The improved online experience for your ANZ Smart Choice Super is available now. Learn more . Close mobile menu Personal Superannuation and retirement Superannuation and retirement Members Centre Superannuation and retirement ANZ Smart Choice Super ANZ Share Investing ANZ Smart Choice Super is super that’s easy to take care of, offers savvy investments, helping you to feel confident about your future. ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited , which is a part of the Insignia Financial group of companies. ANZ Smart Choice Super MySuper and all trustee-directed products passed the 2025 Performance Test. A dedicated online platform to view your Smart Choice Super An online experience built for your Smart Choice Super. Everything you're used to but with new and improved features. Register now to view and manage your Super with the ANZ Smart Choice Super online portal. Features and benefits for you Smart investments that adjust with your age Our investment experts select a mix of investments which adjust based on your age disclaimer – so the hard work is already done. Find out how ANZ Smart Choice Super has performed . Watch your super grow Stay in control of your super and watch it grow disclaimer by logging in to your ANZ Smart Choice Super account . Insurance in Super Consider the range of insurance options, to provide cover if the 'unexpected' happens. How much cover will I need? Insurance In Superannuation Find your super in a few clicks Find all your other super account(s) disclaimer – including any you've lost along the way and, if you want to, you can bring them all together in just a few clicks. disclaimer Smart investments Your super automatically prepares you for retirement - now that’s smart. Designed to suit no matter where you are in life, your Lifestage investment option selects a mix of investments based on your age disclaimer and adjusts them as you get older – so the hard work’s already been done. If you want a more active role in your investment decisions and the ability to construct your own portfolio, you can choose your own investment mix from a range of multi-asset and single-asset investment options. You can then compare or change your investments at any time through ANZ Internet Banking or ANZ Smart Choice Super online access . Use our investment tools for ANZ Smart Choice Super and Pension and ANZ Smart Choice Super for employers and their employees to see the investment options available. Select either 'Invest in your Lifestage option' tab or 'Choose your own investment mix' tab. View the underlying assets for our managed funds . Smart insurance Enjoy peace of mind knowing that if the unexpected happens, your family is protected. ANZ Smart Choice Super’s default Death and Total and Permanent Disability (TPD) standard cover is based on your age, with cover increasing when you’re likely to have greater commitments. Because insurance fees are deducted from your account, there's no impact on your take-home pay. Once your account is open, you can also apply for a cover amount of your choice. You can also apply for income protection cover. disclaimer Log into your account to find out what insurance you have or to apply for additional cover. Some employers offer tailored insurance arrangements for their plans. Call 13 12 87 for details. The Putting Members’ Interests First (PMIF) legislation aims to ensure that superannuation savings are not eroded by the cost of insurance cover that members may be unaware they have or don’t need. Starting 1 April 2020, super funds are unable to provide automatic insurance cover for members who are under 25 or have a balance less than $6,000. The dangerous occupation exception allows super funds to offer insurance cover to members working in high risk roles, even if they are under 25 or have an account balance below $6,000. Dangerous Occupations Exception Election (PDF) ANZ Smart Choice Super FAQs How do I apply for ANZ Smart Choice Super? We no longer accept applications directly from new customers. Any existing members in ANZ Smart Choice Super can apply for a pension account in ANZ Smart Choice Super and Pension. If your workplace offers ANZ Smart Choice Super for employers and their employees as a default super option, you may be able to elect to join. Speak to your employer for more information. How do I apply for ANZ Smart Choice Super for Employers and their Employees? You cannot apply for ANZ Smart Choice Super for employers and their employees directly. If your workplace offers ANZ Smart Choice for employers and their employers and their employees as the default super option, you may be able to elect to join. Speak with your employer for more information. What are the fees and charges associated with ANZ Smart Choice Super? Generally, superannuation funds charge a range of fees for administration and investment management. ANZ Smart Choice Super charges a monthly Administration fee and an annual expense recovery levy to cover the administration and operational costs of the superannuation fund. There are also Investment fees and costs and Transaction costs that relate to the costs of managing your investments. The amount of fees and charges