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Superannuation and retirement

Your superannuation is one of your most valuable assets. Both you and your employer contribute to it over your working life, so you can enjoy your independence in retirement.

Get on top of it today with our superannuation and pension offerings.

Solutions to suit your needs

ANZ Smart Choice Super

Applying  is easy and leaves you feeling like a boss!

  • Smart investments and insurance that adjust with your age
  • See your super next to your banking in ANZ Internet Banking or the ANZ App (not available on ANZ Plus)

ANZ Smart Choice Super for employers and their employees

Super organised by your employer.

  • Smart investments and insurance that adjust with your age
  • 2023 performance test results: Find out which investment options have not passed the test in the 2022/23 financial year

ANZ Smart Choice Pension

A regular income stream to help fund your independence when you're retired.

  • Choose how much money you receive and how often
  • Manage your pension and ANZ banking together online (not available on ANZ Plus)

ANZ SMSF Cash Hub Account

A cash account for self-managed super fund trustees to manage your cash.

  • No monthly account service fees & unlimited transactions
  • A central hub account that allows you to manage, use and grow your money
  • Convenient access via ANZ Internet Banking or the ANZ App (not available on ANZ Plus)

ANZ Smart Choice Super for businesses


ANZ Smart Choice Super for employers and their employees is an easy and convenient way to manage your staff super obligations, so that you can focus on what matters most - growing your business.

  • Pay no fees as an employer
  • MySuper compliant product that meets your super obligations
  • Manage your employees' super via ANZ EasyTransact, an easy to use online super contributions payment system at no cost to you
  • Fast set-up, great service

Has your employer signed you up for an ANZ Smart Choice Super account?

Welcome! Learn more about your ANZ Smart Choice Super for employers and their employees account.

Find lost and unclaimed superannuation

Login to your ANZ Smart Choice Super account via ANZ Internet Banking or ANZ Smart Choice Super online access to find your other super account(s)disclaimer – including any you've lost along the way and, if you want to, we'll help you bring them all together in just a few clicks.disclaimer

Get started


What is superannuation?

Your super is one of your most valuable assets. Most working Australians have a super account.

The Superannuation Guarantee means your employer pays 11 per cent of your salary (FY2023/24) into your super account throughout your working life. There are also tax incentives for contributing extra via salary sacrifice or personal contributions. Having a good super account which doesn’t charge high fees, helps you make the most of the money you’ve worked so hard for.

Your super is your independence. Get on top of it today with one of ANZ’s super offerings.

Visit our learning centre to get your questions about superannuation answered and read inspirational stories from people just like you.


 

ANZ OneAnswer Investment Portfolio

ANZ OneAnswer Investment Portfolio is only available to existing investors as at 1 July 2013.

For new investors, please refer to OneAnswer Frontier Investment Portfolio.

Learn more


Your super is your independence. Get on top of it today.

Manage my account

Find your superdisclaimer, check your balance and transactions, review and adjust your investment mix and more.
 

Manage my account

 

Start a conversation

Give us a call on 13 12 87, we are ready to chat Monday-Friday 8:30am to 6:30pm (Sydney/Melbourne time).
 

Call now

 

ANZ App

If you are an ANZ Bank customer, keep track of your super on the ANZ App (not available on ANZ Plus). Feature only available on iOS devices.
 

Get started

 

ANZ Smart Choice Super information and forms

Trustee and Fund information

ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited.

Learn more

Product updates

Read the latest updates about product, insurance or regulatory changes that may impact your ANZ Smart Choice Super account.

Learn more

Forms

Find the form you’re looking for.

Find a form

Learn more about super and retirement

It's your choice - default super isn't mandatory

Changing jobs doesn’t mean you have to change super funds. Learn how you can consolidate your super with ANZ Smart Choice.

Tips for managing your super throughout your life

Actively managing your super throughout your life is key to a comfortable retirement. Here are some of the most common considerations.

  

Accessing your superannuation in retirement

Take your super as an income stream, a lump sum, or a combination of both. Find out which option's best for you.

  

Super is seriously tax-friendly

Super remains one of the most tax-effective ways to save for your retirement so it’s important to understand how you can best benefit from it.

