skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

ANZ Smart Choice Super

ANZ Smart Choice Super is super that's easy to take care of, with savvy investments. It's smart super that leaves you feeling like a boss.

 


Sign in for members

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

 

Has your employer signed you up for an ANZ Smart Choice Super account? Welcome! Learn more about your ANZ Smart Choice Super for employers and their employees account.

Read the PDS (PDF) and consider if it's right for you. Apply in around 5 minutes.

Features and benefits for you

Smart investments that adjust with your age

Our investment experts select a mix of investments which adjust based on your agedisclaimer– so the hard work is already done. Find out how ANZ Smart Choice Super has performed.

Watch your super grow

Stay in control of your super and watch it growdisclaimeralongside your ANZ bank accounts through ANZ Internet Banking or the ANZ App (not available on ANZ Plus).

 

Insurance cover to suit

You can have peace of mind with a range of insurance options to have you covered if the ‘unexpected’ happens.

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 you bring them all together in just a few clicks.disclaimer

Superannuation FAQs

Superannuation, or 'super' is one of your most valuable assets. Most working Australians have a super account. Super is money that is put aside and saved in a fund in preparation for retirement. It is part of the Australian pension system designed to give you a regular income throughout your retirement once you stop earning a wage.

The Superannuation Guarantee means your employer pays 11 per cent of your salary (FY2023/24) into your super account throughout your working life. There are also tax incentives for contributing extra via salary sacrifice or personal contributions. Having a good super account which doesn’t charge high fees, helps you make the most of the money you’ve worked so hard for.

Want to reach your financial potential in retirement?

Let's start by understanding the ins and outs of your super, what you're entitled to and what you can do now to grow your super. 

The term 'superannuation' might be an unfamiliar one, as Australia is the only country that uses it. In other countries, it's usually known as 'pension'.

Superannuation is managed by a superannuation fund, which is an organisation that can hold, manage and invest your super until you can access it.

Your superannuation is steadily topped up through regular contributions to that fund. The money in your super is then used by your super fund to invest in things like property or shares. The idea behind this is to provide returns on the money sitting in your super account, with the goal of growing your balance over time to help fund your retirement.

Generally speaking, super can be accessed upon retirement (if you are, or become a permanent resident a permanent resident of Australia) or when you leave Australia (if you're on a Working Holiday visa, Student visa or another temporary visa). 

For more on understanding super, you can head to our superannuation learning centre. You can also read our guide to technical super terms.

At some point in our lives we'll all retire. And, we hope that we can retire with enough money to enjoy all the things that we couldn't actively pursue during our working years.

The ASFA Retirement Standard provides a picture of how a modest lifestyle compares to a comfortable lifestyle and how much you're likely to spend to maintain each of these two standards of living.

A comfortable lifestyle includes extra items that are considered to be 'comforts', such as updating the kitchen or bathroom, having private health insurance at the top rate and enjoying an occasional holiday.

ANZ Smart Choice Super members can access the ANZ retirement calculator by logging in to your Smart Choice Super account via ANZ Internet Banking. For those without access to their account online, call us on 13 12 87 and we can help. Alternatively, you can use MoneySmart's retirement planner

Using an online calculator, you can estimate:

  • your retirement age
  • whether you want a 'modest' or 'comfortable' post-work standard of living
  • what extra super contributions you make via salary sacrifice
  • what level of risk you'll accept in your investment.

How does your super compare?

Most commonly, you can access your super when you have reached any of the following three options:

  • your 'preservation age' and retired (between 55 and 60 depending on the year you were born)
  • your 'preservation age' and choose to begin a transition to retirement income stream while you are still working
  • the age of 65 (even if you're still working)

There are three basic ways you can access your super. You can take it as:

  • a retirement income stream
  • a lump sum
  • a combination of both.

There are pros and cons to each option, depending on your circumstances. The best option for you will depend on your circumstances. Read more about accessing your super: when and how to do it.

For example, a superannuation pension generally suits those who have fully retired and have the flexibility to draw down at least the minimum amounts.

However, if you need a lump sum to pay off your debts, then drawing it out of your super could be an option, especially if you have other assets outside super that you can use to fund your lifestyle.

If you're nearing the time when you'll be able to access your retirement income, start discussing these options with your financial adviser or accountant now, so you can make an informed choice based on a comprehensive understanding of the pros and cons of each.

The Superannuation Guarantee means your employer pays 11 per cent of your salary (FY2023/24) into your super account throughout your working life. There are also tax incentives for contributing extra via salary sacrifice or personal contributions.

From 1 July 2023, the Superannuation Guarantee System requires employers to pay 11 per cent of their employees' gross ordinary earnings into the superannuation fund of their choosing.

