Rest Superannuation

Every transaction since retirement has not been processed within the time frames they tell you or I have not received notification or, there has been a problem from their end that means the five days to process starts again or, they provide you with false and misleading information. All of which means that your money sits in their transactions account longer.

My experience with REST has involved repeated delays, inconsistent information and complaint responses that did not actually address the issues I raised. I initially submitted my financial hardship application on 17 July 2026. Between 17 and 31 July, I contacted REST three separate times specifically to make sure everything was complete and to… Read more

ask whether anything else was required.

I was told things were fine.

It was only when I contacted REST for a fourth time that I was finally told additional information was actually needed.

I was then specifically instructed to have my ID certified by a police officer.

Because I wanted to avoid further delays, I asked more than once whether the ID was the last thing that needed to be verified and whether there was anything else I needed to have done.

I was told it was only the ID.

I obtained the certification and submitted my driver's licence believing that I had now completed the outstanding requirements.

I raised complaints about the earlier handling of my application, including why I had not been told sooner despite contacting REST three times, and why I had specifically been required to use a police officer.

Those issues were not actually addressed in the response I received.

Instead, the response told me that there was another requirement — my bank statement also needed to be verified.

I only discovered this after I had completed the ID verification and contacted REST believing my application was now complete.

I was later told that an earlier agent had apparently forgotten to mention the bank statement requirement.

That was particularly frustrating because I had specifically asked whether there was anything else I needed to get verified and had been told no.

I also later questioned the police officer requirement and was told that REST did not have a policy saying certification had to be performed specifically by a police officer. I was told it was simply the instruction from the processing team.

Again, my concern about why that requirement had been imposed was not properly answered.

After dealing with these additional requirements, I finally submitted my last required form on 1 September 2026.

This is a financial hardship application. I applied because I am already struggling financially and need access to this money.

More recently, during live chat, I was told my application was under review and that it could take up to 10 days because the review was taking longer this time.

The live chat representative also lodged another complaint on my behalf.

I asked when those 10 days officially started.

They could not tell me.

I then called REST and asked again.

The phone representative could not tell me either.

I was told that once the 10 days had passed, REST would try its hardest to get the payment to me as soon as possible.

But if nobody can tell me when those 10 days started, I have no way of knowing when they are supposed to finish.

I have retained the full live chat transcript and records of my communications and I am now escalating the matter to AFCA.

For a financial hardship application, the repeated missing information, additional requirements and lack of a clear timeline have made the financial situation I am already struggling with even harder.

If i could give a negative review, I would. I have been with REST only a short time, and up until 2 months ago, I was happy with the service. Not anymore. They have reduced me to tears, a babbling mess. Why? All I want to know is why is my withdrawal request taking so long? 4 weeks to date. Their reply? "delays", "multiple levels the request has… Read more

to go through". I cannot get a straight answer out of them. I lodged a complaint last week, and I was assured it was to be escalated through to the trustees (as the processing team don't take calls) and action would be taken. I rang this morning and again was assured that my complaint would be escalated. I feel as if I'm being penalised for wanting to withdraw my money! It's not even theirs. I'm not angry with the front line staff or the supervisors I spoke with, they're only doing what they have access to. I've worked my entire life, and all I want is to be able withdraw money from my super for my own personal use.

Has anyone else had issues getting their money out of REST?

Is there a '0'? They sent us an official form stating they had received our TFN (we put it in our application form and also provided it online). Then MONTHS later they start sending scam emails demanding that we provide our TFN via UNSECURE… Read more

methods such as email or a chat in a browser - not even in a VPN!! They then told us they could not accept our contributions because they don't have the TFN !!! This is nearly ONE YEAR after they took our money!! Note - the Super / ATO website clearly states that if you don't provide a TFN, then the super fund MUST accept your contribution but the tax treatment will change. It does NOT say that the super fund can refuse your contribution. Every time we call we are diverted to some call centre in India, cannot understand a word they are saying and if they don't know the answer - they just HANG UP. This is your life savings. These people should go to jail for the stress they are causing by mishandling the life savings of people. STAY AWAY FROM THEM.

Locked Out for Months – Shocking Service from REST Super Review: My elderly parents-in-law have been locked out of their REST Super accounts for months, with no resolution despite endless calls and promises. REST has removed the “Forgot Password /… Read more

Reset Password” link from their website, so the only option is to phone them. Every time they send a reset link, the new password is accepted during the reset process, but when you try to use it for the very first login, it fails immediately, forcing you to start all over again.

