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ANZ Smart Choice Super
ANZ Smart Choice Super is a flexible low-cost super fund with smart Lifestage investments and insurance features that automatically adjust with you as you age. Super. Easy.
Low fees and no hidden charges
ANZ Smart Choice Super’s low feesdisclaimer won’t erode your super balance like some funds can. Check out how low our fees are compared to other funds including industry funds.
Competitive performance
In 2018/19, all of our Lifestage investment options outperformed most super funds, according to a competitor comparison done by SuperRatings. Find out how ANZ Smart Choice Super has performed.
Smart investments that adjust with your age
Our investment experts select a mix of investments which adjust based on your age – so the hard work is already done.
Watch your super grow
Stay in control of your super and watch it grow alongside your other ANZ bank accounts through ANZ Internet Banking or the ANZ App.
Insurance cover to suit
You can have peace of mind with a range of insurance options to have you covered if the ‘unexpected’ happens. What cover will I get?
You can also rest assured that we have committed to adopting the Insurance in Superannuation Voluntary Code of Practice.
Find your super in a few clicks
Find all your other super account(s) - including any you've lost along the way and, if you want to, we’ll help bring them all together in just a few clicks.
Smart investments
Your super automatically prepares 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 – so the hard work’s already been done.
If you want a more active role in your investment decisions, you can choose your own investment mix. And then compare or change your investments at any time through ANZ Internet Banking.
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.
A full suite of products
ANZ Smart Choice Super has been designed to meet the retirement savings needs of members at different stages in life and across different channels. The three main offers in the suite and their small differences are included in the table below.
Besides these differences, all members enjoy the same benefits to help them get on top of their super.
For more details, see the relevant important documents below.
Who opens your account? |
MySuper product |
What are my investment options? |
What are my insurance options? |
|
|---|---|---|---|---|
ANZ Smart Choice Super and Pension |
You |
No |
|
Death cover and Total and Permanent Disability cover
Income Protection |
ANZ Smart Choice Super for employers and their employees |
Your current (or past) employer |
Yes |
|
Death cover and Total and Permanent Disability cover
Income Protection |
ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees |
QBE Management Services Pty Ltd or an associated employer |
Yes |
|
Tailored insurance cover |
Trustee and Fund information
ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited.
Product dashboards
Compare ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super – QBE with other MySuper products.
Award winning ANZ Smart Choice Super
ANZ Smart Choice Super and Pension
- Money Magazine – Best Value Super Fund for Young People 2020
- Selecting Super –Best Super fund for young members 2019
- SuperRatings – Gold rating MyChoice Super 2020 & Gold rating Pension 2020
ANZ Smart Choice Super for employers and their employees
- SuperRatings – Gold rating MySuper 2020disclaimer
Your super is your independence. Get on top of it today.
Open an account online
It takes five minutes to apply online for ANZ Smart Choice Super.
Manage my account
Log in to find your super, check your super balance, adjust your investment mix and more.
Talk to us
If you have any questions our customer service team is here to help.
Mon-Fri 8:30am to 6:30pm (AEST)
Use the ANZ App
Open an account, find your super and check your super balance in the ANZ App (on iOS only).
Product information and forms
Product updates
Read the latest updates about product, insurance or regulatory changes that may impact your ANZ Smart Choice Super account.
Downloads - important documents
Talk to us
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.
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 www.superratings.com.au 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 anz.com 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.
Back to topThe amount of cover you can apply for depends on your age and gross annual income at the time you apply for cover. To determine whether to accept your application for cover, we may ask you some health, occupation and lifestyle questions. The number of questions we ask you may vary depending on the level of cover you select.
Back to topFor more information, visit moneymag.com.au, selectingsuper.com.au and superratings.com.au SuperRatings does not issue, sell, guarantee or underwrite this product. Learn more about SuperRatings' criteria.
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