Had an issue with
Aware Super
? Get a real response.

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Aware Super
that actually gets heard.

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Reviewed by Ajust Content Team
Last updated
April 2, 2026
AI-assisted and reviewed for accuracy. Something out of date? Let us know.

How to submit a complaint with
Aware Super
 

You can lodge a complaint with Aware Super using the method that suits you best. Complaints can be made by members, former members, beneficiaries, or anyone impacted by Aware Super’s services.

  • Call Aware Super on 1300 650 873 (Monday to Friday, 8:00am–7:00pm AEST) and tell the consultant you want to make a formal complaint. Many issues can be resolved during the call, and more complex matters will be logged for investigation.
  • Submit a complaint using Aware Super’s online complaint form. Provide clear details about what happened, when it happened, and the outcome you want so the complaints team can assess it quickly.
  • Email the Complaints Officer with a written complaint. Clearly state that your message is a formal complaint and include your member details, contact information, and a full description of the issue.
  • Send your complaint by post if you prefer to write or need to include physical documents. Mark the envelope and letter as a complaint so it is handled correctly.
  • Raise your concern in person if you already have an appointment or are attending an Aware Super event. Staff can guide you to the correct formal complaint channel.

To avoid delays, include your full name, member number, contact details, relevant dates, and any supporting documents when you submit your complaint.

What happens after you submit a complaint to Aware Super?

Aware Super aims to acknowledge complaints within one business day, or as soon as practicable. If you call, this may happen during the same conversation. If you submit a complaint online, by email, or by post, you should receive an acknowledgment with a reference number.

After acknowledgment, Aware Super will review your complaint to see if it can be resolved quickly. Some straightforward issues are resolved within a few business days without needing a formal written outcome.

If your complaint requires investigation, it will be handled by a specialist complaints team or a designated case manager. They may review account records, transaction history, and internal processes, and they may contact you if further information is needed.

Maximum timeframes depend on the type of complaint:

  • Up to 30 days for complaints related to financial advice or privacy.
  • Up to 45 days for most superannuation complaints.
  • Up to 90 days for death benefit distribution complaints.

If Aware Super cannot meet the applicable timeframe, they should explain the delay and advise you of your right to escalate externally. When the investigation is complete, you will receive a written response explaining the outcome, the reasons for the decision, and what happens next.

Common complaints against
Aware Super

Some issues come up more frequently in Aware Super complaints. If your concern fits one of these, it can help to clearly name it in your complaint.

  • Customer service delays, including long hold times or slow responses to emails and requests.
  • Administrative errors, such as incorrect paperwork, misplaced documents, or issues caused by fund mergers and system changes.
  • Delays or difficulties with withdrawals, rollovers, or payments, including repeated identity checks or missing documentation.
  • Communication and follow-through problems, such as promised callbacks that do not occur or a lack of updates on progress.
  • Complex case handling issues, including death benefits, power of attorney matters, or managing accounts for elderly or incapacitated members.
  • Errors related to investment switches or account changes that result in unexpected outcomes.

These issues can usually be addressed through the formal complaints process when they are clearly documented and followed up.

Aware Super
 complaints submitted through Ajust

I went through a formal complaint with Aware Super after trying to withdraw part of my approved TPD payout. I was never told there was a 12-month window to access the money without extra medical letters or a 22% tax rate. Now they’re shifting requirements and blaming the ATO. I feel they withheld critical information, and that lack of transparency is why I escalated my complaint. - Linda

How other consumers
Aware Super
 complaints got resolved

A privacy breach combined with a delayed death benefit payment was escalated after the member advised they would involve regulators. Aware Super apologised for the error and expedited the payout once the seriousness of the issue was recognised.

An incorrect investment switch was identified by a member who noticed their account had been moved to the wrong option. After lodging a formal complaint, Aware Super investigated, corrected the error, and compensated the member for the financial impact.

A complaint that stalled after multiple internal escalations was ultimately resolved once the member lodged the issue with AFCA. A senior complaints officer contacted the member, apologised for the delays, and implemented the required fix.

How to escalate a complaint with Aware Super

If your complaint is not resolved through initial contact with Aware Super, escalation is a reasonable next step.

  • Ask for your complaint to be escalated to a manager or supervisor if you are not making progress.
  • Contact the Complaints Officer directly, referencing your complaint number and explaining why you are dissatisfied with the handling or outcome.
  • Request that your complaint be treated under Aware Super’s Internal Dispute Resolution process if it has not already been.
  • Keep notes of dates, names, and promises made so you can clearly summarise the issue when escalating.
  • If Aware Super does not resolve your complaint within the required timeframe, or if you receive a final response you believe is unfair, you can escalate externally.

Regulatory & Ombudsman Information for Aware Super

If you are not satisfied with Aware Super’s final response, or if the complaint is not resolved within the required timeframe, you can contact the Australian Financial Complaints Authority (AFCA). AFCA is an independent and free service that reviews superannuation complaints and can require Aware Super to take action if you accept its decision.

Other regulators may be relevant in specific situations:

  • ASIC accepts reports of misconduct or systemic issues in financial services.
  • APRA oversees superannuation fund governance and prudential compliance.
  • The Office of the Australian Information Commissioner handles unresolved privacy complaints.
  • The Australian Taxation Office can assist if your complaint relates to unpaid employer super contributions.

For most individual disputes about super accounts, payments, fees, or insurance in super, AFCA is the primary external pathway for resolution.

Official Aware Super Complaint Resources & Links

Aware Super
Complaints FAQs

How do I lodge a formal complaint with Aware Super the right way?

Aware Super allows you to submit a formal complaint by phone, online form, email, post, or in person. The fastest way is usually calling 1300 650 873 between 8:00am–7:00pm AEST, where some issues are resolved immediately. If submitting online, by email, or post, clearly state it is a formal complaint and include your full name, member number, contact details, relevant dates, supporting documents, and the outcome you want to avoid delays.

How long does Aware Super have to respond to a complaint?

Aware Super must respond to superannuation complaints within strict maximum timeframes, depending on the issue type. Most super complaints must be resolved within 45 days, financial advice or privacy complaints within 30 days, and death benefit complaints within 90 days. You should receive acknowledgment within one business day. If these timeframes are missed, Aware Super must explain the delay and inform you of your right to escalate externally.

What are the most common complaints about Aware Super?

Common Aware Super complaints include delays, administrative errors, withdrawal issues, and communication failures. Members frequently report long hold times, slow responses, incorrect paperwork, investment switch errors, delayed rollovers or payments, and poor follow-through. Clearly naming the issue in your complaint and documenting dates, promises, and supporting evidence improves your chances of a faster resolution through the formal complaints process.

What can I do if Aware Super does not resolve my complaint?

If Aware Super does not resolve your complaint, you can escalate it internally or lodge a dispute with the Australian Financial Complaints Authority (AFCA). You can request escalation to a manager, contact the Complaints Officer referencing your complaint number, or ask for Internal Dispute Resolution. If you receive an unsatisfactory final response or no response within the required timeframe, AFCA can independently review the dispute and require Aware Super to act.

You’ve done your part, now it’s time to hold
Aware Super
accountable.

Take the final step and submit a complaint that gets seen and responded to.