Full tutorial: Navigating your BT Super account

Your BT Super account online portal is designed to help make managing your super as easy as possible.

Transcript

Welcome to your BT Super account online portal, designed to help make managing your super as easy as possible.

Your BT Super online lets you view and update your personal details, monitor your balance, make transactions, access statements, transfer money into your account, change your investments, review your insurance, and much more.

You can access your super online at any time of the day, to help you keep on top of your super.

Let’s take a quick tour.

1. How do I log in?

You can access your super online – and importantly, take action – any time, from anywhere.

There’s the convenience of logging in at bt.com.au/btsuperportal or on the Panorama App, using your username and password.

If you’ve forgotten your username, don’t worry. You can retrieve this, click on “forgotten username” and you’ll be taken to a page with some personal questions.

Once you’ve completed the details, click the acknowledgement box and then “next”. You’ll be asked another security question, then you’ll receive an SMS code on your mobile which you can use to recover your username.

If you don’t remember your password, click on “forgotten password” and you can follow the instructions from there.

Finally, when you log in for the first time, you’ll need to input your mobile number, and we’ll send you a code that you need to put in. 

This adds an extra level of security, making BT Super online quick, easy and safe.

2. How do I navigate my account online?

Once you’ve logged into your account, you can see a full overview of your super. You first land on the Dashboard and from there you can view your balance, and see how your investments are performing, your contribution details, and your personal details. 

When you scroll down, you’ll see where your money is invested, how it’s invested, and your insurance details if you have any. 

On the right-hand side, you can also see the beneficiaries you’ve nominated to receive your super and insurance benefits should anything happen to you, if you’ve provided a nomination.

And on the left-hand side, you’ll see a menu of items to select to take any action on your account.

3. How do I see my account transactions?

Once you’ve logged in, on the left-hand side you’ll see a menu of options.

When you click on “Activity”  you’ll be taken to a page that displays all the money that’s come in for the current financial year, including any rollovers from other funds and whether they were concessional (that is before-tax) or non-concessional (that is after-tax) contributions.

You’ll see the money that’s been taken out for the current financial year and what makes up the total. It could include fees, insurance premiums, and tax paid.

If you click on “Transactions” from the menu, you can see any transactions in your account for the date range you select.

To see your account activity for prior financial years, click on Document library in the menu. There you’ll find any previous statements for your BT Super account.

4. How do I get super from other funds into my account?

Having all your super in one place can help you keep track of your investments and fees.

If you think you might have super somewhere else and you want to consolidate your super, click on “Find my super” from the left-hand menu once you’ve logged in.

To get instructions on how to roll over your super, click on the “detailed instructions” which will take you to the ATO website.

If you’d like our help, click on “our rollover form”, take a read of the instructions, and fill in the details down the bottom of the online form.

Once you’ve pressed “submit” we can take care of the consolidation of your super for you.

Just be sure you check what insurances you may have with any other super funds before you consolidate so you know how any cover or fees may be impacted.

5. How do I contribute money to my super?

Paying money into your super now could make a big impact later in retirement. 

Once you’ve logged into your BT Super account online, you’ll find the details you need to add money to your super.

Concessional contributions

If you want to make sure your Superannuation Guarantee payments or award contributions from your employer are being made into your account, click on “Changing jobs”.

Here you can ask BT to set up your employer payments by selecting “Do it for me”, completing the details, and we’ll email your employer with your request.

If you prefer to arrange these payments yourself, select “Do it myself” and choose whether you want a pre-populated email template to send to your employer, or a form with your BT Super account details for you to print, sign and hand to your employer.

Be sure to confirm your email address, and press “submit”.

Non-concessional contributions

If you want to make any after-tax contributions to super, select “Account details” from the left-hand menu.

Here, you’ll see your BT Super’s BSB and account number if you want to make a direct debit, or if you scroll down, you’ll see two BPay biller codes – one for personal contributions, and another if your spouse makes any contributions into your account.

For Westpac, St.George, Bank of Melbourne, and BankSA customers your BT Super details will be in your list of accounts in your online banking, and you can make a transfer that way, but remember the transfer is only one way.

For any contributions you choose to make, be sure to understand your contribution limits.

6. How do I see or change my investment options?

Your BT super account online allows you to take action with just a few clicks.

