Introduction to secondary user account migration
From 16 August 2026, we’re making it easier to manage multiple Independent Reserve logins. If you have a Personal account and also use a separate login to access another user’s account as a secondary/sub-user, you can now consolidate them.
Migrating your secondary/sub-user account transfers its access, roles and permissions to your Personal account. From then on, you will use a single login and switch between accounts. Your Personal account keeps its history, balances and security settings, and the old secondary/sub-user login stops working after migration.
Only migrate accounts you were invited to as a secondary/sub-user. Any account you own yourself, whether it’s a company, trust or SMSF account, remains a separate login. Support for consolidating company, trust, and SMSF accounts you own will be available in a future release.
Before you migrate: mobile access
Secondary/sub-user account access on mobile will be unavailable for approximately 3 weeks after migration. During that time, you’ll need to use the web portal to log in to migrated accounts. Your Personal account works on mobile as normal.
Frequently asked questions
I received an email about migrating a secondary/sub-user account. Am I affected?
Yes. You would have received an email if you met the following criteria:
1. You have a Personal Independent Reserve account or,
2. You are a secondary user for one or more accounts.
Where do I migrate/consolidate my secondary/sub-user account to?
To your Personal Independent Reserve account. If you have a trust, SMSF or company account, you currently cannot migrate secondary/sub-user accounts to those entities. It can only be your personal account.
What is the criteria for me to migrate a secondary/sub-user account to my Personal account?
The criteria for migrating your secondary accounts are:
- You use the same email address
- Matching first name and last name
- Matching date of birth across all applicable accounts
- Matching phone number
Do I have to migrate my account?
No, you don’t have to. However, it is strongly recommended, as you will only need to remember one login. From that login, you will be able to easily switch between your Personal and secondary/sub-accounts.
What happens when accounts are migrated?
Once you successfully migrate an account, your old secondary/sub-user login will cease to work. You will only be able to access it through your Personal Independent Reserve account.
What happens to my old two-factor authentication (2FA) codes?
Once successfully migrated. You can delete your old 2FA information from your phone. Be sure not to delete your Personal (primary) 2FA.
What do I need to do to complete the migration process?
You need the username, password and 2FA codes for all of your secondary/sub-user accounts. Additionally, you need to be logged into your Personal (primary) Independent Reserve account.
Can I migrate my SMSF, trust or company accounts?
Not yet. This option will be available in late 2026. However, for this first stage, you will not be able to migrate SMSF, trust, or company accounts under your Personal account.
Can I migrate secondary/sub-user accounts into my SMSF, trust or company accounts?
No.
How many secondary/sub-user accounts can be migrated?
You can migrate an unlimited number of accounts.
What if my migration fails?
No changes will be made. If the migration fails due to an incorrect username, password or 2FA, you can attempt again.
Make sure to confirm that the accounts you’re trying to migrate have matching details:
- First and last name
- Date of birth
- Phone number
Otherwise, make sure you’re not trying to migrate accounts to an SMSF, trust or company account.
Do I need to have the same email address to successfully migrate accounts?
Yes. Different emails will not allow migration to work.
Can I change my email address on secondary accounts to allow for migration?
Yes. If you change your email address to match your Personal (primary) email address, you can migrate the secondary/sub-user account. Please note that all of the following details on your account have to match as well:
- First and last name
- Date of birth
- Phone number
I’ve invited sub-users to my account. Do I have to do anything?
No. Not unless you have secondary/sub-user accounts of your own. In which case, you may migrate them to your Personal (primary) account.
Will I be able to use the mobile app after migrating?
Your personal (primary) account will work on mobile as normal. However, secondary/sub-user account access will not be available on mobile for approximately 3 weeks. You will need to use the web portal to log in and access your secondary/sub-user accounts.
Can I undo the migration once it is complete?
No. Once migration is complete, it is not reversible.
How do I migrate my secondary/sub-user accounts?
Ensure you have a Personal Independent Reserve account. Log in and go to https://portal.independentreserve.com/account/merge and follow the prompts.
