skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Super through your employer

Understand your super, offered through your workplace.

Log in

A smart, easy and convenient choice

ANZ Smart Choice Super for employers and their employees is a flexible, low-cost product that’s built around changing lives and needs. With special features that adjust automatically as you age, it works as your partner on the path to independence.

Low fees

You could save on your super with low fees.disclaimer

Smart investments

Designed to suit, no matter what stage of life you're at.

Smart insurance

Insurance designed to change as you age.

Low fees

The carefully curated set of ANZ Smart Choice Super investment options offer low fee investments.

Please refer to the Product Disclosure Statement (PDS) for ANZ Smart Choice Super for employers and their employees (PDF 122kB) or, if you are an employee of QBE ANZ Smart Choice Super for QBE and their employees (PDF 124kB) to learn more about fees and other costs.

See how ANZ Smart Choice Super fees compare (PDF 65kB)

Trustee and Fund information 

ANZ Smart Choice Super for employers and their employees is provided by OnePath Custodians Pty Limited.

Learn more

Smart investments

Your super automatically preparing 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 age and adjusts them as you get older.

If you prefer to take a more active role in your investment decisions, you can choose your own from over 45 options and invest in as many as you like.

To get started review ANZ Smart Choice Super performance. Then use our investment tool to see which investment may work for you.  Select either 'Invest in your Lifestage option' tab or 'Choose your own investment mix' tab.


Product dashboards 

Compare ANZ Smart Choice Super and ANZ Smart Choice Super – QBE with other MySuper products.

Smart insurance

Enjoy peace of mind knowing that if the unexpected happens, your family is protected. ANZ Smart Choice Super’s default Death and Total and Permanent Disability (TPD) standard cover is based on your age, with cover increasing when you’re likely to have greater commitments.disclaimer No forms, no medical checks and because insurance fees are deducted from your ANZ Smart Choice Super account, no impact on your take-home pay.

Once your account is open, you can also apply for a cover amount of your choice. You can also apply for income protection cover.disclaimer

Some employers offer tailored insurance arrangements for their plans.
Call 13 12 87 for details.

Bring all your money into the one fund

No-one likes paying multiple times for the same thing. So ANZ Smart Choice Super helps you bring your super together – including any you’ve lost along the way.

You can find your other super accounts and bring them all into your ANZ Smart Choice Super account through ANZ Internet Banking.

All you need is an ANZ Smart Choice Super account to get started.

Keep track of your super online

Instead of rummaging through that drawer to find your statements, ANZ Smart Choice Super makes super management simple and convenient.

View and manage your super easily on your computer with ANZ Internet Banking. Access your super statements, find lost super, check your balance and transactions, review and adjust your investment mix, add and update your beneficiaries and insurance, and more. 

You can also check on your super progress on your smartphone or tablet with the ANZ App

Award-winning super

ANZ Smart Choice Super for employers and their employees received a Gold rating in SuperRatings’ 2019 product rating.

SuperRatings doesn't issue, sell, guarantee or underwrite this product. 

Learn more about SuperRatings' criteria

Learn more about superannuation

Super's role in gaining your independence

See our survey results on Australians putting their future independence at risk because they don’t understand super.


Eight ways to boost your superannuation

Need to boost your super? Learn how to consolidate accounts, find lost super, make extra contributions, and more.


The big cost of multiple super accounts

Do you have more than one super account? Consolidate your super and learn how to boost your retirement savings.


Take control of your super online

See our top five tips to maximising your ANZ Smart Choice Super account, from getting the ANZ App to reducing fees.


Your super. Your independence.

13 12 87

Mon-Fri 8.30am to 6.30pm (AEST) 

You may also be interested in

ANZ Smart Choice Super

You could save money with some of Australia’s lowest retail super fees. Open an ANZ Smart Choice Super account.

Learn more


ANZ Smart Choice Pension

You could save money with one of Australia’s lowest pension fees, with an ANZ Smart Choice Pension account.

Learn more


Financial advice

Build your financial future. Get a practical plan so you can start living the life you've always imagined.

Learn more


Performance and updates

Super performance

Information on how ANZ Smart Choice Super and ANZ Smart Choice Pension are performing.

Learn more

Important information

Stay informed of important changes that may impact your ANZ Smart Choice Super account.

Learn more

Additional information


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. 

Talk to us

Our customer service team is your first point of contact for any enquiries, raising concerns or providing feedback. Our contact details are below. We will do our best to resolve your concerns genuinely, promptly, fairly and consistently, and keep you informed of the progress.

If you are not satisfied with the response to your complaint or feedback, your concerns will be escalated to our Complaints Resolution Centre.

Call us:

  • 13 12 87 on weekdays from 8:30am to 6:00pm (AEST)
  • +61 2 9234 8111 for international clients

Online: OnePath feedback, compliment, and complaints form

Email us:

Write to us:

Complaints Resolution Centre
GPO Box 5306

Further help

If you are not satisfied with the resolution offered by our Complaint Resolution Centre, you can have your complaint reviewed free of charge, by:

  • the Australian Financial Complaints Authority, an external dispute resolution scheme.

Australian Financial Complaints Authority (AFCA)

The Australian Financial Complaints Authority (AFCA) offers fair, independent and accessible dispute resolution for consumers who are unable to resolve complaints directly with their financial services provider. In most cases you have two years to submit a complaint to AFCA after you have raised it with us and received a final outcome from us.

1800 931 678 on weekdays (except on public holidays) from 9am to 5pm (AEST)  

Australian Financial Complaints Authority
GPO Box 3,
Melbourne VIC 3001 




OnePath Custodians Pty Limited (OnePath Custodians) (ABN 12 008 508 496, AFSL 238346, RSE L0000673) is the issuer of interests in “ANZ Smart Choice Super”, a suite of products consisting of ANZ Smart Choice Super and Pension (PDF 113kB)ANZ Smart Choice Super for employers and their employees (PDF 122kb) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF 124kb). The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522). ANZ is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). OnePath Custodians is the issuer of this product but is not a Bank. Except as described in the relevant Product Disclosure Statement, the obligations of OnePath Custodians are not deposits or liabilities of ANZ or its related group companies. None of them stands behind or guarantees the issuer or any of the issuer's products. You should consider the ANZ Financial Services Guide (PDF 109kB), relevant PDS, and any material incorporated by reference, and the Electronic Access Terms and Conditions before deciding to acquire, or continue to hold, an interest in ANZ Smart Choice Super. You should also consider whether ANZ Smart Choice Super is appropriate for you.

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

All fees are subject to change. Other key features are relevant when choosing a super fund, including performance.

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.

ANZ Smart Choice Super for employers and their employees received a Gold rating in SuperRating’s 2019 product rating. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria. 

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 the 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 at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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

Fee Analysis: Research conducted by SuperRatings Pty Ltd, holder of Australian Financial Services Licence No. 311880 at the request of ANZ. For a copy of the latest SuperRatings research, click here (PDF 452kB) or call 13 12 87.

Back to top

If you are eligible for Death and TPD cover, it is automatic unless you opt out. Default Death and TPD cover is subject to eligibility and pre-existing medical conditions exclusions may apply.

Back to top

Choose Your Own Cover is subject to eligibility and underwriting acceptance by the Insurer. Refer to the PDS and relevant Insurance Guide for further detail.

Back to top