From simple super accounts to the full control of a self managed super fund, BT has the tools to help you track, invest, and grow your super.

A superannuation account that’s integrated with your online banking and is easy to take from job to job. Simple to join, grow, track.

Designed for:
People who want a simple online super account

Design a superannuation account as individual as you are, with shares, managed funds, ETFs and more – the choice is yours.

Designed for:
People who want a wider range of investments for their super

One place to access a world of investment opportunities and the power to trade, transact and manage your SMSF on one platform.

Designed for:
People who want to take full control of their super

If you have super through your employer or an adviser, view our full list of super products:

Superannuation Voluntary Code of Practice 

BT Financial Group (BT) will fully adopt the Insurance in Superannuation Voluntary Code of Practice (the Code) for superannuation trustees and implement the new standards.

We will publish our transition plan on our website no later than 31 December 2018 and will comply with all of the new standards no later than 1 July 2021.

Learn about superannuation

It's your money and for most people, super is one of the central pieces in preparing for their retirement. Getting to grips with it early will give you greater control and the confidence to make the best financial choices for you.

Here are some simple things you can consider to make sure your super is working harder for you.
Take control of your super today to potentially enjoy a more financially rewarding retirement. By the time you retire, your super could be one of your most valuable assets.

Benefits Now is an exclusive program for BT super members. The program offers members a variety of deals and discounts on everyday things from health, fitness, travel, entertainment and banking products.

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 lost track of some super. And now with SuperCheck you can track down any lost super in seconds.

Contributing more money to your superannuation fund now could make a difference to your balance when you retire.

Find all the help you need online with our super online support panel. Forms, user guides and FAQs all in one place.

The Easy Rollover tool makes it simple for you to roll over other super funds into your BT Super account. 

Download all the documents you need online. Forms, user guides and FAQs all in one place.

We offer a range of simple super solutions that you can consider throughout your working life and during retirement.

We offer three levels of financial advice: general advice, personal advice on specific needs and personal advice that looks at your whole picture.

We'll help you build, grow and protect your money. You'll also find insights from BT experts to help you get started.

BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724, RSE No. L0001090 (BTFM) is the trustee and issuer of interests in BT Super for Life and Panorama Super, which are part of Retirement Wrap ABN 39 827 542 991, RSE R1001327. BT Portfolio Services Ltd ABN 73 095 055 208, AFSL No. 233715 (BTPS) administers Panorama Super. BT Super Invest is part of Panorama Super.

The Product Disclosure Statement (PDS) for BT Super for Life and Financial Services Guide (FSG) for BTFM can be obtained by calling 132 135, or from the Product Disclosure Statement page. The PDS for BT Super Invest and the Panorama FSG can be obtained by calling 1300 881 716, or from the Product Disclosure Statement page. You should obtain and consider the relevant PDS and FSG before deciding whether to acquire, continue to hold or dispose of interests in the relevant product.

BTPS is the provider of the Panorama SMSF Establishment Service and the Panorama SMSF Administration Service. The Guide and Terms and Conditions for these services are available by contacting BTPS.

Superannuation is a long-term investment. Generally, contributions to a superannuation fund are preserved. The government has placed restrictions on when you can access your preserved benefits. In general, benefits will not be able to be paid until a member is age 65, or has permanently retired and is above his/ her preservation age (i.e. 55 years up to 60 years depending on when the member was born). 

The Government has set caps on the amount of money you can add to superannuation each year on a concessionally taxed basis. Contributions that exceed your contributions caps may have additional tax applied to them. The contributions caps change from time to time. Up to date information is available on the ATO website at ato.gov.au

Before requesting a rollover, you should consider where your future employer contributions will be paid (if your employer contributions are currently being paid to another fund) and check with your other fund(s) to determine whether there are any exit or withdrawal fees for moving your benefit, or other loss of benefits (e.g. insurance cover), noting that you may not receive the same type or level of benefits after the rollover. You may not be covered for injuries or illnesses that have arisen since you took out previous insurance, and you may lose loyalty benefits.