One-size-fits-all super is a thing of the past

Whatever your investing experience, your goals, or your philosophy, BT Super may have an investment option to suit you.

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Features & benefits

  • Access your super and take action – any time, from anywhere via our online portal or app.

  • See your super with online banking with Westpac, St.George, Bank of Melbourne, and BankSA.

  • Invested for you and automatically adjusted for your age or personalise your super by choosing your own investment mix.

  • Flexible insurance cover from our award-winning insurer.

  • Tools to help with your financial, mental and physical wellbeing.

  • Everyday deals and discounts.

Building your super

BT Super offers flexibility and choice so that everyone can personalise their super.  


Lifestage is a smart investment option that changes with your age, with the aim to maximise growth when you are young and reduce your exposure to risk as you approach retirement.

Personalise your investment

You can make a choice about how your super is invested, if you’d like to. BT Super has investment options to suit different ages, knowledge and goals. See the BT Super Investment Guide for more information.

Other than your employer contributing to your BT Super account, you can build your super quicker by adding to it yourself.

The ways you can contribute to your super are explained in the BT Super Product Disclosure Statement.

Insurance cover

Your BT Super account provides insurance that could help if you become ill, injured – or worse. The cost of this insurance is paid from your super account. BT Super offers Death, Total & Permanent Disablement, and Salary Continuance Cover.

Benefits of insurance in super

While we don’t like to think of something going wrong, it’s comforting to have a safety net just in case. The insurance in your super may help you or your family cope financially if something unexpected happens. It’s a safety net that many Australians rely on.

  • Some cover is provided without medical checks, which provides quicker coverage.

  • Insurance fees are automatically paid from your super balance.

  • You have the choice to apply for more cover.

The greatest wealth is to live well

At BT, we believe the greatest wealth is to live well. As a super fund, it’s our responsibility to help people prepare for their best financial future, but we know that to truly live well, people need support across all aspects of their life - financial, physical and mental health, as well as a focus on wellbeing through family and community.

That’s why we’re the first super fund to bring a whole wellbeing philosophy to our super offer and provide programs, tools and support across all of these fronts. Here are some examples.

Check out our Benefits Now program. It offers a range of specially selected discounts and deals to help you save money on everyday things like movie tickets, shopping, travel, fitness and insurance. Log into your super account and you’ll see the link for Benefits Now at the top of the page.

My Wellbeing aims to educate and empower individuals to achieve their best health – physically, mentally and financially. You’ll hear more about this soon.

More information

Fund codes

BT Super 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

Registrable superannuation entity (RSE)

For more information in relation to Registrable Superannuation Entity:

  • Executive officers and executive & trustee remuneration

  • Nomination, appointment and removal of trustees/directors

  • Directors & executives relevant interest and duties register

  • RSE board meeting attendance

  • RSE conflicts management policy

  • Proxy voting policies

  • Summary of how voting rights have been exercised

  • Name and ABN of all outsource service providers

Read more about regulatory reporting

Contact us to learn more about how you can get the most from your BT Super.

Things you should know

BT Super forms part of Retirement Wrap ABN 39 827 542 991 (‘Fund’) and is issued by BT Funds Management Limited ABN 63 002 916 458, AFSL 233724 (‘BTFM’), the trustee of the Fund. A Product Disclosure Statement (PDS) (including the Guides) and Financial Services Guide are available by calling us on 132 135 or visiting

You should consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super. SuperCheck involves a search for superannuation being undertaken by BTFM. The information in this publication does not take into account your personal objectives, financial situation or needs and because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs. This publication provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such.

BTFM is a subsidiary of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). An investment in BT Super is not an investment in, deposit with Westpac or any other liability of 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. Westpac and its related entities (including BTFM) do not stand behind or otherwise guarantee the capital value or investment performance of BT Super.