will vary based on your superannuation balance, your investment mix, whether you switch between investment options and other factors. To give you a clear picture of the ongoing annual fees and costs of ANZ Smart Choice Super please review your annual statement or the product disclosure statement relevant to you. ANZ Smart Choice Super and Pension (PDS) (PDF) ANZ Smart Choice Super for employers and their employees (PDS) (PDF) ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDS) (PDF) Do I have insurance cover in ANZ Smart Choice Super? ANZ Smart Choice Super offers a range of options including Death, Total and Permanent Disability (TPD) and Income Protection (IP). You can choose your own level of cover (subject to maximum benefit levels) or choose the convenience of Lifestage cover. Lifestage cover is based on your age and automatically increases cover for when you’re likely to have greater commitments and lowers cover when you’re likely to have less. Log into your account to find out how much cover you have or apply for additional cover. For all cover types, Insurance Fees are automatically deducted from your super balance, so they have no impact on your take home pay. What are the ANZ Smart Choice Super investment options? ANZ Smart Choice Super offers two investment choices: ‘Lifestage’ and ‘Choose your own’ . With the Lifestage option, the ANZ Smart Choice Super investment experts select a mix of investments based on your decade of birth which automatically adjust as you get older, so your super is tailored to your needs. With the ‘ Choose your own ’ investment mix you can take a more active role in your investment decisions. You can choose from a range of carefully selected multi-asset or single-asset investment options - designed to suit different levels of risk and potential returns. Use our investment tools for ANZ Smart Choice Super and Pension and ANZ Smart Choice Super for employers and their employees to see the investment options available. How can I move my super from my other funds into my ANZ Smart Choice Super account? We can help you round up all of your super in a few clicks. Find all your other super account(s)- including any you’ve lost along the way and, if you want to, we’ll help you bring them all together in just a few clicks so you don't pay multiple sets of fees. Before you consolidate your super it’s important to consider if ANZ Smart Choice Super is right for you, as well as considering the fees, costs, investment options, or if there are any adverse consequences for you, including fees, other loss of benefits such as insurance cover. If you need help, you should seek financial advice. To find and consolidate your super: Get online via www.anz.com.au/smartchoiceaccess Search: Consent to an ATO SuperMatch search disclaimer using your TFN and you'll see your other funds in just a few seconds. Submit: Select the accounts you would like to consolidate into your ANZ Smart Choice Super account and the rest is taken care of. No paper forms required. How do I ask my employer to pay super contributions into my ANZ Smart Choice Super account? The easiest way to tell your employer about your ANZ Smart Choice Super account is to email or hand them your completed Super Choice form. It is as easy as three simple steps: Log into your ANZ Smart Choice Super account via www.anz.com.au/smartchoiceaccess Click on the 'Tools & resources' tab. From there, click on 'Notify my employer' on the left-hand side, and then click the 'Super Choice Form' to download your pre-populated form. Sign the form and hand or email it to your employer. That's it! Another option is to complete the ATO’s Superannuation standard choice form . A pre-filled online form can be accessed through the ATO online services via myGov. Your ANZ Smart Choice Super fund and account details will be displayed in the form if you choose to nominate this super fund to your employer to pay contributions to. Can I turn my super account in ANZ Smart Choice Super into a pension account in ANZ Smart Choice Super and Pension? Absolutely! Once you’ve met a condition of release for your super, ANZ Smart Choice Pension converts your accumulated super into a regular income stream that pays you on a monthly, quarterly, half-yearly or yearly basis. In addition to regular payments, you also have the option to make a one-off pension withdrawal at any time. Give us a call on 13 12 87 (Intl: +61 3 7051 3694 ), we are ready to chat Monday-Friday 8:30am to 6:30pm (Sydney/Melbourne time). Product dashboards Compare ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees with other MySuper products. ANZ Smart Choice Super for employers and their employees (PDF) ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF) Your super is your independence. Get on top of it today. For existing ANZ Smart Choice Super customers, you can: Manage my account Find your super disclaimer , check your balance and transactions, review and adjust your investment mix and more. Manage my account Visit ANZ Smart Choice Super Learning Centre

