Super charge your time downunder

Take back control of your money

Nearly 10% of your Aussie pay will go into a super fund while you're working down under. Make sure it's with a fund that's got your back.

Here's what you need to know about super, to maximise your money while you're here

What is Super?

Superannuation (super for short) is Australia's compulsory national pension scheme. While you're working down under, at least 9.5% of your pay will be put into an Aussie super fund. This money is then invested in global shares and other assets.

What if I'm a Kiwi?

Kiwis must either leave their super in Australia or move it to a KiwiSaver provider back home. They cannot cash out their super like other temporary residents.

What if I become a permanent resident before I leave?

Once you're a permanent resident, you cannot cash out your super when you leave Australia. Today only Kiwi's can transfer their full balance to their home pension plan. The earliest age you will be able to access your super is 60.

What if I'm here on a 457 visa?

If you never held a Working Holiday visa, then when you leave your DASP payment is what's left over once you've paid a 35% tax on the taxed part of your super, and a 45% tax on the untaxed part. You can learn more here.

What if I had a Working Holiday visa, and now I don't?

It sucks, but under the current law, working holidaymakers, who later switched to a different visa (like the 457 sponsorship visa), will pay 65 per cent tax on all super accumulated into the same account, no matter what their new sponsored visa status is.

Is there anyway around this?

Yes! Set up a separate super account once you move from a Working Holiday Visa to a sponsored visa. We can make this transition easy at Zuper.

We make it easy for visa holders in Australia to make the most of their super

Here's how

Super is your money. Our goal is to make sure it works as hard as possible for you while you're here and when you leave.

Help processing your DASP payment when you leave

Sign up online and get a super member number instantly, so you're job-ready

Help transferring your super back home, where possible

What is Zuper Super?

Zuper is a low cost super fund that helps you:

  • Track all your employer super payments. We also notify you if don't get paid in time.
  • Update your super details with your employer
  • Invest your money in blue chip stocks as well as tech, renewables and biotech businesses

As a world leader in medical research, Novartis is taking their achievements to a new level - having developed the first molecularly-targeted cancer therapy. 

Leading the way in sustainable power generation, First Solar operates some of the largest grid-connected solar power plants in the world. If the sun is shining, First Solar will be catching it for you.

Multinational Garmin bring GPS navigation and wearable technology to the automotive, aviation, marine, outdoor and fitness markets. Wherever you want to go, Garmin help make it possible.


First Solar


You'll also be invested in companies like this

All our funds are tobacco and controversial weapons free

Who is Zuper?

We’re just like you; young, innovative, and passionate about the world we live in - and not from here.

We've made Australia our home, coming from as far afield as New Zealand, the UK and the US. It means we know how hard it is to manage your money as an expat, and we want to make it easier.

As featured in:

"I had no idea about how super worked, and could have missed out on thousands of dollars. Thanks to Zuper, I won't"

Brooke Chilcott

Building her world with  Zuper

You won’t be alone 


Join Zuper today for simpler expat super

Visas, jobs and flats are hard enough. Let us take the hassle out of super for you, so you can make the most of your time in Australia

© 2018 Zuper Financial Pty Ltd

All material on this website has been prepared by Zuper Financial Pty Ltd (ABN 32 615 224 890) (Zuper), Zuper is a Corporate Authorised Representative (CAR No.125855) of Instreet Investment Ltd (ABN 44 128 813 016; AFSL 434776). The information contained on this website and in our emails is general in nature and has been prepared without taking into account your financial objectives, situation or needs. Before making a decision in relation to your super you should read the Zuper Super PDS, speak to a licensed financial professional and consider if the information is appropriate to you.

Zuper Super is issued by Diversa Trustees Limited (ABN 49 006 421 638), (AFSL No 235153), as trustee of LESF Super (ABN 13 704 288 646).