & Permanent Disability (TPD) insurance cover. This insurance cover is a set amount of cover which you can apply for by answering a few quick questions via your online account. You can still apply for individualised cover, if your 60 days has lapsed. If you would like to change the level of cover or apply for Income Protection cover, please complete an Insurance Application form

For more information on insurance visit Insurance & Superannuation, or view Verve’s Insurance Guide. Consider seeking professional advice to ensure that you are making an informed choice based on your own financial objectives, situation and needs.

How do I check my account?

You can view your account online anytime here. You can also call 1300 799 482 or email hello@vervesuper.com.au with any questions. 

What are Verve Super’s ethical screens?

Verve does not invest in companies without at least one woman on the Board. We avoid investments in companies involved in activities causing social or environmental harm, including detention centres, live animal exports, tobacco, armaments and fossil fuels. Instead, we seek out positive investments in industries like healthcare, education and renewable energy.

For more information on our ethical screens visit Ethical Investing.

How do I nominate a beneficiary for my super account? 

A ‘beneficiary’ is a person you nominate to receive some or all of your superannuation death benefit if you die whilst a member of Verve. At Verve Super we offer two types of beneficiary nominations: Non-Binding Nomination and Non-Lapsing Binding Nomination

Your binding nomination must be sent in hard copy to PO Box 909, Byron Bay NSW 2481.

Email your non-binding nomination to hello@vervesuper.com.au.

If you’d like more information about what happens to super if you pass away, we’ve covered it in this article

How do I make a personal contribution to top up my super account?

There are several reasons you might want to top up your super. To make additional contributions to your super account complete the personal contribution form in your online account and make the payment via direct transfer. Your personal payment details will be provided to you as you complete the online form.

An annual contribution cap applies to personal contributions, and if you breach this cap, you may be required to pay additional tax. For more on contribution caps view the Additional Information Booklet. If you have any questions please call 1300 799 482 or email hello@vervesuper.com.au.

My employer is having trouble contributing to Verve Super. What can I do? 

If your employer is having any difficulties contributing to Verve Super, they can get in touch with us directly.

Please pass on our contact details: 1300 799 482 or hello@vervesuper.com.au or cc’ hello@vervesuper.com.au in email correspondence with your employer related to your superannuation.

I’m self-employed. How do I make contributions to my super?

To contribute to your super as a self-employed person, simply complete the Personal Contributions form available in your online account.

To claim these contributions for tax purposes, you need to complete a Notice of Intent to Claim or Vary a Deduction for Personal Super Contributions form and return the completed form to us via email to hello@vervesuper.com.au. You’ll need to do this at least once per financial year for all the contributions during that financial year. You have one year from the end of the relevant financial year within which to submit your Notice of Intent to Claim.

Can I salary sacrifice into my Verve Super account?

Yes. Salary sacrifice contributions are arranged directly with your employer. It is best to confirm with your employer how frequently these contributions are made.

Does Verve Super have a Reconciliation Action Plan?

At Verve we are committed to improving financial access and support to Indigenous and Torres Strait Islander women. We acknowledge that the first step to doing so is establishing a Reconciliation Action Plan. It is important to recognise that the gender-based super gap is much greater for First Nations women than it is for non Indigenous Australian women. We seek to build the wealth of all women. Our role is not only to provide support but also to advocate on behalf of all of our members. We are in the process of developing a Reflect RAP to ensure we can have the most meaningful impact with the First Nations communities of Australia.

Developing a comprehensive RAP can take time as we engage meaningfully and respectfully with communities and other supporting organisations.

If you are an Indigenous or Torres Strait Islander woman who would like to be involved in this process, please email hello@vervesuper.com.au.

What is superannuation? 

Superannuation is a compulsory scheme, designed and regulated by the government to help you save for retirement. Unlike a regular savings account, your superannuation is only accessible when you reach your preservation age, which is usually the age at which you permanently retire from working or meet another specified condition of release. In most cases, it is compulsory for your employer to make contributions to your superannuation account on your behalf. You can also make personal contributions to your superannuation account, if you choose to boost your savings or if you are self-employed. This money is then invested on your behalf by your super fund.

One of the benefits of super is that it is designed to be a tax-effective way to save for your retirement, as contributions and investment earnings in your super fund are typically taxed at a lower rate than your normal earnings.

When can I access my super?

Super is highly regulated and is intended to fund your retirement, so you can generally only access it once you have reached your preservation age and permanently retired from the workforce, or otherwise meet a specified condition of release.

Conditions of release include:

  • Reaching age 65 (whether your working or retired);
  • Leaving your employer after turning 60;
  • Severe financial hardship
  • Specific medical conditions
  • Temporary residents leaving Australia.