You can leave the investing to us by staying in the default lifestage investment option or choose your own investment mix. This includes options from our simple investment menu: growth, balanced, and a defensive investment option. Alternatively, choose from our full investment menu.

It’s important to consider whether your investment choice is suitable to help you reach your retirement goals. 

To see how your super is invested, select "Your Investments". Here you’ll see what your investment options are, and what percentage of your super is invested in these options. You can also download your fund profile.

To change your investment options, either scroll down on the same page, select "Change investment strategy". Or, you can click "Change investments" from the left-hand menu.

For help on how to change investments, you can also click on 'Show me how to change investments'.

To change your investment option, click on "Add new investment option". Here, you can select from your default Lifestage option, our simple investment menu or our full investment menu. To find out more about these investment options, you can download the fund profile.

Once you’ve selected your choices, click "Add".

You’ll be asked what percentage you’d like to invest in the respective investment options. In order to proceed you’ll need to make sure the total is 100% even if you want to invest in just one investment option.

Once you’ve done this, decide where you want to apply the changes, either on the current balance and future contributions, or future contributions only. Then click "Continue".

Take a read of what the changes mean to confirm you understand, and then click on the "Confirm" button if you choose to proceed.

And remember, you can change your investment options at any time.

7. How do I check my insurance?

The insurance cover available through your BT Super account could help you and your loved ones if something unexpected happens. 

So, it's important you understand the type and amount of cover you may hold, and how it works.

Once you’ve logged into your account online, you can select “Insurance” from the left-hand menu.

If you have insurance that’s being paid out of your super, you’ll see the cover type, the amount, and the monthly premium that’s being deducted.

You can find more information about the insurance available when you scroll further down.

If you want to increase or apply for insurance, or reduce or cancel your insurance, down the bottom of the page, you’ll find the relevant forms to complete.

If you need to make a claim, you can also find the telephone number to call to speak with a Claims Manager.

8. How do I set up my BT Super online?

Ensuring your account is setup correctly may help youlive well now and into the future. 

You can do this via bt.com.au/btsuperportal or via the Panorama App.

Simply log in with your username and password.

From there, click on your name in the top right-hand corner of the screen.

As an extra level of security, you’ll be prompted to provide your mobile number, and we will send you a code.

Once you’ve input the code, you can check your personal details are up-to-date.

It’s important we have your full name, mailing address and email address not only when you open your super account, but also if you’ve had a change in your life (like an email or address change). 

Without up-to-date contact details, you may miss out on some critical information about your super, so be sure to keep these up to date.

And don’t forget to provide your Tax File Number, or you may end up paying more tax on your super contributions and your super fund won’t be able to accept any personal after-tax contributions.

9. How do I nominate my beneficiaries?

To ensure you can help contribute to your loved ones’ future, it’s a good idea to think about who you’d like to leave your super to, in the case of your death.

This is called nominating a beneficiary. 

Once you’ve logged into your account, select “Manage beneficiaries” from the left-hand menu. On this page you’ll see instructions on who you can nominate.

If you then scroll down, you can input your beneficiaries, and even apply a percentage allocation.

Once you’ve done this, simply press “save”, and your nomination, if valid, will be binding.

It’s a good idea to update your beneficiaries when your personal circumstances change.

10. How do I make the most of my super, today and in the future?

There are many things you can do with your super when you’ve logged into your account, by selecting “Optimise your super” from the left-hand menu. 

Here you’ll find a collection of insights and tools to help support you to reach your retirement goals.

Topics covered include how to plan for your retirement, how you can consolidate or boost your super, details about insurance in super, as well as super reforms.

To take advantage of resources to help support your physical and mental wellbeing, you can sign up to the My Wellbeing portal located on the left-hand menu.

And finally, as a BT Super member, you also have exclusive access to discounts and offers from a range of brands and products. Be sure to select “Benefits Now” from the left-hand menu.

Need more help?

Call 132 135 for BT Super support.

This information is current as at 22 February 2021.

The information is prepared by BT Funds Management Limited ABN 63 002 916 458, AFSL Number 233724, RSE Licence No. L0001090 (BTFM).  BTFM, is the trustee and issuer of interests in BT Super which is a part of Retirement Wrap ABN 39 827 542 991. 

A Product Disclosure Statement (PDS) is available for BT Super and can be obtained by calling 132 135, or visiting bt.com.au. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super.

© Westpac Banking Corporation.