How can the Tribunal help? How do I make a complaint? Online Complaint Form

The Superannuation Complaints Tribunal is an independent dispute resolution body which offers a free, 'user-friendly' alternative to the court system. The Tribunal is completely impartial—we make decisions on the individual facts and merits of each complaint. We do not act for or represent any side to a complaint.

The Tribunal deals with complaints relating to decisions and conduct of trustees, insurers, and other decision-makers in relation to regulated superannuation funds, approved deposit funds, annuities, life policy funds and retirement savings accounts. The Tribunal does not, however, have an unlimited jurisdiction to deal with all superannuation-related matters. To find out what matters the Tribunal can and can't deal with, find out more.

A complaint can be made to the Tribunal that a decision or conduct was unfair or unreasonable in its practical outcome or consequence. The Tribunal's powers are limited to providing a remedy in relation to the demonstrated adverse impact of a decision or conduct. To find out what remedies the Tribunal can and can't provide, find out more.

Latest News

Australian Financial Complaints Authority – legislation passed »

Earlier this week, the Bill to establish the Australian Financial Complaints Authority (AFCA) passed through parliament. AFCA will be a new one-stop-shop dispute resolution scheme that will replace the Superannuation Complaints Tribunal (SCT), the Financial Ombudsman Service and the Credit and Investments Ombudsman.

The Government announced that AFCA will start receiving disputes from no later than 1 November 2018. SCT will continue to operate for a time after AFCA's introduction to resolve outstanding complaints.

2016-17 Annual Report »

The 2016-17 Annual Report of the Superannuation Complaints Tribunal was presented in Parliament on 16 October 2017.

The Superannuation Complaints Tribunal is the specialist, independent statutory dispute resolution body for superannuation-related complaints. During the 2016-17 year, the number of complaints and complex enquiries received by the Tribunal increased by 17% on the 2015-16 year.

First Steps

  1. Before contacting the Tribunal you must first complain to your superannuation provider. See sample complaint letter »
    If you are not satisfied with the response, or after 90 days you have had no response, you may make a complaint to the Tribunal.
  2. Before you make a complaint to the Tribunal, check to ensure your complaint is within the Tribunal's jurisdiction and that the Tribunal has power to provide a remedy.
  3. Your complaint to the Tribunal must be in writing. Download complaint form »
  4. Please contact the Tribunal on 1300 884 114 if you need assistance in lodging your complaint.