Already have an SMSF - Open a BT Panorama Investments account
At the heart of our SMSF solution is your BT Panorama Investments account, complete with an integrated BT Cash Management Account (CMA). Open up your SMSF investment opportunities with access to thousands of investments on one platform.
Need to set up a SMSF?
To apply for a BT Panorama Investments account for an SMSF you will need to have already established an SMSF.
BT has partnered with Heffron to assist you with establishing an SMSF. Find out more.
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Invest in Australian shares, Exchange Traded Funds (ETFs), term deposits and more to build your own portfolio. You can also choose from a wide range of professionally managed funds or portfolios.
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Make eligible contributions or rollover benefits from another complying super fund to your integrated BT CMA.
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Buy and sell investments online, without the paperwork.
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Track your SMSF portfolio and performance with a simple online dashboard.
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Get market updates related to your listed securities, the latest company information and fund fact sheets.
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Save time at end of financial year (EOFY) with an online document library, contributions and pensions tracking and optional accountant access.
Images and examples are for illustrative purposes only
Account-based fees
Start by selecting an investment menu. Each menu type has a fixed dollar fee, applies regardless of the account balance or the investments you held:
| Menu type | Fee rate (charged monthly) |
|---|---|
| Focus | $60 p.a. |
| Compact | $240 p.a. |
| Full | $540 p.a. or $400 p.a. for an account grouped with other eligible Panorama accounts.** |
For more information on the investments available for each menu type, refer to BT Panorama Investments account.
PLUS
Asset-based fee
In addition to the account-based fee, a percentage fee on your total average daily account balance or the aggregate balance of grouped accounts (excluding cash held in your transaction account) applies:
| Investment balance | Fee rate (single account) | Fee rate (for grouped accounts with Full and Compact menus)** |
|---|---|---|
| $0 to $500,000 | 0.15% p.a. | 0.15% p.a. |
| Over $500,000 to $1,000,000 | 0.15% p.a. | 0.10% p.a. |
| Over $1,000,000 to $2,500,000 | Nil | 0.03% p.a. |
| Over $2,500,000 | Nil | Nil |
Information current as at 1 October 2025
* Other fees, costs and charges apply. Please refer to the ‘Fees and other costs’ section of the BT Panorama Investments Investor Guide for more information.
** For more information on grouped accounts, refer to 'Benefit from multiple accounts in a related group' in the 'Additional explanation of fees and costs' section of the BT Panorama Investments Investor Guide.
Documents and downloads
To apply for a BT Panorama Investments account for your SMSF you will need to have already set up your SMSF.
You may obtain SMSF establishment services from third-party providers to help you set up an SMSF.
BT has partnered with Heffron to assist you with this process.
For information on Heffron’s SMSF establishment and administration services, you can visit Heffron’s website.
Other SMSF establishment providers are available. BT does not recommend or endorse any SMSF establishment or administration service provider. Before proceeding to establish an SMSF, you should read the provider’s disclosures and seek independent advice about whether an SMSF is appropriate for your objectives, financial situation and needs. For further information on setting up an SMSF visit Setting up an SMSF on the ATO website.
Additional information
^BT Panorama was awarded the ‘Best Client Portal & Mobile Platform’ in the 2025 Investment Trends Platform Competitive Analysis and Benchmarking Report.
BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) is the operator of Panorama Investments. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Cash Management Account (BT CMA) (together, the Panorama products).
This information does not take account of your individual objectives, financial situation and needs. A Product Disclosure Statement or other disclosure document (PDS) for the Panorama products can be obtained by contacting BT on 1300 881 716 or by visiting www.bt.com.au. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of the Panorama products.
BTPS and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities or the BT CMA through the Panorama products, the Panorama products are not a deposit with, investment in, or any other liability of Westpac or any other company in the Westpac Group. These investments are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of the Panorama products.
For the Target Market Determination for these products please refer to www.bt.com.au/tmd.
Awards are opinions only, are not recommendations and are only one factor to be taken into account when deciding to acquire, dispose or hold interests in BT Panorama. Awards and ratings are current at the time of publication but are subject to change.