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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

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.


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Open an account today

13 12 87

Mon-Fri 8am to 7pm (AEST) 

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As a valued customer we want to hear from you if any of our products and services have not met your expectations.

If you would like to compliment one of our staff or make a suggestion on how we can improve, we want to know. If we made a mistake, or our service does not meet your expectations, we also want to know.

Talk to us

We're committed to ensuring our products and services meet your expectations and we value your feedback regarding how we are performing.

Our customer care unit is your first point of contact for raising complaints or providing feedback. You can contact us directly via phone, email or in writing and we will endeavour to resolve your concerns quickly and fairly. We will aim to resolve your complaint within 15 business days.

Call us:

Email us:

Write to us:

GPO Box 5306

External dispute resolution

If your concerns have not been resolved to your satisfaction, you can lodge a complaint with AFCA who provides fair and independent financial services complaint resolution that is free to consumers.

Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires. The AFCA contact details are:



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

Email your complaint to:

Write to:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001

Online at:

Escalating your complaint

If you're not satisfied with the resolution offered by our customer care unit, you can have your complaint reviewed by a Dispute Resolution Specialist.

A final decision will be provided within 15 business days of your complaint being escalated, unless they have requested and you have agreed to give them more time.

OnePath Custodians Pty Limited (ABN 12 008 508 496 AFSL 238346 RSE L0000673), a wholly owned but non-guaranteed subsidiary of Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (ANZ), 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). You should consider the ANZ Financial Services Guide (PDF 479kB), relevant PDS, Additional Information Guide 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 exit 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

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 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, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark 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, and is current as at 30 June 2018. For a copy of the SuperRatings research click here (PDF 452kB) or call 13 12 87.

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