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Super through your employer

Understand your super, offered through your workplace.

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ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited, which is a part of the Insignia Financial Group.


2023 performance test results: Find out which investment options have not passed the test in the 2022/23 financial year. See results.

A smart, easy and convenient choice

ANZ Smart Choice Super for employers and their employees (ANZ Smart Choice Super) is built around changing lives and needs, with special features that adjust automatically as you age.

Lifestage investments

Designed to adjust based on your age.disclaimer

Insurance cover

Opt-in to insurance cover and have peace of mind if the unexpected happens.

Manage my account

View and manage your super easily with ANZ Smart Choice Super online access.

Trustee and Fund information 

ANZ Smart Choice Super for employers and their employees is provided by OnePath Custodians Pty Limited.

Learn more

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.

If you prefer to take a more active role in your investment decisions, you can choose your own from over 45 options and invest in as many as you like.

To get started review ANZ Smart Choice Super performance. Then 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.

View the underlying assets for our managed funds.

Product dashboards

Compare ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees with other MySuper products.

Smart insurance

Enjoy peace of mind knowing that if the unexpected happens, your family is protected. ANZ Smart Choice Super’s default Death and Total and Permanent Disability (TPD) standard cover is based on your age, with cover increasing when you’re likely to have greater commitments.disclaimer Because insurance fees are deducted from your account, there's no impact on your take-home pay.

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

Some employers offer tailored insurance arrangements for their plans.
Call 13 12 87 for details.

Bring all your money into the one fund

No-one likes paying multiple times for the same thing. So ANZ Smart Choice Super helps you bring your super together – including any you’ve lost along the way.

Login into your ANZ Smart Choice Super account via online access to find all your other super account(s) disclaimerand, if you want to, we'll help our bring them together in just a few clicks.disclaimer


Keep track of your super online

Instead of rummaging through that drawer to find your statements, ANZ Smart Choice Super makes super management simple and convenient.

View and manage your super easily on your computer with ANZ Smart Choice Super online access. Access your super statements, find lost super, check your balance and transactions, review and adjust your investment mix, add and update your beneficiaries and insurance, and more. 

If you're an ANZ bank customer, you can also check on your super with ANZ Internet Banking, or on your smartphone or tablet with the ANZ App (not available on ANZ Plus). Feature only available on iOS devices. 

Learn more about superannuation

Accessing your super: when and how to do it

Take your super as an income stream, a lump sum, or a combination of both. Find out which option's best for you.

Eight ways to boost your superannuation

Need to boost your super? Learn how to consolidate accounts, find lost super, make extra contributions, and more.


Super vs. mortgage. Which is the better investment?

When it comes to choosing where to put your savings it’s all about getting the right mix.



Tips for managing your super throughout your life

Actively managing your super throughout your life is key to a comfortable retirement. Here are some of the most common considerations.


Your super. Your independence.

13 12 87

Mon-Fri 8:30am to 6:30pm (Sydney/Melbourne time)

Intl: +61 2 8366 1500 

Performance and updates

Super performance

Information on how ANZ Smart Choice Super is performing.

Learn more

Important information

Stay informed of important changes that may impact your ANZ Smart Choice Super account.

Learn more

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

Insurance information and updates


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. If you have a complaint about ANZ Smart Choice Super and/or Pension (or wish to obtain further information about the status of an existing complaint), please:

Call us on:

13 12 87 weekdays from 8:30am to 6:30pm (Sydney/Melbourne time)

+61 2 9234 6112 for international clients


Email us at:

Lodge an online compliment, suggestion or complaint

Write to:

GPO Box 5306
Sydney NSW 2001

Where possible, concerns will be resolved straight away. 

Where this is not possible or further investigation is required to resolve your complaint, our ClientFirst team will acknowledge your complaint within one business day and will consider and respond to your complaint as quickly as possible. At any stage you're welcome to contact your assigned Case Manager for an update on the progress of your complaint.

Your complaint will be reviewed in line with our principles: 

  • Be human - we treat those around us the way we’d like to be treated – openly, honestly and respectfully. 
  • Deliver what matters - we make sure we understand what matters to every client and we make it happen. 
  • Stronger together - only by working together can we truly serve our clients.
  • Keep it simple - we remove complexity.
  • Do what’s right, not what’s easy - we back ourselves to make the right call. We speak up.

If you are not satisfied with the resolution offered, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA.

Australian Financial Complaints Authority (AFCA)

AFCA offers fair and independent complaint resolution service that is free to consumers.




1800 931 678 (free call) - on weekdays (except on public holidays) from 9am to 5pm (Sydney/Melbourne time).

In writing to:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001

There are some time limits for lodging certain complaints. This includes complaints about the payment of a death benefit, which you must lodge with AFCA within 28 days of being given our written decision.

IOOF Group Complaints Policy documents

IOOF Group Complaints Policy (PDF) 

IOOF Group Complaints Policy – Arabic (PDF)

IOOF Group Complaints Policy - Greek (PDF)

IOOF Group Complaints Policy – Italian (PDF)

IOOF Group Complaints Policy - Simplified Chinese (PDF)

IOOF Group Complaints Policy - Traditional Chinese (PDF)

IOOF Group Complaints Policy - Vietnamese (PDF)

IOOF Complaint Acknowledgment Flyer (PDF)


“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF)ANZ Smart Choice Super for employers and their employees (PDF) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF). OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346 RSE L0000673) (OPC) is the issuer of the ANZ Smart Choice Super suite of products. OPC is the trustee of the Retirement Portfolio Service (ABN 61 808 189 263, RSE R1000986) (RPS) and the ANZ Smart Choice Super suite of products are part of the RPS. You should consider obtaining financial advice before making any decisions based on the information. You should obtain a Product Disclosure Statement (PDS) relating to the relevant financial product and consider it before making any decision about whether to acquire or continue to hold the product. Target Market Determinations (TMDs) where required for relevant products have to be available for consideration by distributors/members. A copy of the PDS and TMD (where relevant) is available via the links above, and upon request by phoning 13 12 87 or by searching for the applicable product at The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522).  We recommend that you read the ANZ Financial Services Guide (PDF), before deciding whether to acquire or continue to hold this product. View the ANZ Smart Choice Super and Pension Target Market Determination (PDF). ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees are MySuper compliant products issued pursuant to the latest PDS available at OPC is a member of the Insignia Financial group of companies, comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). The Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial group of companies (including OPC) are not related bodies corporate. ANZ does not stand behind or guarantee these products.

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. 

All fees are subject to change. Other key features are relevant when choosing a super fund, including performance. Past performance is not indicative of future performance.

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.

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 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 here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.

The investment mix is selected based on the member’s decade of birth.


Under the Putting Members' Interests First (PMIF) legislation, unless covered by an exception, default insurance cover cannot be automatically provided if you are under 25 years old or with an account balance less than $6,000. If you are eligible for insurance cover, you can obtain cover by providing an opt-in election before reaching both the age and balance thresholds. If no opt-in election is provided, subject to eligibility, insurance cover is automatically provided on the later of: the date of your 25th birthday, or the date your account balance is $6,000.


Choose Your Own Cover is subject to eligibility and underwriting acceptance by the Insurer. Refer to the PDS (PDF 594kb) and relevant Insurance Guide for further detail.


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


What to consider before you consolidate your super: Firstly, is ANZ Smart Choice Super right for you? We are not providing you with any advice to transfer your super to ANZ Smart Choice Super. Before you transfer, think if there are any adverse consequences for you, including 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. Check your annual statements or other documents from your existing super funds. If you need help, you should seek financial advice.