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ANZ Smart Choice Super

ANZ Smart Choice Super is super that’s easy to take care of, offers savvy investments, helping you to feel confident about your future.

Read the PDS (PDF) and consider if it's right for you.

Apply now

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ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited, which is a part of the Insignia Financial group of companies.

Read the PDS (PDF) and consider if it's right for you. Apply in around 5 minutes.

Apply now

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.

Learn more

Features and benefits for you

Smart investments that adjust with your age

Our investment experts select a mix of investments which adjust based on your agedisclaimer– so the hard work is already done. Find out how ANZ Smart Choice Super has performed.

Watch your super grow

Stay in control of your super and watch it growdisclaimeralongside your ANZ bank accounts through ANZ Internet Banking or the ANZ App (not available on ANZ Plus).

 

Insurance cover to suit

You can have peace of mind with a range of insurance options to have you covered if the ‘unexpected’ happens.

Find your super in a few clicks

Find all 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

Smart investments

Your super automatically prepares you for retirement - now that’s smart. Designed to suit no matter where you are in life, your Lifestage investment option selects a mix of investments based on your agedisclaimerand adjusts them as you get older – so the hard work’s already been done.

If you want a more active role in your investment decisions and the ability to construct your own portfolio, you can choose your own investment mix from a range of multi-asset and single-asset investment options. You can then compare or change your investments at any time through ANZ Internet Banking or ANZ Smart Choice Super online access.

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ANZ Smart Choice Super FAQs

If you’re working in Australia, you’ll need a super account! Whether you’re an Australian citizen, permanent resident, working holiday maker or international student, ANZ Smart Choice Super is an easy super product that anyone in Australia can apply for.

Take a moment to read the Product Disclosure Statement (PDF) and Target Market Determination (PDF), and consider if it's right for you. Please note eligibility criteria applies to Insurance within ANZ Smart Choice Super which you can learn more about in the Additional Information Guide (PDF).

It’s easy to apply for an ANZ Smart Choice Super account! You can easily apply through our online application in around 5 minutes, or if you’re an existing ANZ customer, you can fast track your application by applying online through ANZ Internet Banking or the ANZ App on your Apple device (not available on ANZ Plus).

Before applying, we recommend you read the Product Disclosure Statement (PDF) and Target Market Determination (PDF) and consider if it's right for you. 

Once you’ve submitted your application, your account should be opened within 3 business days. And when your account is all set up, remember to tell your employer where to pay your super contributions and get your questions about superannuation answered.

It is free to apply for an ANZ Smart Choice Super account and no fees are charged until there are funds in your account.

Like all super funds, ANZ Smart Choice Super charges fees for managing your account and investments. We'll be upfront about your fees and what they're for - so you can feel confident about your super.

These fees are deducted from the balance of your super so there is no impact on your take home pay.

Generally, superannuation funds charge a range of fees for administration and investment management. 

ANZ Smart Choice Super charges a monthly Administration fee and an annual expense recovery levy to cover the administration and operational costs of the superannuation fund. There are also Investment fees and costs and Transaction costs that relate to the costs of managing your investments. The amount of fees and charges will vary based on your superannuation balance, your investment mix, whether you switch between investment options and other factors.

To give you a clear picture of the ongoing annual fees and costs of ANZ Smart Choice Super please view our Product Disclosure Statement (PDF).

ANZ Smart Choice Super gives you the confidence of smart insurance, offering a range of options including Death, Total and Permanent Disability (TPD) and Income Protection (IP).

You can choose your own level of cover (subject to maximum benefit levels) or choose the convenience of Lifestage cover. Lifestage cover is based on your age and automatically increases cover for when you’re likely to have greater commitments and lowers cover when you’re likely to have less.

View how much cover you could get with the insurance through your super tool. disclaimer

For all cover types, Insurance Fees are automatically deducted from your super balance, so they have no impact on your take home pay.

