Essential Super Member FAQs

You can update your home address and contact details online, over the phone or in a CommBank branch.

Learn how to make contributions to your Essential Super account using NetBank or the CommBank app.

Follow these steps to change how your Essential Super is invested.

Get more information about how to consolidate your super and what to do beforehand.

Follow this guide to fill out and upload digital forms for your Essential Super account.

Your Essential Super account balance is produced using the latest unit price calculated. Learn how often this happens.

Find the unit price for your investment option.

Insurance in Essential Super

Making early Essential Super withdrawals

  • Compassionate grounds

    You may be able to apply for early release of your superannuation on compassionate grounds, like if you need money to pay for medical treatment.

    Explore eligibility criteria

  • Financial hardship

    You may be eligible for a financial hardship payment from your Essential Super account in two circumstances.

    Check financial hardship criteria

Access your PDS, investment factsheets & account forms

Things you should know

  • The information and any general advice on this page has been prepared without taking into account your objectives, financial situation or needs. For this reason, you should, before acting on this information and any general advice, consider the appropriateness of the information and any general advice, having regards to your objectives, financial situation or needs, and, if necessary, seek appropriate professional advice.

    Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the Trustee of Essential Super ABN 56 601 925 435 and the issuer of interests in Essential Super. Essential Super is distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (the Bank). Colonial First State (CFS) is Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 (HoldCo) and its subsidiaries which include AIL. The Bank holds an interest in CFS through its significant minority interest in HoldCo. The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). AIA Australia is not part of the Bank. The insurance cover is provided under policies issued to the Trustee.

    The Target Market Determination (TMD) for Essential Super can be found at and includes a description of who the financial product is appropriate for and any conditions on how the product can be distributed to customers. You should read the Product Disclosure Statement (PDS) and the Reference Guide for Essential Super carefully and consider whether the information is appropriate for you before making any decision regarding this product. Download the PDS and Reference Guides at or call us on 13 4074 for a copy. Neither the Bank, AIL, CFS, nor any of their respective subsidiaries guarantee the performance of Essential Super or the repayment of capital by Essential Super. An investment in this product is subject to risk, loss of income and capital invested. An investment in Essential Super is via a superannuation trust and is therefore not an investment in, deposit with or other liability of the Bank or its subsidiaries. Where we mention ‘we’, ‘us’ or ‘our’, we mean AIL.