Super designed your way

Decide how your super is invested
Invest your superannuation in Australian shares, Exchange Traded Funds (ETFs), managed funds and more – all online. You choose how every dollar is invested from the start. View investment options1.

Choose how involved you’d like to be 
Manage your own investments, or if you’d like a bit of help, choose from a wide range of professionally managed funds or portfolios. You can create your own mix.

Super designed your way
Never lose sight of your money and know what your paying for

See the details you might be missing

Track your performance at any time
View your super investments in one place with one convenient dashboard and reports that give you clear visibility of your super investments.

Know what you’re paying for 
Get a clear and comprehensive fee breakdown and a detailed transaction history of your super investments.

More action, less admin

Invest without the paperwork
Manage your super investments from your mobile, tablet or desktop so you can move quickly when opportunities arise.

Simpler than a self managed super fund 
You don’t have to establish a trust or take on the trustee responsibility, so you can focus on your investments.

More action, less admin

SuperCheck2 is now available for you to find and combine your super when you log in to your BT Super Invest account. 

Log in to BT Panorama on a desktop or download the BT Panorama Mobile App so you can start investing your super, your way.

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)*

Note: Effective 1 April 2020 and until further notice, the transaction account balance will be temporarily excluded from the calculation of the administration fee payable on the transaction account portion of account.

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)

  • ETFs
    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 transaction 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.


Who is this account for? 

  • Self-directed investors who want greater control over their investment choice. 
  • Anyone in Australia that is 18 years of age or older.
  • Those who can maintain balance of $2,000 in transaction account.

Open an account

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

To apply, you'll need your:

  • Personal details 
  • Identification – at least one of the following: Australian driver's licence, Medicare card or passport 
  • TFN is optional but tax may be withheld if you don’t provide it 

Call 1300 783 160

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

I want a simple super account

I want ultimate control

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Documents and downloads

Tar­get Mar­ket De­ter­mi­na­tions for these prod­uct(s) are avail­able at​​tmd

Download the BT Panorama app

BT Super Invest is built on BT Panorama, the award-winning online platform3 that helps you manage your super investments in one convenient place.

Things you should know

Current as at 25 January 2019. Investment options are subject to change.

2 BT SuperCheck involves a search for superannuation being undertaken by BT Funds Management Limited ABN 63 002 916 458, AFSL 2337 (BTFM), as the trustee and issuer of interests in BT super Invest, which is the Trustee for Retirement Wrap. A Product Disclosure Statement (PDS) for BT Super Invest can be obtained by calling 1300 881 716 or by visiting

Before requesting a rollover of your superannuation benefits, you should consider where your future employer contributions will be paid. If you wish to change the fund into which your employer contributions are being paid, you will need to contact your employer. You should also 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). You may not receive the same type or level of benefits after the rollover and may lose any insurance entitlements you have in other fund(s).

BT Panorama won ‘Best Technology Offering’ at the Conexus Financial Superannuation Awards, 2017, 2018 and 2019. The awards recognise excellence in the superannuation industry and an independent committee selects the winners. 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 a BT Panorama Investments account. Awards and ratings are current at the time of publication but are subject to change. 

The information on this website has been prepared by BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) and is current as at February 2019. 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. 

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) administers BT Super Invest. BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the trustee and issuer of BT Super Invest, which is part of Retirement Wrap ABN 39 827 542 991. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Together, these products are referred to as the Panorama products. 

A Product Disclosure Statement or other disclosure document (PDS) for the Panorama products can be obtained by contacting BT on 1300 783 160 or by visiting You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. 

BTPS, BTFM and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits or Westpac securities acquired through the Panorama products or underlying bank accounts held at Westpac through their Panorama super transaction account, an investment in, or acquired using, the Panorama products is not an investment in, deposit with 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 any investments in, or acquired through, the Panorama products.

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