ANZ Smart Choice Super doesn't believe that one investment suits everyone. That is why we offer two investment choices: ‘Lifestage’ and ‘Choose your own’.

  • With the Lifestage option, the ANZ Smart Choice Super investment experts select a mix of investments based on your decade of birth which automatically adjust as you get older, so your super is tailored to your needs.
  • With the ‘Choose your own’ investment mix you can take a more active role in your investment decisions. You can choose from a range of carefully selected multi-asset or single-asset investment options - designed to suit different levels of risk and potential returns. 

Use the investment tool to see the investment options available. 

We can help you round up all of your super in a few clicks. Find all your other super account(s)- 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 so you don't pay multiple sets of fees. disclaimer 

Before you consolidate your super it’s important to consider if ANZ Smart Choice Super is right for you, as well as considering the fees, costs, investment options, or if there are any adverse consequences for you, including fees, other loss of benefits such as insurance cover. If you need help, you should seek financial advice.

To find and consolidate your super:

  1. Get online: Log on to ANZ Internet Banking, the ANZ App (on iOS only, not available on ANZ Plus) or directly via www.anz.com.au/smartchoiceaccess
  2. Search: Consent to an ATO SuperMatch searchdisclaimer using your TFN and you'll see your other funds in just a few seconds.
  3. Submit: Select the accounts you would like to consolidate into your ANZ Smart Choice Super account and the rest is taken care of. No paper forms required.

There's no fee for this service however you should consider if consolidation is right for you.

How do I ask my employer to pay super contributions into my ANZ Smart Choice Super account?

The easiest way to tell your employer about your new ANZ Smart Choice Super account is to email or hand them your completed Super Choice form.

It is as easy as three simple steps:

  1. Log into your ANZ Smart Choice Super account via: ANZ Internet Banking and selecting your linked superannuation account; or  directly via www.anz.com.au/smartchoiceaccess
  2. Click on the 'Tools & resources' tab. From there, click on 'Notify my employer' on the left-hand side, and then click the 'Super Choice Form' to download your pre-populated form. 
  3. Sign the form and hand or email it to your employer. That's it!

Another option is to complete the ATO’s Superannuation standard choice form. A pre-filled online form can be accessed through the ATO online services via myGov.

Your ANZ Smart Choice Super fund and account details will be displayed in the form if you choose to nominate this super fund to your employer to pay contributions to.

Absolutely! Once you’ve met a conditions of release for your super, ANZ Smart Choice Pension converts your accumulated super into a regular income stream that pays you on a monthly, quarterly, half-yearly or yearly basis. In addition to regular payments, you also have the option to make a one-off pension withdrawal at any time. 

 Take control of your super in three easy steps.

Let’s get started and review what’s involved in applying for an ANZ Smart Choice Super account, and help you decide if it’s right for you.

 

1. Assess your suitability

ANZ Smart Choice Super is suitable for Australians who want a super account they can take from job to job! And when you’re ready to retire, you can receive a regular pension payment with a transfer to ANZ Smart Choice Pension.

With ANZ Smart Choice Super you can either choose the ‘Lifestage’ investment option that automatically adjusts as you get older, or you can ‘Choose Your Own’ investment mix from a range of multi-asset and single-asset investment options. Additionally, you can take out a range of insurance options through ANZ Smart Choice Super, so your loved ones are protected if the unexpected happens.

ANZ Smart Choice Super is not suitable for people who:

  • Have no access to a computer or the internet 
  • Are looking to trade and hold equities (such as shares) directly
  • Need access to their investment capital before retirement
  • Are seeking insurance cover but do not meet the suitability criteria listed in the Insurance Attributes section of the Target Market Determination (PDF)

2. Consider insurance in super

ANZ Smart Choice Super offers a range of insurance options within super including Death, Total and Permanent Disability, and Income Protection, so you can choose the cover that best suits you and your family. Because Insurance fees are deducted from your account, there's no impact on your take home pay.

