Not sure how or when to vote in the upcoming MUFG Retirement Solutions (RSS) Enterprise Agreement ballot? Read our FAQs below – and if you’ve still got questions, send them to [email protected].
When is the ballot and how does it work?
The ballot is expected to run from Wednesday 3 September to close of business on Friday 5 September 2025.
We expect that you will receive an email from IRBLOTS, an independent voting company, on Wednesday 3 September. It will contain your unique link to vote online.
The outcome will be decided by a simple majority — 50% plus one of those who vote. We encourage all MUFG RSS employees to have their say. The result will affect everyone, but only those who vote can shape the outcome.
Yes — your vote is completely confidential.
The ballot is being run by IRBLOTS, a trusted and independent provider of secure voting services. Protecting voter privacy is central to how they operate.
All votes submitted through their secret ballot process are guaranteed to be anonymous. No one — including your employer or the union — can see how you voted.
What happens if a majority vote ‘no’?
Negotiations will continue, with the FSU representing you.
A ‘no’ result sends a strong and clear message: the current proposal doesn’t meet employee expectations. It also gives MUFG RSS the opportunity to show it has listened by coming back with an improved offer.
Does MUFG RSS have to return to negotiations if we vote ‘no’?
Yes.
There is a lot of misinformation about what happens if we vote ‘no’ — but the facts are clear. Under the Fair Work Act, MUFG RSS are legally required to bargain in good faith. That obligation does not end simply because employees rejected a proposal that didn’t deliver.
Voting ‘no’ also does not mean endless delays. If management tries to walk away or stall, the FSU can escalate the matter to the Fair Work Commission.
A ‘no’ vote is a strong and legitimate way to tell MUFG RSS: this deal isn’t good enough — and we’re standing together for something better.
Could management come back with a worse offer if we vote ‘no’?
In the FSU’s experience, employers do not respond to a ‘no’ vote by returning with a worse offer. Doing so would show a complete lack of respect for employees.
Voting is a fundamental part of this process, and a ‘no’ vote is a clear and legitimate indication that the proposal doesn’t meet employees’ needs.
MUFG RSS should respect the outcome, listen to its workforce, and return to the table in good faith to work with the FSU on a proposal we can all support. Responding with a worse offer would only signal that the company is unwilling to engage respectfully with staff.
Recent history shows this is how it works.
In every case, employers returned to the table to negotiate a better deal. That’s what respect looks like — and it’s what we expect from RSS now.
What can I do to ensure we all vote ‘no’?
Make sure everyone knows what’s going on and what’s at stake!
If we vote ‘no’, will we have to wait for pay increases to be passed on?
Maybe. However, pay increases can be passed on at any time – with or without an Agreement in place.
Employers often claim that increases will only flow if a majority votes Yes. But this is simply a tactic to pressure staff. Whether or not pay is passed on is 100% MUFG’s choice. Passing on an increase is an administrative process.
You deserve both fair pay and fair conditions, and locking in both through a new EA with MUFG is the aim. Securing increases in an agreement guarantees that employers cannot pay below the agreed amounts.
Other employers have shown how this works. At Australian Retirement Trust (ART), an administrative increase was passed on after a No vote and topped up once a second ballot was successfully approved. Don’t be fooled by management’s scare tactics.
In short:
A No vote is not a dead end — it is a clear and legitimate signal that employees expect a better deal.
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