The customer service is appalling. You’re told to clear cache, delete cookies, try another browser – all pointless. When you ask to escalate, you’re put on hold forever, denied a supervisor, or simply hung up on. After months of this, my parents-in-law still have no online access to their own retirement savings. We have now had to resort to lodging a formal complaint with AFCA just to get this addressed.

This is not just bad service – it’s negligence. Elderly members rely on online access to manage their super, yet REST has failed to provide even the most basic functionality. The stress, frustration, and wasted hours caused by their indifference is unacceptable.

If you are considering REST Super, think very carefully. A fund that cannot provide members with reliable account access, or even treat them with respect when they ask for help, should not be trusted with your retirement savings. We have now raised a complaint with AFCA which I encourage anyone else to do should you have issues with REST.

I've been with REST over 21 yrs. I now have 2 accts with REST. Over the years, I have withdrawn funds a few times with no problems, specially now that you can withdraw over the phone (twice in 2 months without paperwork) after being properly verified. FUNDS hit my account the next day, too. I was extremely happy. Today, I rang because I couldn't… Read more ·  1

access my SuperAccount (on Apps or online) only my Pension Acct. I spoke to Ulysses at the Gold Coast Centre(I asked because he spoke with an accent, not being a racist here). It took more than 30 minutes to resolve my issues. That's fine because I can finally access both accounts without having to log in/log out to access each account. I'm a baby boomer who is not tech savvy. Ulysses patiently guided me through the steps. Made sure I can do it myself without his help. Unlike other customer service people I spoke to a few times with the same problem, they just said: uninstall and install the Apps again. My tech savvy son even tried but to no success. The problem was within their system, which Ulysses has patiently corrected. Over the years, I've been frustrated with some of the customer service staff who just brush off your concerns with excuses. From experience, I think REST has come a long way to improve their act. Ulysses also helped me with personal contribution issue and offered suggestion (being end of financial year). I take my hat off to you for a job very well done. Coming from decades of working in a Customer Service Industry (banking, aged care, retail, volunteering etc) I know what Customer Service is. It's the care/attitude of wanting to help and resolve the problems.

Spoke to Astrid today, super helpful and got everything done with one phone call. Have been a Rest member for about 25 years and they've always been easy to deal with, and the income protection insurance has kept me alive for a number of years. Awesome. Show reply

The Rest Super Advice Team is fantastic! They’re really helpful, easy to work with, and best of all, it was completely free. Their guidance made a real difference for me. Highly recommend! Show reply

I am extremely frustrated and exhausted with the service I have received from Rest. I have been trying for months to get a very simple issue resolved — correcting my personal details so I can transfer my super to my main super fund, AustralianSuper. I have contacted Rest multiple times, used the online chat, completed forms online several times,… Read more

and followed the instructions I was given. I even received an email from Rest saying that my details had been updated, but when I logged back into my account, the incorrect information was still there.

Every time I contact Rest, I seem to get a different answer. One person tells me they cannot find or did not receive something, another tells me the form was completed incorrectly, and then I am told to complete another form or contact someone else. I feel like I am constantly being passed from one person to another without anyone actually taking responsibility for resolving the problem.

Most recently, I was told that both my surname and date of birth are incorrect on my account. I was also told that one of my previous forms was considered invalid because the date was entered incorrectly. I understand that mistakes can happen, but after months of contacting Rest and repeatedly trying to follow their instructions, I desperately need someone to actually help me resolve this from start to finish.

This should not be such a complicated and exhausting process. I am simply trying to correct my personal information and transfer my own superannuation money to AustralianSuper.

I am genuinely asking: Can someone at Rest please take ownership of this issue and help me finally resolve it? I am exhausted from repeating the same story, completing forms, receiving conflicting information, and still seeing the same incorrect details in my account.

Coming up to financial year end I visited my REST Super account and discovered overcharging fees had been credited to my account. No comment, no advice, no apology! This continued a lamentably poor level of support, communication and investment performance over 8 years so I decided to withdraw my funds. Easier said than done! I completed all of… Read more

the requisite online forms. After a fortnight I visited the account online.. nothing had changed. So I reached out on the REST App which is totally useless with AI Bots not well trained or user friendly! I eventually talked to a real person after an hour and was assured all was in place and to expect the funds to be in my nominated account within 5 working days. After over 10 working days nothing has changed. The bots are in charge and totally useless! The two human service representatives assigned by the bots never picked up! I am about to lodge a formal complaint with AFCA.