  

Downloads - important documents

Insurance information and updates

More

How to make a complaint, compliment or provide feedback

We value your feedback regarding our performance and we’re committed to resolving any concerns you may have. If you have a complaint about ANZ Smart Choice Super and/or Pension (or wish to obtain further information about the status of an existing complaint), please:

Call us on:

13 12 87 weekdays from 8:30am to 6:30pm (Sydney/Melbourne time)

+61 2 9234 6112 for international clients

 

Email us at: superfeedback@ioof.com.au

Lodge an online compliment, suggestion or complaint

Write to:

OnePath
GPO Box 5306
Sydney NSW 2001

Where possible, concerns will be resolved straight away. 

Where this is not possible or further investigation is required to resolve your complaint, our ClientFirst team will acknowledge your complaint within one business day and will consider and respond to your complaint as quickly as possible. At any stage you're welcome to contact your assigned Case Manager for an update on the progress of your complaint.

Your complaint will be reviewed in line with our principles: 

  • Be human - we treat those around us the way we’d like to be treated – openly, honestly and respectfully. 
  • Deliver what matters - we make sure we understand what matters to every client and we make it happen. 
  • Stronger together - only by working together can we truly serve our clients.
  • Keep it simple - we remove complexity.
  • Do what’s right, not what’s easy - we back ourselves to make the right call. We speak up.
 

If you are not satisfied with the resolution offered, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA.

Australian Financial Complaints Authority (AFCA)

AFCA offers fair and independent complaint resolution service that is free to consumers.

Website: www.afca.org.au

Email: info@afca.org.au

Telephone:

1800 931 678 (free call) - on weekdays (except on public holidays) from 9am to 5pm (Sydney/Melbourne time).

In writing to:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001

There are some time limits for lodging certain complaints. This includes complaints about the payment of a death benefit, which you must lodge with AFCA within 28 days of being given our written decision.

IOOF Group Complaints Policy documents

IOOF Group Complaints Policy (PDF) 

IOOF Group Complaints Policy – Arabic (PDF)

IOOF Group Complaints Policy - Greek (PDF)

IOOF Group Complaints Policy – Italian (PDF)

IOOF Group Complaints Policy - Simplified Chinese (PDF)

IOOF Group Complaints Policy - Traditional Chinese (PDF)

IOOF Group Complaints Policy - Vietnamese (PDF)

IOOF Complaint Acknowledgment Flyer (PDF)

   

“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF)ANZ Smart Choice Super for employers and their employees (PDF) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF). The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522).  We recommend that you read the ANZ Financial Services Guide (PDF), before deciding whether to acquire or continue to hold this product. View the ANZ Smart Choice Super and Pension Target Market Determination (PDF). ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees are MySuper compliant products issued pursuant to the latest PDS available at anz.com/smartchoicesuper. View the ANZ Smart Choice Super for employer and their employees Target Market Determination (PDF). ANZ Smart Choice Super is part of the Retirement Portfolio Service (the Fund) (ABN 61 808 189 263) and is issued by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673) (OPC), the trustee of the Fund. OPC is a member of the Insignia Financial Group of companies, comprising Insignia Financial Ltd (formerly IOOF Holdings Ltd) ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). The Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial Group of companies (including OPC) are not related bodies corporate. ANZ does not stand behind or guarantee these products.

Before re-directing your super or moving your money into ANZ Smart Choice Super, you will need to consider whether there are any adverse consequences for you, including loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid. 

This information is of a general nature and has been prepared without taking account of your personal needs, financial situation or objectives. Before acting on this information, you should consider whether the information is appropriate for you having regard to your personal needs, financial circumstances or objectives.

All fees are subject to change. Other key features are relevant when choosing a super fund, including performance. Past performance is not indicative of future performance.

Taxation law is complex and this information has been prepared as a guide only and does not represent taxation advice. Please see your tax adviser for independent taxation advice. The information on insurance cover is a summary only of the terms and conditions applying to the insurance cover. To the extent there is any inconsistency with the terms of the insurance cover provided by the insurer, the terms of the insurance policy will prevail.

The ANZ App is provided by ANZ. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. 

Apple Pay and Touch ID are trademarks of Apple Inc.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.

Note: if the ATO‘s SuperMatch service is not available, we will not be able to search for your other super account(s).

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What to consider before you consolidate your super: Firstly, is ANZ Smart Choice Super right for you? We are not providing you with any advice to transfer your super to ANZ Smart Choice Super. Before you transfer, think if there are any adverse consequences for you, including fees, other loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks, and where your future employer contributions will be paid. Check your annual statements or other documents from your existing super funds. If you need help, you should seek financial advice.

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Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently ).  After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.

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