At BT, we listened when you said you wanted to do more with your super, that you’d like to make it feel more “yours”. That’s why we have reimagined super, your way.

BT Super Invest lets you design a super account as individual as you are, with shares, managed funds, exchange traded funds (ETFs) and more; the choice is yours. Do as little or as much as you like and leave the rest to be managed by professionals.

Super designed your way

Start with a little or a lot
Decide how much you want to invest and fine-tune your portfolio as you go.

You set the pace
You can choose how involved you’d like to be in managing your investments and take on more or less as you see fit.

Super designed your way
Decide where to invest and move beyond the traditional investment options

The choice is yours

Decide where to invest
Invest your money, how and when you want, without the paperwork. You can refine your investments as you go, make the most of opportunities and adjust your long-term strategy when you see fit.

Move beyond the traditional investment options
You can access a range of investments including shares, ETFs, ready-made portfolios, managed funds and more. Compare social, environmental and governance practices before you invest so that you can align your super to your beliefs, creating a super account as individual as you. Download the Investment Options Booklet for a full list of investments available1.

Be informed, be confident

Never lose sight of your money
See where your money and investments are sitting and how they're performing at any time online through Westpac Online Banking or with our BT Panorama mobile app2.

Know what you’re paying for
Clear and comprehensive fee breakdowns and performance reports give you the clarity you deserve.

Never lose sight of your money and know what your paying for
More action, less admin

More action, less admin

You can seize opportunities through your super
BT Super Invest is easy to use, letting you move quickly on opportunities with no paperwork needed. You don’t need an adviser to open an account or make changes, but you can talk to someone if you decide you want to.

Focus on your big-picture, we’ll do the details
Create and fine-tune your super with the confidence that we’ll manage the backend admin tasks.

If you’re ready to get started you can apply online in about 10 minutes. It’s quick and paperless.

It’s easy to rollover your super. Use our SuperCheck service to find and combine3 your super if you choose. All we need is your TFN and consent and we’ll do the rest.

Set your own pace and learn as you go, knowing you can always fine-tune your options.

It’s time to design your super, your way

Planning for the unexpected
With BT Protection Plans insurance, you can have confidence that financial assistance is available should the unexpected happen.

Pay for your account#

The following administration fees apply to your account:

$540 pa + 0.15% pa of your total balance up to $1 million (capped)*

Plus expense recovery^:
Up to $95 pa + 0.03% pa
of your total balance

Pay for your investments#

In addition, and depending on your investment choices, the following fees and costs may apply:

Term deposits


Trading shares & ETFs

$12.50 per trade, or 0.11% of the transaction value (if greater)


0.04% pa to 1.76% pa (charged by the manager)

Managed funds

0.18% pa to 1.73% pa (charged by the fund manager)

Managed portfolios

0.34% pa to 1.16% pa (charged by the issuer)

# Other fees, costs and charges may apply to your BT Super Invest account, such as a cash account fee and transaction costs eg buy/sell spread. For further details, please refer to the PDS.

Other management, transactional and operational costs may apply to an ETF, managed fund or managed portfolio option. For further details, please refer to the relevant disclosure document(s) for the ETF, managed fund or managed portfolio option.

Current as at 18 February 2019. Fees and costs are subject to change.

* Nil on balances over $1 million.

^ The exact amount deducted will be confirmed in your annual statement.


Get started with BT Super Invest


Looking for something different?



Download the BT Panorama app

To enable you to access your BT Super Invest account on the go, download the BT Panorama mobile app2.

BT Super Invest is built on the BT Panorama operating system, our market leading technology that helps you manage your investments, in one convenient place.


Got a question about BT Super Invest? Take a look below to see if it's answered here.

If you require further information, download the BT Super Invest Product Disclosure Statement (PDF 5.9 MB) and Additional Information Booklet (PDF 834 KB), or call a BT Super Invest Consultant on 1300 783 160.

Who is eligible to apply for a BT Super Invest account?

  • You must be over 18 and living in Australia
  • You must have an email address and Australian mobile number.
In addition, if you are applying for a BT Super Invest Transition to Retirement or Pension account, please note that in order to commence an income stream from these accounts, you must have satisfied a condition of release under superannuation law which allows you to access your super. For more information about superannuation conditions of release, please visit

What's involved in the application process for BT Super Invest?

How this works

  • Fill out the secure online application in about 10 minutes (If you're a Westpac customer, you can sign in to skip a few steps)
  • Get identified online
  • Receive your account information by email.

Information you will need

  • Tax file number
  • Personal details
  • Identification – At least 1 of the following: Australian driver's licence, Medicare card or passport.

Is there a cooling-off period for BT Super Invest?

Yes, there is a 14 day cooling-off period during which you can reconsider your investment. This period starts on the earlier of the date you receive your transaction advice or five days after your initial investment is accepted.