For information about your preservation age and the conditions of release, see the Additional Information Booklet. You can also call 1300 799 482 or email hello@vervesuper.com.au. You can find more information about accessing your super via the ATO.

Is super an investment?

Yes, superannuation is an investment. The money in your super account is invested on your behalf, so it is important to make sure the way it is invested aligns with your values and long term goals.

Some things to consider are: Does your super fund invest in things that go against your values? Is your fund transparent about what they are investing in? Is the risk profile suitable for your needs? Is your super fund achieving competitive long term returns? (Remember super is a long term investment. The money in your account may be invested for 30 years or more.

Can I choose my super fund?

Most people have the option of choosing their super fund. All you need to do is provide your employer with the details of your preferred super fund. If you do not specify a super fund, your employer will create an account for you with their default super fund. 

A small number of Australians who are under Enterprise Agreements are not eligible to choose their super fund. To find out if this is your situation, speak to your employer. Employers may agree to pay superannuation into your Verve Super account even if they don’t generally allow choice.

What do I do if I can’t choose my super fund?

If you are unable to exercise choice of super fund with your employer, we run an Annual Rollover Program. Our team will help you to transfer the portion of your super that isn’t required to be with your employer’s choice of fund. This ensures that as much as possible of your retirement savings are invested in line with your values.

To find out if you’re eligible for this program, call 1300 799 482 or email hello@vervesuper.com.au. This program is not available for people in defined benefit schemes and may affect insurance policies held with mandatory funds.

How do employer contributions work?

If you’re over 18 and earning more than $450 a month through employment (e.g. not contracted or self-employed), then typically you should be paid super by your employer. If you’re under 18 or on a contract, you may still be entitled to be paid super. You can find out more information about eligibility for super here.

It is possible to have multiple super fund accounts, so it is important to tell your employer about your Verve Super account if you want that employer’s contributions to be paid into your Verve account.

Some employers pay more than 10% of your salary into your super fund. However, if you’re eligible for super guarantee (SG) payments your employer must contribute 10% as the minimum. These payments will typically be shown on your payslip. Employers are required to pay your superannuation at least once a quarter, although they may transfer your contributions more frequently,

How are contributions taxed?

Contributions made by your employer (including salary sacrifice) are known as ‘concessional contributions’ and are typically taxed at 15% up to the contribution cap. The concessional contributions cap for the 2021-22 financial year is $27,500. Contributions above this cap may be taxed at a higher rate.

Non-concessional contributions are also known as “after tax contributions” and include personal contributions, spouse contributions, and concessional contributions that have exceeded the concessional contributions cap. This money is not taxed on the way into your super account as you have already paid tax on it at your nominal rate. The non-concessional contribution cap for the 2021-22 financial year is $110,000.

If you are self-employed and have made a personal contribution, you may choose to claim the contribution as ‘concessional’. To claim these contributions for tax purposes, you need to complete a Notice of Intent to Claim or Vary a Deduction for Personal Super Contributions form and return the completed form to us via email to hello@vervesuper.com.au. You’ll need to do this at least once per financial year for all the contributions during that financial year. You have one year from the end of the relevant financial year within which to submit your Notice of Intent to Claim.

How does super work for temporary residents of Australia?

If you have worked in Australia as a temporary resident and you have permanently left the country, you may be eligible to claim the super benefit you have accumulated while working here, less any tax. The payment is called a Departing Australia Superannuation Payment (DASP). A DASP can be claimed if:

• You visit Australia on an eligible temporary resident visa; and
• Your visa ceases to be in effect (it has expired or been cancelled); and
• You leave Australia.

If you are a temporary resident and you permanently leave Australia, you have six months to claim your super benefit. If you do not claim it within this time it will be transferred to the Australian Taxation Office (ATO) as unclaimed money. If that happens, you will need to contact the ATO to claim it. For more information, visit the ATO website.

IMPORTANT: If you are a former temporary resident whose superannuation benefit is transferred to the ATO as unclaimed money, you will not be notified of this or receive an exit statement after the transfer occurs. We rely on relief provided by the Australian Securities & Investments Commission (ASIC) Class Order [CO 09/437] which says, in effect, that superannuation trustees are not obliged to meet certain disclosure requirements in relation to non-residents that have ceased to hold an interest in the fund as a result of the payment of unclaimed superannuation to the Commissioner of Taxation. If you require any further information, contact us.

How do I get an insurance quote?

