BT Super for Life

BT Super for Life will change the way you look at your superannuation, conveniently managed online with your everyday banking.

Features & benefits

  • Manage your super online with your everyday banking

  • Search, find and sort your super using SuperCheck

  • Take advantage of account options that vary to reflect your needs when you’re in the workforce, making the transition to retirement or enjoying your retirement

  • Choose how your money is invested or let us manage it for you

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

  • Use SuperCheck if you choose to combine your super, or call one of our super specialists.

BT Super for Life is MySuper compliant.

Super for Life: A Simple Superannuation Fund with Online Banking
BT Super for Life awards with Chant West and Super Ratings

An everyday super account that you can take from job to job.

Designed specifically for working Australians who are nearing retirement and would like to access part of their super while preparing for life after work using a transition to retirement strategy.

An account based pension product for when you’re ready to retire and want to withdraw money from your super to fund your lifestyle.

What do you need to complete the application?

  • Your Tax File Number (TFN)

    We may already have your TFN on file. If not, finding your TFN is easy. You can call the ATO on 132 861 or find it on a recent pay slip

  • A valid email address

I am a customer

Sign in and open an account in 5 minutes

I am a new customer

Side by side with your banking

Managing your super can be as easy as online banking with BT Super for Life. When you log in to your Westpac, St George, BankSA or Bank of Melbourne online banking, you can check your super balance, transfer funds from your bank account to your super, and change your investment options.

It will make it easier to keep track of your super and you don’t have to wait until your annual statement arrives to see how it’s performing.

Flexible investment options

You can choose how your super is invested. We can invest your super based on your age and automatically adjust it to a more conservative asset mix as you get older, or you can choose your own investment mix.

Option 1

Let us invest your super for you

We'll do the hard work and invest your super based on your age in a MySuper 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 by decreasing its allocation to growth assets and increasing its allocation to conservative assets.

Option 2

Choose your own investment mix

If you prefer to choose your own investment mix, you can select from a range of investment options covering specialist, actively managed and index funds, sector-specific and diversified options.

Know how your super is performing

To make sure you know how your super is performing, check out the past performance for your investment options. 

Our fees

We work hard to give your super the best chance to grow. No commissions, withdrawal or contribution fees could mean more money in your super account.

A snapshot of what you pay  for:



Administration fee

$6.50 per month + 0.45% p.a.

Investment fee

Estimated 0.15% to 1.38%1 p.a.

Buy-Sell spread

Estimated 0.00% - 0.60%1 p.a.

Indirect cost ratio

Estimated 0.00% to 1.28%1 p.a.

The above is a summary only of the fees and costs. Other fees and costs may apply depending on investment, insurance and advice decisions. Please refer to the PDS and AIB for further information. 

1  The fees and costs payable depend on the investment option you choose – refer to the Additional Information Booklet for further information. 

We help you find your lost super

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 super waiting to be found.

How can BT help you find lost super?

  • Open an account, if you don’t already have one – simply apply online with a single form and a couple of clicks, and your Super for Life account will be up and running in just a few minutes.

  • Find your super - 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 do the work.

After we’ve tracked down your super, we can help you transfer it into your Super for Life account, if you decide to do so. Once we’ve got the process underway, all you’ll need to do is either 1) jump online and confirm which funds you wish to combine or 2) we’ll send you out the paperwork and all you need to do is sign them and return them to us.

Introducing Westpac SuperCheck

If you are already a Westpac Group customer, you can find out in a matter of seconds how much super you have and where it is.

Start searching now. Simply log in to your online banking and go to the superannuation page in the product menu.

Insurance cover

There are two insurance options available to eligible members of BT Super for Life; Standard cover or Customised cover.

Standard cover

Eligible members will receive pre-approved Standard cover when they open a BT Super for Life account – this provides insurance cover for Death and Total and Permanent Disability (TPD) insurance. There is no need to complete medical checks or submit any forms. The amount of insurance cover is based on the member’s age, and the cost of the insurance cover is based on both the member’s age and gender. 

NOTE: Please be advised that this insurance cover, and the payment of an eligible insurance claim, is subject to a Pre-existing condition clause (PEC). Other exclusions may also apply. Please refer to the PDS and Additional Information Booklet for more information about exclusions that apply to Standard Cover.

Customised cover

An eligible member can apply for up to three insurance options based on a combination of Death Only, Death and Total and Permanent Disablement, plus Salary Continuance Insurance cover (sometimes referred to as Income Protection insurance). The member is given flexibility regarding the amount of insurance cover they can apply for, however approval is not guaranteed and is dependent on the results of a medical assessment. The cost of the insurance cover will be based on the member’s age, occupation, gender, smoker status, pastimes and pursuits and the type and amount of cover requested.

I want to design my own super portfolio

I want ultimate control of my super

Fund codes

BT Super for Life forms part of the Retirement Wrap
ABN 39 827 542 991
RSE R1001327

BT Funds Management Limited 

ABN 63 002 916 458 
AFSL 233724 
RSE L0001090

To learn more about how BT’s Super for Life can help you plan for and enjoy retirement, contact us or speak to your financial adviser

* If you are already a Westpac Group customer you can start searching now. Simply log in to your online banking and go to the superannuation page in the product menu.

SuperCheck involves a search for superannuation being undertaken by BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724 (BTFM), the trustee and issuer of interests in BT Super for Life, which is a part of Retirement Wrap ABN 39 827 542 991. A Product Disclosure Statement (PDS) for BT Super for Life can be obtained by calling 132 135 or by visiting You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose interests into BT Super for Life. BTFM is a member of BT - Part of the Westpac Banking Corporation.

For further information about the methodology used by Chant West, see

BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724, RSE No. L0001090 is the trustee and issuer of interests in BT Super for Life which is a part of Retirement Wrap ABN 39 827 542 991, RSE R1001327. A Product Disclosure Statement (PDS) for BT Super for Life and BTPS’s Financial Services Guide (FSG) can be obtained by calling 132 135, or from the Product Disclosure Statement page. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super for Life.

Westpac Life Insurance Services Limited ABN 31 003 149 157, AFSL No. 233728 is the issuer of insurance cover offered through BT Super for Life. Further information about the insurance available through BT Super for Life is included in the PDS.

The information shown on this site 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.

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.

There is no charge for accepting any rollovers, however before requesting the rollover, you should consider where your future employer contribution 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 (eg insurance cover) noting that you may not receive the same type or level of benefits after the rollover.

An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141 (Westpac), St. George Bank, BankSA or Bank of Melbourne (which are Divisions of Westpac), 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 Westpac, 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 Super for Life.