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.
Smart investments
Your super automatically preparing you for retirement - now that’s smart.
Designed to suit no matter where you are in life, your
Alternatively, you can take a more active role in your investment decisions and choose your own investment mix. Change and compare your investments at any time through ANZ Internet Banking.
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.
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.
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
Open an account today
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Product Disclosure Statement
Additional information
- PDS Update - changes to fees and costs - ANZ Smart Choice Super and Pension (PDF 393kB)
- ANZ Smart Choice Member Update August 2018 (PDF 1124kB)
- End of financial year 2018 - documents availability (PDF 162kB)
- End of financial year 2018 – Contribution cut-off times (PDF 194kB)
- Product Update – Update to borrowing costs 2018 (PDF 62kB)
- 2017 ANZ Smart Choice Super and Pension Member Update (PDF 741kB)
- End of financial year 2017 - documents availability (PDF 101kB)
- Product Update – 2016/17 Federal Budget Proposals Now Law (PDF 104kB)
- Product Update - 2017 Annual Australian Prudential Regulation Authority (APRA) Levy (PDF 68kB)
- Product update to disclosure for ANZ Smart Choice Super (PDF 59kB)
- 2016 Standard Risk Measures - ANZ Smart Choice Super and Pension (PDF 43kB)
- Electronic Access Terms and Conditions (PDF 79kB)
- ANZ Financial Services Guide (PDF 479kB)
- Letter of compliance (PDF 33kB)
- 2017 OnePath MasterFund Annual Report (PDF 400kB)
- 2016 OnePath MasterFund Annual Report (PDF 391kB)
- 2016 ANZ Smart Choice Super and Pension Important changes and information (PDF 104kB)
- Federal Budget 2016/17 (PDF 84kB)
- 2014 Annual Australian Prudential Regulation Authority (APRA) Levy (PDF 30kB)
- Product Update - 2015 Annual Australian Prudential Regulation Authority (APRA) Levy (PDF 37kB)
- Performance Benchmark Change (PDF 44kB)
- Standard Risk Measure Fact Sheet (PDF 66kB)
- Important Information - Employer contribution obligations for SuperStream compliance (PDF 37kB)
- UK Pension Transfers to the OnePath MasterFund (PDF 35kB)
- Updates to your Duty of Disclosure (PDF 169kB)
- Early access to superannuation for people with terminal medical condition (PDF 76kB)
- Changes to how your insurance fees are deducted (PDF 74kB)
- 2016 Annual Australian Prudential Regulation Authority (APRA) Levy and Stronger Super Levy (PDF 42kB)
- ANZ Smart Choice Super and Pension diversified funds : review of asset allocation ranges (PDF 80kB)
- OnePath Custodians - Claims Philosophy (PDF 76kB)
- 17 March 2018 Reference Guide for members who joined after 11 November 2013 (PDF 268kB)
- 17 March 2018 Reference Guide for members who joined before 11 November 2013 (PDF 270kB)
- ANZ Insurance in Super Code of Practice (PDF 43kB)
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:
- 13 12 87 on weekdays from 8:30am to 6:30pm (AEST)
- +61 2 9234 8111 for international clients
Email us:
Write to us:
GPO Box 5306
SYDNEY NSW 2001
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:
Call:
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:
www.afca.org.au
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.
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.
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, and is current as at 30 September 2018. For a copy of the SuperRatings research, refer to ANZ Smart Choice Super Fees Analysis (PDF 452kB) or call 13 12 87.
Back to topDeath 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.
Back to topChoose 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 the ANZ Smart Choice Super and Pension Additional Information Guide (PDF 434kB) for further detail.
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