BT Super for Life.

You can conveniently manage your super online alongside your everyday banking and access a range of investment options that evolve with you throughout your life.

Apply now Or call 132 135
BT Super for Life

Side by side banking

Imagine if managing super was as easy as online banking... with BT Super for Life, it is. When you log in to your online banking, you can check your super balance, transfer funds from your bank account to your super, and change your investment options. You'll never lose track of your super and you don't have to wait until your annual statement arrives to see how it's performing. Managing finances just became a whole lot easier.

If you're with St. George, BankSA or Bank of Melbourne, click to watch these videos to find out how you can easily access your BT Super for Life account through your online banking.

St.George video   BankSA video   Bank of Melbourne video

Intelligent investment

You can choose how your super is invested. Option 1: we can invest your super based on your age and automatically adjust it to a more conservative asset mix as you get older. Option 2: you can choose your own investment mix.

Super is invested based on ageLet us invest your super based on your age

We'll do the hard work and invest your super based on your age in a Lifestage Fund. A Lifestage Fund is a well-diversified portfolio of assets designed and managed according to your age. Over time the fund will gradually shift to a more conservative asset mix. It generally does this by decreasing its allocation to growth assets and increasing its allocation to conservative assets.

View factsheets

Choice of investment mixChoose your own investment mix

Apply now

If you prefer to choose your own investment mix you can select from a range of investment options: Growth, Moderate, Conservative and Super Cash.

Investment mix

Low-cost fees

You don't pay commissions, establishment, contribution, withdrawal, termination or investment switching fees.

Administration fee
  • $5 per month ($60 pa)
  • Plus 0.45% pa of your account balance for all other investment options
    (this is Nil for the Super Cash option)
Investment fee
  • 0.50% pa of account balance for all other investment options
    (this is Nil for the Super Cash option)
Indirect cost ratio - Stronger Super expense recover and superannuation levy
  • Up to 0.10% pa 1
1. This amount hasn't been determined for the financial year before this information was issued. It has been included as an estimate of what the indirect cost ratio may be for the 2013/2014 financial year. Additional fees and costs may apply. Please refer to the 'Fees and Cost' section of the BT Super for Life Additional Information Booklet.

To make sure you know how your super is performing, check out the latest factsheet for your investment option. You'll see how the fund is invested, how it's performed, a summary of what's happened in the markets and its impact on your investment.

Super fees

Have you lost $3,000?


That's the average balance of a lost or ATO-held super account in Australia.*

If you've changed jobs, done casual or part-time work, moved house or changed your name, then you could be one of the many Australians who have some lost or ATO-held super waiting to be found.

How can BT help you find lost Super?

  1. You open.

    Apply online with one simple form and a couple of clicks, and we can have you up and running in just a few minutes.

  2. We find.

    As soon as you've opened your account, we'll get to work on finding any super accounts you may have lost track of along the way. You don't have to lift a finger, just give us your TFN and consent and our BT super specialists will get to work.

  3. We help combine.

    After we've tracked down your super, we can help move it all into your Super for Life account. We'll start the paperwork for you. All you need to do is sign and send it back to us. We'll take care of the rest. Too easy.

Apply now

Combining your super made easy

Getting on top of your super can seem like a big job but it doesn't have to be that way. BT Super for Life will change the way you think about super because it's designed with you in mind.


With our Easy Rollover Tool you can combine your super in just a few steps. There's no need for printing, verifying or running around after your other funds. All you need is your BT Super for Life account number, along with the details of your other funds, and we'll take care of the rest.


 

The super account you can take with you from job-to-job

Like most Australians, you probably won't have the same job for life. You're likely to progress through different jobs, opening new super accounts and paying separate fees along the way. So why not have just one super account that you can take with you wherever you go?

A simple way to make sure your super keeps up with you is to ask your employer to make your compulsory Superannuation Guarantee (SG) contributions directly into a BT Super for Life account.

How to make an employer contribution to BT Super for Life.

Take super with you

BT Super for Life. Change the way you look at super.

Apply now

Exclusive offers with Benefits Now


As a BT Super for Life member you can treat yourself with exclusive offers and deals through the Benefits Now program, Half price cinema tickets, discounted holidays and offers across a range of financial products are just some of the many benefits you can enjoy.



Super & insurance

Super & life insurance

Life insurance is another of the benefits you receive with your super account. You have cover in the event of both Death and Total & Permanent Disability, subject to a pre-existing medical condition exclusion.

Your cover starts once you have money in your BT Super for Life account, as your premium payment comes straight from your account balance. This means it doesn't affect your take-home pay, and may potentially provide you with a tax advantage.

  • Premiums are paid directly from your super
  • Auto acceptance with no medical checks.
  • Option to double or triple cover within 90 days.
Apply now

Know how your super account is performing

To make sure you know how your super is performing, why not check out the latest factsheet for your investment option. You'll see how the fund is invested and how it's performed, as well as a summary of what's happened in the markets and its impact on your investment.