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ANZ Smart Choice Pension

A regular income stream to help fund your retirement.

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Let your super work as hard as you have

ANZ Smart Choice Pension is an easy, low-costdisclaimer  way to go about your retirement. Receive a regular pension payment that works for you, while enjoying the simplicity of online management alongside your other ANZ accounts. 

Banking and super in one place

Manage your pension and banking together online.


Low fees

You could save on your pension with low fees.disclaimer

Smart investments

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

Take control of your retirement 

It’s easier to keep an eye on things when they’re all together in the one place.

With ANZ Smart Choice Pension, you can manage both your pension and your everyday banking online in a way that suits you. You can check your balance, transactions and see your investment performance at a glance.

Enjoy easy access via your computer with ANZ Internet Banking and on your smartphone or tablet with the ANZ App.

Trustee and Fund information

ANZ Smart Choice Super and Pension is provided by OnePath Custodians Pty Limited.

Learn more

Low pension fees

After working hard for so many years, it’s time for some good news.

ANZ Smart Choice Pension keeps fees lowdisclaimer by offering a carefully curated set of investment options and by empowering you with tools to manage your account online.

In fact, if your money's in our Cash investment option, ANZ Smart Choice Cash, you can enjoy even more savings, with zero investment fees to pay.

Please refer to the ANZ Smart Choice Super and Pension Product Disclosure Statement (PDF 113kB) to learn more about fees and other costs.

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


You might be retiring but your money isn’t

Even when you’re retired, you still need your money to be working for you.

ANZ Smart Choice Pension gives you carefully selected, low-cost options that offer the flexibility to invest how you want.

Choose your own investment mix or opt for the lifestage investment option, which automatically selects and adjusts your investment mix based on your age.

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 to get started.

Simple supported set-up

After you initially complete an online application form, our concierge service will guide you through the set-up process.

We'll get you started by helping you combine your super accounts into one, make the move to a pension structure and establish an income stream.

Flexible payment options

Choose how much you want to receive, and how often (subject to minimum payments required by law).

Have your pension paid monthly, quarterly, half-yearly or annually to your nominated ANZ bank account. And for extra flexibility, you can also make one-off withdrawals from your account.

Get the most from your pension

Understand how a pension account works to get more from your retirement:

  • Your income is tax-free, if you’re 60 or over
  • Investment earnings are tax-free
  • You must withdraw a minimum amount each year, depending on your age
  • You can generally choose the frequency of your regular income payments
  • You can take out a lump sum at any time and withdraw your full balance whenever you want
  • You may still be eligible for a government age pension, depending on your assets and income

Award-winning pension

ANZ Smart Choice Pension received a Gold rating in SuperRatings’ 2019 product rating.

SuperRatings does not issue, sell, guarantee or underwrite this product. 

Learn more about SuperRatings' criteria

Learn more about superannuation

What do you want your retirement to look like?

Experts argue that instead of going to the numbers when planning for retirement, you should look at the bigger picture.

How big a deal is later life debt?

Many of us rely on super to pay mortgages. Why is this an issue and how can you pay off your mortgage faster?

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.

What's the price of a happy retirement?

How much do you need for retirement? Experts say to aim for up to $1m. Learn how to set goals and a budget.


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

Open an account online

It takes ten minutes to apply online for ANZ Smart Choice Pension.

Open an account

Manage my account

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

Log in

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 (AEST)

Use the ANZ App

Open an account, consolidate and track your super in the ANZ App (on iOS only).

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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 6:30pm (AEST)

+61 2 9234 8111 for international clients


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.

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.

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 and Pension received a Gold rating in SuperRating’s 2020 product rating. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria

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.

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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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.

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