Trying to withdraw my money and they say "upto 5 days" to process then another 2 to 3 days for it to appear in my bank account! It's been 9 days so far and no sign of it being processed and all I get from customer service, and this is the… Read more

supervisor, we don't know how long it will take to process your "claim" but we'll text you when it's done. Just not good enough, upto 5 days to transfer cash to my bank account is woeful and 2 to 3 days to be in my account where does it go in the mean time? Not even meeting their processing timeframe is pathetic. If this is how they operate i need to ask, is my money safe with them? An update, today I get another (this is the 4th) request to verify my identity! And advice from customer service, it will take up to 5 days to process!!! I don't think I'll ever get my money. Final note, I've put in a formal complaint and they say they will get back to me in 45 days. Find another super company

Have been a member for twenty five years. Now retired. Making lump sum withdrawals for over a year without incident. Have today been told that what is normally a five business day process from date of application, will take up to fifteen days. Today is day ten and we have been left without any funds, it is a weekend and we have financial… Read more

commitments. Phone calls to customer service have had no satisfactory results. Will be looking at other funds to continue management of our retirement. Have been considering this for a while. Steer clear. There are better funds out there.

Pathetic id*ots worst in the country.... read all the terrible reviews. TV advert kinda shows how they try to grab people to invest with them. Look up reviews on an internet search, it shows how many people give one star. Keep away from these dirt bags.

The most useless company on the face of the earth. Have spoken to these people 5 or 6 times now trying to do a change of name so i can consolidate my funds to a super company who actually have reasonable customer service. Every time I've called, they tell me, "Yep, we've got all the info we need, we will process it" only to be sent mail a week… Read more

later to say i need to call them again because they need more information. Most of the people i have spoken to on the phone have been rude and unfriendly. This has been going on for 3 months! Absolutely absurd business, I am beyond upset with these id*ots.

The absolutely WORST SUPER FUND IN THE MARKET. Deliberate delaying tactics of processing withdrawals, using a 'security thing' as a reason to further delay receiving money. Would not want this abisymal company handling any of my money ever. Greedy greedy pigs and their customer service is nothing short of atrocious.

Sudden Recent Change on company’s apps to add security, totally unneeded, very user UNfriendly, and cannot go into the apps ever again since then. Hard to communicate with their customer service with long waiting on whatsapp

As others have said, if i could leave zero starts instead of 1, i would. The most unprofessional organisation I've dealt with in living memory. They continually lie, invent new excuses upon each enquiry into why they fail to roll over my funds, no wonder I made the choice. Honestly , get onto it now and take your super elsewhere, it may well take a few months to get it off them.

Don't expect to able to withdraw it any time soon - they are terrible! I needed to withdraw to help someone escape a domestic violence situation and although they say 5 business days, I think they mean 5 years! It's atrocious. Wish i had read the review before giving them my money!!

Terrible to deal with! I have been trying to transfer my money out of REST into an SMSF for over 6 weeks now - they always find an excuse why it can't happen and then are cagey with their answers instead of spelling out exactly what is wrong/missing. They have tried blaming an inconsistency with info held by the ATO even though I have given them a… Read more

copy of our rego with the ATO along with many other docs requested. They just quoted me a 3 day wait to give me a copy of their email to the ATO for me to check. Strangely, my husband who was with another fund, got his money transferred within a week of requesting it - no problems. Avoid this company at all costs - imagine when the times comes that you actually need it and they treat you like this!! Shocking service.

As of 09/04/2026 - 3 weeks after writing this review, REST still have not transferred my super into my SMSF despite having all of the information they require - which has been confirmed multiple times over the phone. The only thing they do well is speak to clients in a patronising tone and transfer client calls from one person to another, never resolving anything and proving complete incompetence.

Appaling service that has cost me money due to the lies and disintetest in their customer needs. Phone staff ok but somehow they must be told to stall any queries on withdrawals. Horrible company

I filled on an online withdrawal form. Two days later I called to make sure kt was received and completed correctly. It was and I was assured my application would be procced in 5 business days at the latest. After 10 days I called up again to see what is causing the delay. They couldn't tell me.. My application has not even been looked at. All I… Read more

get in the phone is we has escalated your complaint. How is that a complaint? I am an old lady in need of her money without having to make so far 5 phone calls. Still waiting for my money.

Worst super fund ever, requested more than personal information off me for a super transfer via ATO link and that's federal. It has now taken 4 weeks to transfer my super across to another company just so they can keep getting the revenue interest from my money.

The worst super company in Melbourne, if you want withdraw at age 66 it will take 20+ day or more theres always something stupid to confirm to DRAG out longer/BIG TYRE KICKERS and they lie to you about what day MONEYS IN YOUR ACCOUNT some say 3-4 days some say 4-6 its been over 10 days/-20 DAYS/SO UNPROFFESSIONAL IM MOVING TO ANTHER TAKING ALL MY MONEY WITH ME .