When you join or apply for cover you must bedisclaimer:

  • Aged 15 or over and under 70 for Death cover
  • Aged 15 or over and under 67 for Total and Permanent Disability (TPD) cover
  • Aged 15 or over and under 65 for Income Protection cover
  • An Australian Resident or Visa holder
  • Residing in Australia
  • Working for 15 hours a week and not on a casual basis, if applying for Income Protection

Insurance is subject to eligibility and exclusions.disclaimer Before moving your super into ANZ Smart Choice Super, consider if you will lose any existing insurance coverage or other benefits held within your other super account/s.

3. Ready to apply?

If you’ve read the PDS (PDF) and are ready to apply for a smart super fund, there’s a few details we’ll ask for when you get started.

These include:

  • Your personal details
  • Your ANZ Customer Registration Number if you're an existing customer (this will fast track you application and provide you with access to your super account in ANZ Internet Banking)
  • Your Investment choice - the 'Lifestage' option or 'Choose Your Own' investment mix (you can also change your investment at any time after account opening)
  • Your Insurance choice - whether to add Lifestage Death cover or notdisclaimer

You can apply in around 5 minutes, and after submitting your application, your new ANZ Smart Choice Super account should be opened within 3 business days! If you need any help our customer service team is here to help.

 

Apply now

Call 13 12 87

Mon-Fri 8:30am to 6:30pm (Sydney/Melbourne time)

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

Open an account online

It takes five minutes to apply online for ANZ Smart Choice Super. 

Apply now

ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited, which is a part of the Insignia Financial group of companies.

Manage my account

Log in to find your super, check your super balance, adjust your investment mix and more.

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Talk to us

If you have any questions our customer service team is here to help.

Call 13 12 87 >

Mon-Fri 8:30am to 6:30pm (Sydney/Melbourne time)

Intl: +61 2 8366 1500   

Use the ANZ App

Apply for an account, find your super and check your super balance in the ANZ App (on iOS only, not available on ANZ Plus).

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Downloads - important documents

Find trustee and fund information, the latest updates about product, insurance or regulatory changes that may impact your ANZ Smart Choice Super account as well as all the important documents and forms you're looking for.

 

Product Disclosure Statement

More

Additional information and updates

More

Other information

Talk to us

 

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)

Important information

“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). OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346 RSE L0000673) (OPC) is the issuer of the ANZ Smart Choice Super suite of products. OPC is the trustee of the Retirement Portfolio Service (ABN 61 808 189 263, RSE R1000986) (RPS) and the ANZ Smart Choice Super suite of products are part of the RPS. You should consider obtaining financial advice before making any decisions based on the information. You should obtain a Product Disclosure Statement (PDS) relating to the relevant financial product and consider it before making any decision about whether to acquire or continue to hold the product. Target Market Determinations (TMDs) where required for relevant products have to be available for consideration by distributors/members. A copy of the PDS and TMD (where relevant) is available via the links above, and upon request by phoning 13 12 87 or by searching for the applicable product at www.anz.com/smartchoicesuper. 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 www.anz.com/smartchoicesuper. OPC is a member of the Insignia Financial group of companies, comprising Insignia Financial 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.

ANZ does not represent or guarantee that access to ANZ Internet Banking or the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

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The investment mix is selected based on the member’s decade of birth.

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You can grow your super through investment performance and regular contributions. Past performance is not indicative of future performance. Your investment is subject to investment risk, including possible repayment delays and loss of income and capital invested.

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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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Cover is subject to eligibility and pre-existing medical conditions. Exclusions apply.

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Cover ceases when the member reaches age 75 for Death insurance, age 67 for TPD insurance and age 65 for Income Protection insurance.

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Other conditions and benefit exclusions may apply as disclosed in the ANZ Smart Choice Super and Pension Additional Information Guide (PDF 1MB).

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When you open an account you can choose to add Lifestage Death cover. At a later stage, you can also choose to add Total and Permanent Disability (TPD) insurance cover. TPD cover can only be held in conjunction with Death cover.

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