If you would like a quote for insurance please email us at hello@vervesuper.com.au with the following information:


  • Cover type (Death only, Death and TPD or Income Protection)
  • Cover amount
  • Annual income
  • Occupation and typical daily duties (e.g. graphic designer – at a desk most days)
  • State of Residence
  • DOB
  • Sex*
  • Member number (if an existing member)
*Insurance providers require sex as a factor for determining insurance premiums. Please select male or female. We understand that gender and sex are not the same thing and neither are binary. However, some systems are yet to catch up. We have provided the insurance provider with this feedback and if you would like to add your voice, please let us know and we will pass it on.

How do I apply for Income Protection Insurance?

To apply for income protection insurance, please complete the Insurance Application Form and return it via email to hello@vervesuper.com.au or post to PO Box 909, Byron Bay, NSW, 2481.

How do I change my address or personal details?

Your mobile number and residential address can be updated via the online member portal. 

Please contact us to update your email address.

If you need to amend or update your name or date of birth, you will need to provide us with the following documentation 

  • A completed Change of Details Form, signed with an original, ‘wet’ signature
  • A certified copy of ID
  • A certified copy of documentation showing the change in name, e.g. deed poll, official change in name certificate, marriage certificate, birth certificate, divorce certificate, etc.

Please refer to the Certified ID Fact Sheet for information about who is eligible to certify your ID and documents. This fact sheet also includes detailed instructions on how ID and documents should be certified.

If you have any questions or need more information, please contact us.

How can my partner contribute to my super? Or how can I contribute to my partner’s super?​

There are several benefits for sharing your super with your partner. And there are two ways your spouse can contribute to your superannuation:

  1. Contribution splitting is where your spouse applies to their super fund with a request to transfer across a certain amount of their super into your superannuation account to boost your balance. The process for this includes your spouse contacting their super fund to request a transfer form. If you’re making one from your Verve account to your partner’s super account, you’ll need to complete this form. Some funds use the ATO Spousal Contribution Splitting Form. Please refer to the ATO checklist, which details the process and how you go about claiming a tax deduction if you intend to do so.
  2. Spousal contribution: is when your spouse makes a payment directly to your super account  — such as a bank transfer to your Verve account. This requires that a Personal Contribution Form is completed and submitted to Verve via email to hello@vervesuper.com.au.

This article has more information: Super isn’t fair for stay at home parents. Here is how to even it up. If you have further questions, the ATO has an explanation on sharing superannuation.

Can I access my funds if I’m in financial hardship?

Superannuation is designed to support you in retirement and the industry is highly regulated. However, there are special circumstances where you may be able to access your super early, including due to severe financial hardship. The ATO sets a number of guidelines to be eligible for early access to super on account of financial hardship, and Verve’s Trustee makes the final decision. For more information on how to make an application, please get in touch.

Can Verve give me personal financial advice?

No, Verve does not provide personal financial advice. All information, including any financial coaching, is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate for your needs, and where appropriate, seek professional advice from a financial adviser.

How does Verve support low balance members?

To support members with low super balances, Verve does not charge the fixed administration fees on balances less than $5,000. 

To support women to build wealth, Verve provides financial coaching to all members through the Verve Academy. With a commitment to agitate for change, the Verve community is working to facilitate broader change to make the retirement system fairer for all Australians, particularly those with lower balances.

How do I access the Baby Bump Program while on parental leave?

To support Verve Super members of any gender or expression who have recently become new parents, whether by birth or adoption, we provide a rebate of the fixed administration fee for up to 12 months through Verve’s Baby Bump Program. Contact us for information and to let us know you’ve recently welcomed a new child into your family. If you would like, Verve can also contact your employer, or support you, to ask them to keep paying your super during your parental leave.

Do men work at Verve?

Verve is led by a team of women. But of course, we don’t work in a bubble! We work in collaboration with people (men, women and non-binary folk) from a number of service providers and teams who support the day-to-day running of a superannuation fund. Our fund manager, for example, is one of Australia’s most progressive and inclusive teams in the industry, with a commitment to improving diversity in fund management as well as strict transparency around pay equality.

How do Verve’s investments perform?

You can see our most recent returns here. Verve is an ethical super fund with a commitment to building the retirement savings of our members. Ethical investment outperforms mainstream investment over all time periods, according to the Responsible Investment Association of Australasia (RIAA). Why? Because companies that look after people and the planet perform better over the long term. You can view the RIAA’s recent report here.

Is Verve safe?

Superannuation is a highly regulated industry and Verve Super is an APRA (Australian Prudential Regulation Authority) compliant fund. This means Verve meets all the regulations required of Australian super funds. We are also supported by some very experienced service providers, including those who have been in the industry for over 20 years.

How long does it take for my super to transfer from my old account to my Verve account?

Once you have requested to transfer your super to your Verve account, the process takes between 3-28 days. We’ll send you an email confirming when the transfer is complete. Please get in touch if you would like to confirm the status of your transfer.


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