How to protect your superannuation account from scams and cyber threats

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Published on 19 June 2025

Your superannuation account is one of your most important long-term investments so it’s crucial to keep it safe from superannuation scams and cyber threats.

With more financial transactions and account access happening online, it’s more important than ever to be vigilant about protecting your personal information. Cybercriminals can target superannuation accounts to steal your retirement savings or personal information. Taking a few simple steps to secure your future can make a big difference. In this article, we share practical tips to help keep your superannuation account safe.

How to spot a genuine message from Prime Super

In a genuine call, SMS or email from Prime Super, we will never ask you to:

Share sensitive information such as your multi-factor authentication code or PIN
Provide remote access to your device or ask you to download software

What suspicious communications may look like

You should watch for communications that:

Contain spelling, grammatical and/or punctuation errors
Pressure you to act urgently
Have unfamiliar links or attachments
Come from email addresses or phone numbers you do not recognise

If you’re unsure, it’s safer to double check before you click or respond.

Ways to protect yourself

STOP

- Don’t give personal information to anyone if you’re unsure about a message.

CHECK

- Verify requests and contact us immediately on 1800 675 839 if you receive a suspicious message.
- Be cautious of messages claiming your superannuation account is at risk, under review, or locked.

PROTECT

- Register for a MemberOnline account if you don’t already have one.
- Set a strong, secure password and change it regularly. You will have to use multi-factor authentication every time you log in to your MemberOnline account.
- Be cautious when using public Wi-Fi. We encourage you to wait until you’re on a secure network to check your superannuation account.

Common super scams to be aware of:

Unexpected calls from someone claiming to represent Prime Super, the ATO, Services Australia, or other government bodies.
Urgent pressure tactics urging you to act immediately or share personal details.
Offers that sound too good to be true, such as early access to your super or guaranteed high returns through a self-managed super fund (SMSF).
Fear-based threats, like warnings that your account will be frozen or that you’re under investigation.
Fake promises of government benefits or financial assistance, designed to trick you into sharing sensitive information.

What should you do if you receive a suspicious communication?

Do not click any links or open attachments
Screenshot or record details of the communication
Contact us on 1800 675 839 between 8am-8pm (AEDT/AEST) Monday to Friday or via MemberOnline.

Additional resources

Australian Cyber Security Centre and the National Anti-Scam Centre’s Scamwatch webpage – latest threats;
IDCARE’s Learning Centre - Information including identify theft; and
Australian Information Commissioner website for further information on protecting personal information.

_{This article is current at the date of publication and is subject to change. It contains general information only and does not take into account your specific objectives, financial situation needs or personal circumstances. You should seek personal advice or professional financial advice, consider your own circumstances and read our Product Disclosure Statement (PDS) before making a decision about Prime Super. A copy of the PDS and Target Market Determination is available by calling 1800 675 839 or by visiting primesuper.com.au/pds.}

_{Prime Super Pty Ltd ABN 81 067 241 016 AFSL 219723 RSE L0000277 is the Trustee of Prime Super ABN 60 562 335 823 RN 1000276.}