You can confirm your eligibility for the Superannuation Guarantee with the ATO's 'Am I entitled to super?' tool and obtain an estimate of what you should be receiving using its 'Estimate my super' calculator, if you suspect your super is not being paid correctly.

Log into your Smart Choice Super account and check your employer is paying super.

  1. Log in to your ANZ Smart Choice Super account by either:
    ANZ Internet Banking and selecting your linked superannuation account; or
    - If you don’t hold an ANZ Bank account, you can log into your super account directly via
    www.anz.com/smartchoiceaccess
  2. Click on the 'Manage my account' tab. Then, click on the 'Make extra contributions' link from the left-hand side of the screen to access BPAY Details.

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 agedisclaimerand 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 and the ability to construct your own portfolio, you can choose your own investment mix from a range of multi-asset and single-asset investment options. You can then compare or change your investments at any time through ANZ Internet Banking or ANZ Smart Choice Super online access.

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.

View the underlying assets for our managed funds.

Let's get started

Take a moment to review ANZ Smart Choice Super to help you decide if it's right for you.
 

Assess your suitability

ANZ Smart Choice Super is suitable for Australians who want a super product that can transfer to pension at retirement. It offers investment choice between a Lifestage option (automatic adjustment of investment mix as you get older) or self-select from a range of multi-asset and single-asset investment options. Additionally, it offers options for insurance in super.

It is not suitable for clients who:

  • Need access to their investment capital before retirement
  • Have no access to a computer or the internet
  • Are looking to trade and hold equities (such as shares) directly.

Insurance in super

ANZ Smart Choice Super offers a range of insurance options within super including Death, Total and Permanent Disability and Income Protection. You can choose your own level of cover or choose the convenience of Lifestage cover based on your age, which automatically increases when you’re likely to have greater commitments and lowers when you’re likely to have less.

When you join or apply for cover you must bedisclaimer:

  • Aged 15 or over and under 70 for Death cover
  • Aged 15 or over and under 67 for Total and Permanent Disability (TPD) cover
  • Aged 15 or over and under 65 for Income Protection cover
  • An Australian Resident or Visa holder
  • Residing in Australia
  • Working for 15 hours a week and not on a casual basis, if applying for Income Protection

Other conditions or benefit exclusions may apply.disclaimer

Before moving your super into ANZ Smart Choice Super, consider if you will lose any existing insurance coverage or other benefits held within your other super account/s.

Apply online in five minutes

Before applying for ANZ Smart Choice Super, we recommend you read the PDS (PDF).

After submitting an application form online, the account should be opened within 3 business days. 

If you need support, call Customer Services on 13 12 87. ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited, which is a part of the Insignia Financial Group.

Apply now

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

Things to do when you become a member

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 or ANZ Smart Choice Super online access and download a pre-filled form and give it to your employer.

Find lost and unclaimed superannuation

Login to your account via ANZ Internet Banking, ANZ App (on iOS only, not available on ANZ Plus), or ANZ Smart Choice Super online access to 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.disclaimer

Product information and forms

Trustee and Fund information

ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited.

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

Forms

Find the form you’re looking for.

Find a form

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

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

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 (Sydney/Melbourne time)

Intl: +61 2 8366 1500   

Use the ANZ App

Open an account, find your super and check your super balance in the ANZ App (on iOS only, not available on ANZ Plus).

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. 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: superfeedback@ioof.com.au

Lodge an online compliment, suggestion or complaint

Write to:

OnePath
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.

Website: www.afca.org.au

Email: info@afca.org.au

Telephone:

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). 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 anz.com/smartchoicesuper. View the ANZ Smart Choice Super for employer and their employees Target Market Determination (PDF). ANZ Smart Choice Super is part of the Retirement Portfolio Service (the Fund) (ABN 61 808 189 263) and is issued by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673) (OPC), the trustee of the Fund. OPC is a member of the Insignia Financial Group of companies, comprising Insignia Financial Ltd (formerly IOOF Holdings 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. 

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 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.

The ANZ App is provided by ANZ. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. 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 U.S. and other countries. App Store is a service mark of Apple Inc. 

Apple Pay and Touch ID are trademarks of Apple Inc.

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.

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.

Return

You can grow your super through investment performance and regular contributions. Past performance is not indicative of future performance. Your investment is subject to investment risk, including possible repayment delays and loss of income and capital invested.

Return

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

Return

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.

Return

Cover ceases when the member reaches age 75 for Death insurance, age 67 for TPD insurance and age 65 for Income Protection insurance.

Return

Other conditions and benefit exclusions may apply as disclosed in the ANZ Smart Choice Super and Pension Additional Information Guide (PDF 1MB).

Return
Top