BT Business Super

Your super balance can make a big difference to your future. BT Business Super is a great way to build on the retirement of your dreams.

Why BT Business Super

BT Business Super allows you to keep growing your superannuation throughout your working life. As a member, you could benefit from reduced administration costs and insurance premiums as well as accessing other benefits you can enjoy today.

Features & benefits

  • Ability to choose from numerous investment options, including BT MySuper Lifestage investment options to suit your individual financial situation, goals and preference for risk

  • Monitor your account at any time with BT Online

  • Access great deals and discounts on everyday items with Benefits Now

  • Potential access to group discounts on fees and insurance premiums through your employer’s plan

  • Take your account with you from job-to-job

  • Flexible insurance options to suit your individual circumstances

Smart investment options

Option 1

BT's MySuper Lifestage investment options are well-suited for members who are happy to let the experts manage their super.

Option 2

Make your own choice about how your superannuation is invested. BT also offers numerous investment options to create a portfolio, well-suited to your financial goals.

Build your superannuation easily

Adding to your BT Business Super account is easy. You can contribute salary sacrifice amounts, spouse contributions, personal after-tax contributions and government co-contributions (if eligible).

BT Business Super offers MySuper options

BT offers actively managed MySuper Lifestage investment options, building on a number of years’ experience in managing Lifestage funds for Australians.

Insurance cover

There are two insurance options – Standard cover or Tailored cover. Insurance cover is provided automatically to eligible member’s on joining without the need for medical or health checks; The cover type provided is generally determined by the member’s employer, (except where the member joins BT Business Super directly). Members have the flexibility to apply to increase the amount of insurance cover they need based on their personal circumstances, and the cost of insurance cover is deducted directly from the member’s super account.

Standard cover

Insurance provided under Standard cover includes Death & Total and Permanent Disablement insurance cover. The amount of insurance cover provided is based on a member’s age, and the cost of insurance cover is based on the member’s age, occupation, gender and any applicable premium loadings.

Tailored cover

Insurance provided under Tailored cover includes a combination of Death, Total and Permanent Disablement, and Salary Continuance Insurance cover (sometimes referred to as Income Protection insurance). The amount of insurance cover provided is based on an insurance design selected by the member’s employer - for example, the amount of cover provided could be linked to a multiple of the member’s salary. The cost of insurance cover is based on the member’s age, occupation, gender and the insurance design selected by their employer.

Benefits Now

Great deals and exclusive offers include:

  • Travel

  • Accommodation

  • Clothing

  • Travel and health insurance

  • Leisure and adventure experiences

Spouse accounts

Your spouse can also join BT Business Super and enjoy all its features and benefits by completing a spouse application form.


For more information in relation to RSE:

  • Executive officers and executive & trustee remuneration

  • Nomination, appointment and removal of trustees/directors

  • Directors & executives relevant interest and duties register

  • RSE board meeting attendance

  • RSE conflicts management policy

  • Proxy voting policies

  • Summary of how voting rights have been exercised

  • Name and ABN of all outsource service providers

Documents and downloads

Fund codes

BT Business Super - Westpac Master
Trust Superannuation Division

RSE R1003970
ABN 81 236 903 448

Westpac Securities Administration Limited

ABN 77 000 049 472
AFSL 233731
RSE L0001083


To learn more about BT Business Super, contact us to speak to a BT adviser

Westpac Securities Administration Limited ABN 77 000 049 472, AFSL No. 233731, RSE No. L0001083 is the trustee of BT Business Super - Westpac Master Trust Superannuation Division (BT Business Super) ABN 81 236 903 448, RSE R1003970 and is the issuer of interests in BT Business Super. A Product Disclosure Statement (PDS) and other relevant disclosure documents (together, PDS) are available for BT Business Super and can be obtained by calling 132 135 or from the Product Disclosure Statement page. You should obtain and consider the PDS and FSG before deciding whether to acquire, continue to hold or dispose of interests in BT Business Super.

Superannuation is a long-term investment. The government has placed restrictions on when you can access your preserved benefits. The Government has set caps on the amount of money you can add to superannuation each year on a concessionally taxed basis. In addition, the government has set a non-concessional contributions cap. For more detail, speak with a financial adviser or visit the ATO website. Before requesting the rollover, you should also check with your other fund(s) to see if there are any exit fees for moving your benefit, or other loss of benefits (e. g. insurance cover). There may be limited circumstances where your employer is not required to accept your Choice of Superannuation fund form eg. if you have already exercised Super Choice in the last 12 months.

The information shown does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. Any taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.

An investment in BT Business Super is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. None of the Bank, any other company in the Westpac Group or any appointed investment manager stands behind or otherwise guarantees the capital value or investment performance of BT Business Super.