Simpler home loans.
What a feeling.
We’ve simplified our home loans and dropped bundled packages.
No more packages. No annual package fee. Same great rates.
Super 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
The flexible and low-costdisclaimerway to get on top of your super.
- Save with fees in the lowest 25% of all super fundsdisclaimer
- Smart investments and insurance that adjust with your age
- Benefit from competitive returns
ANZ Smart Choice Pension
A regular income stream to help fund your independence when you're retired.
- Save more of your income with fees in the lowest 25% of all super fundsdisclaimer
- Choose how much money you receive and how often
- Manage your pension and ANZ banking together online
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
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, plus your employees’ super fees are in the lowest 25% of all super fundsdisclaimer
- MySuper compliant product meets your super obligations
- Manage your super via ANZ EasyTransact, our free and easy to use online super contributions payment system
- Fast set-up, great service
Has your employer signed you up for an ANZ Smart Choice Super account?
Welcome! Find out why ANZ Smart Choice Super is the flexible and low-cost way to get on top of your super.
Your super is one of your most valuable assets. Most working Australians have a super account.
The Superannuation Guarantee means your employer pays 10 per cent of your salary (FY2021/22) 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.
Other super products (closed to new members)
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.
Start a conversation
Give us a call on 13 12 87, we are ready to chat Monday-Friday 8:30am to 6:30pm (AEST).
“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF 416kB), ANZ Smart Choice Super for employers and their employees (PDF 525kb) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF 441kb). 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 479kB), before deciding whether to acquire or continue to hold this product. View the ANZ Smart Choice Super and Pension Target Market Determination (PDF 252kB). 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 464 kB). 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.
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.
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Fee Analysis: Research conducted by SuperRatings Pty Ltd, holder of Australian Financial Services Licence No. 311880 at the request of OPC. For a copy of the latest SuperRatings research, click here (PDF 146kB) or call 13 12 87.
ReturnOpen 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.
ReturnNote: 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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