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ANZ Smart Choice Super

Keep your super with your other ANZ accounts.

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Smart super made simple

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

Banking and super in one place

See your super and banking together in ANZ Internet Banking and the ANZ App.

Smart investments

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

One super fund for life

Bring all of your accounts together with ANZ Internet Banking and avoid multiple fees.

Keep track of your super online

It’s so much easier to keep track of things when they’re all in one place. That’s why you can see your super with your other ANZ accounts online, anytime.

View and manage your super easily on your computer with ANZ Internet Banking. 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.

Trustee and Fund information 

ANZ Smart Choice Super and Pension 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 want a more active role, you can choose your own investment mix. And then change and compare your investments at any time through ANZ Internet Banking.

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

Low fees

Some super funds sting you with costly fees. Not ANZ Smart Choice Super.

ANZ Smart Choice Super keeps fees lowdisclaimer by offering a carefully curated set of investment options and empowering you to choose what suits you.

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

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

Bring all your money into one fund

No-one likes paying multiple times for the same thing. So we’ve made it easier than ever to help you bring your super together – including any you might have 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.

Insurance included

If the worst happens, ANZ Smart Choice Super provides automatic Death cover. You also have the option to add Total and Permanent Disability cover.disclaimer No forms, no medical checks and because your insurance fees are deducted from your ANZ Smart Choice Super account, no impact on your take-home pay.disclaimer
What cover will I get?

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

Award-winning super

ANZ Smart Choice Super 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

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


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Learn about the First Home Super Saver Scheme, how you could boost your savings, and how to make contributions with ANZ.


Open an account today

13 12 87

Mon-Fri 8am to 7pm (AEST) 


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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 6:00pm (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). ANZ Smart Choice Super is issued by OnePath Custodians, and 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 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

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 2019 product rating. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria

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.

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. For a copy of the latest SuperRatings research, click here (PDF 452kB) or call 13 12 87.

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Death cover is automatic unless you opt out. Death cover, and Death and TPD cover is subject to eligibility and pre-existing medical conditions exclusions apply.

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Choose Your Own Cover is subject to eligibility and underwriting acceptance by the Insurer. Refer to the ANZ Smart Choice Super and Pension PDS (PDF 113kB) and any material incorporated by reference for further detail.

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