For more information on cooling off, please refer to the BT Super Invest Additional Information Booklet.

Can I hold more than one type of BT Super Invest account?

Yes. BT Super Invest is designed to cater to a range of superannuation needs throughout your life, which can change depending on your own goals and circumstances.

For example, if you’ve reached your preservation age (between 55 and 60, depending on when you were born), you may be eligible to open a BT Super Invest Transition to Retirement account, which will allow you to withdraw money from your super while you still work (and continue to make contributions to your BT Super Invest Super (accumulation) account). Fees may apply to each account held.

If I don't make an investment choice, is there a default investment option for BT Super Invest?

No. Your money will remain in the cash account until you choose to invest it in one or more of the investment options on the investment menu. All cash is held in the cash account, which acts as your main transaction account inside your BT Super Invest account, and is used to settle investment transactions, pay insurance premiums, fees and taxes and make pension payments (if you are drawing an income stream from your pension account).

Which biller code should I use to make contributions to my BT Super Invest account via BPAY®?

You can BPAY into your account using the relevant BPAY Biller Code and your individual Customer Reference Number.

Biller Code for personal contributions: 260489
Biller Code for spouse contributions: 260471

Customer Reference Number: provided online once your account is activated.

What types of insurance are available through BT Super Invest?

If you have a BT Super Invest Super account, you can apply for Death and Terminal Illness cover, Total and Permanent Disablement cover and Income Protection through BT Protection Plans. Important information about the insurance cover available through BT Super Invest is set out in the BT Protection Plans Product Disclosure Statement and Policy Document (BT Protection Plans PDS).

Insurance cover is not available when your BT Super Invest account is in either Transition to Retirement or Pension phase.

How much do I need to start?

At a minimum, you’ll need $2000 in your cash account at all times to cover any admin fees or costs related to your investing activity.

You’ll also need the amount you choose to invest outside of cash, and enough to cover the cost of that investment. For further information, please refer to the BT Super Invest Product Disclosure Statement.

Do I have access to international shares?

You can get exposure to international markets through managed funds, ETFs and managed portfolios, however at this point in time BT Super Invest does not include an option to invest your super directly in international shares.

Can I use BT Super Invest to buy property?

You can get some exposure to the property market though managed funds and ready-made portfolios, which can include property in their asset mix. If buying direct property with your super is important to you, you may want to consider a self-managed super fund structure (SMSF). For more information go to

Open an account

If you're ready to get started you can apply online in about 10 minutes.

1300 783 160

Mon-Fri, 8:30am-6:00pm Sydney time

Things you should know

All examples and images are for illustrative purposes only. Your portfolio value and performance are likely to be different and will depend on the investment options you have selected and the time period over which you are invested in those options. Past performance is not an indicator of future performance.

1Current as at 23 July 2018. Investment options are subject to change.

2An internet connection is required to access the BT Panorama app. Normal data charges apply. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.

3There is no charge for accepting any rollovers, however before requesting the 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 (eg insurance cover) noting that you may not receive the same type or level of benefits after the rollover. 

4. As at September 2017 (source: 2017 Westpac Group Annual Report). 

This information has been prepared by BT Funds Management Limited ABN 63 002 916 458 (BTFM). BT Portfolio Services Ltd ABN 73 095 055 208 (BTPS) administers Panorama Super. BTFM is the trustee and issuer of Panorama Super, which is part of Retirement Wrap ABN 39 827 542 991. BT Super Invest is part of Panorama Super. A Product Disclosure Statement (PDS) for BT Super Invest can be obtained by contacting BT on 1300 881 716 or by visiting You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super Invest.

BTPS and BTFM are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). Apart from any interest investors may have in underlying bank accounts held at Westpac through their cash account, Westpac term deposit products or Westpac securities acquired through BT Super Invest, an investment in, or acquired using, BT Super Invest is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. Investments in BT Super Invest 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 any investments in, or acquired through, BT Super Invest.

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.

® Registered to BPAY Pty Limited ABN 69 079 137 518

SuperCheck involves a search for superannuation being undertaken by BTFM, as the trustee of Retirement Wrap.

BTFM is a member of BT Financial Group - A Division of Westpac Banking Corporation.

BT Protection Plans are issued by Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS), except for Term Life as Superannuation and Income Protection as Superannuation which are issued by Westpac Securities Administration Limited ABN 77 000 049 472 (WSAL) as trustee of the Westpac MasterTrust ABN 81 236 903 448. WLIS and WSAL are wholly owned subsidiaries of Westpac. Westpac does not guarantee the insurance. This information does not take into account your personal circumstances. The insurance is subject to terms and conditions, and limitations and exclusions apply. Please read the BT Protection Plans Product Disclosure Statement and Policy Document to see if this insurance is right for you. This can be obtained by calling 1300 553 764 or visiting

The fees and costs provided are current as at 23 July 2018 and may vary from time to time.