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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.

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Benefits for you 

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)disclaimer - 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.

Three steps to join ANZ Smart Choice Super

1. Apply online in five minutes

Simply open an account online, log into ANZ Internet Banking, or call Customer Services on 13 12 87.

Open an account

2. Tell your employer

Tell your employer to pay your super into your ANZ Smart Choice Super account. Login to your account via ANZ Internet Banking and download a pre-filled form and give it to your employer.

3. Search for super

Login to your account via ANZ Internet Banking to 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.

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



Death cover and Total and Permanent Disability cover 

  • Lifestage or
    Choose your own

Income Protection

What cover will I get?

ANZ Smart Choice Super for employers and their employees

Your current (or past) employer


Death cover and Total and Permanent Disability cover 

  • Lifestage or
    Choose your own

  • Some employers may offer Tailored 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


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.

Learn why super is important

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.


Superannuation makeover for Millennials

Are your savings in need of a makeover? Watch John’s story and then get a copy of our new guide.


Superannuation makeover for Gen X

All the information you need to make small changes now that will lead to the life you really want once you stop working.



Baby Boomers’ superannuation makeover

Are your savings in need of a makeover? Watch Joe’s turnaround story and then get a copy of our new guide.


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.

Open an account

Manage my account

Log in to find your super, check your super balance, 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, 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.

Learn more


Find the form you’re looking for.

Find a form

Downloads - important documents

Talk to us

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

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

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 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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Note: if the ATO‘s SuperMatch service is not available, we will not be able to search for your other super account(s).

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The 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.

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