Learn more about superannuation, read the latest product news and performance. Start a conversation Give us a call on 13 12 87 or +61 3 7051 3694 (international clients), we are ready to chat Monday-Friday 8:30am to 6:30pm (Sydney/Melbourne time). Alternatively you can email us on smartchoice@insigniafinancial.com.au or ANZ Smart Choice Super Live chat via our Learning centre . If you are an ANZ Bank customer, keep track of your super on the ANZ App (not available on ANZ Plus). Feature only available on iOS devices. Downloads - important documents ANZ Smart Choice Super and Pension Product Disclosure Statement ANZ Smart Choice Super and Pension Product Disclosure Statement (PDF) ANZ Smart Choice Super and Pension Additional Information Guide (AIG), Fees Guide, Buy Sell Spread Guide and Electronic Terms and Conditions (PDF) Additional information Changes to ANZ Smart Choice Super Electronic Access Terms and Conditions (PDF) Smart Choice - Insurance Occupation Guide (PDF) Insurance information and update ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited, learn more about the Trustee and Fund Find the form (PDF) you are looking for, read the latest updates about product, insurance or regulatory changes that may impact your ANZ Smart Choice Super account in our Member Centre ANZ Smart Choice Super for employers and their employees Product Disclosure Statement ANZ Smart Choice Super Employer Product Disclosure Statement (PDF) ANZ Smart Choice Super Employer Additional Information Guide (AIG), Fees Guide and Buy Sell Spread Guide (PDF) ANZ Smart Choice Super Insurance Guide - Standard Employer Plans (PDF) ANZ Smart Choice Super Insurance Guide - Tailored Employer Plans (PDF) Product Dashboard (PDF) ANZ EasyTransact and the Super Clearing Service PDS (PDF) Additional information Changes to ANZ Smart Choice Super Electronic Access Terms and Conditions (PDF) Insurance information and updates Smart Choice - Insurance Occupation Guide (PDF) ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees Product Disclosure Statement ANZ Smart Choice Super Product Disclosure Statement for QBE and their employees (PDF) ANZ Smart Choice Super Employer Additional Information Guide (AIG), Fees Guide and Buy Sell Spread Guide for QBE and their employees (PDF) Product Dashboard - QBE (PDF) ANZ EasyTransact and the Super Clearing Service PDS (PDF) Additional information Changes to ANZ Smart Choice Super Electronic Access Terms and Conditions (PDF) Insurance information and updates Smart Choice - Insurance Occupation Guide (PDF) Feedback and complaints How to make a complaint, compliment or provide feedback We value your feedback and we’re committed to resolving any concerns you may have. If you have a complaint, our service representatives can usually resolve it quickly over the phone on 13 12 87 or +61 3 7051 3694 (international clients). Email us at: superfeedback@insigniafinancial.com.au Write to: Complaints Resolution Manager OnePath Custodians Pty Limited GPO Box 5107 Sydney NSW 2001 Lodge an online compliment, suggestion or complaint . An assigned case manager will conduct a fair review and provide you with a full response in writing. How to make a complaint, compliment or provide feedback We value your feedback and we’re committed to resolving any concerns you may have. If you have a complaint, our service representatives can usually resolve it quickly over the phone on 13 12 87 or +61 3 7051 3694 (international clients). Email us at: superfeedback@insigniafinancial.com.au Complaints Resolution Manager OnePath Custodians Pty Limited GPO Box 5107 Sydney NSW 2001 Lodge an online compliment, suggestion or complaint . An assigned case manager will conduct a fair review and provide you with a full response in writing. Further help - the Australian Financial Complaints Authority (AFCA) If you don’t receive a response to your complaint within 45 days (or 90 days for certain death benefit-related claims) or if you’re not satisfied with our response to your claim, you may be able to lodge a complaint with AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers. Website: www.afca.org.au Email: info@afca.org.au Telephone: 1800 931 678 In writing to: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Time limits may apply to complain to AFCA so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires. Insignia Financial Group Complaints Policy documents Insignia Financial Group Complaints Policy (PDF) Insignia Financial Group Complaints Policy - Arabic (PDF) Insignia Financial Group Complaints Policy - Greek (PDF) Insignia Financial Group Complaints Policy - Italian (PDF) Insignia Financial Group Complaints Policy - Simplified Chinese (PDF) Insignia Financial Group Complaints Policy - Traditional Chinese (PDF) Insignia Financial Group Complaints Policy - Vietnamese (PDF) Further help - the Australian Financial Complaints Authority (AFCA) If you don’t receive a response to your complaint within 45 days (or 90 days for certain death benefit-related claims) or if you’re not satisfied with our response to your claim, you may be able to lodge a complaint with AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers. Website: www.afca.org.au Email: info@afca.org.au Telephone: 1800 931 678 Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Time limits may apply to complain to AFCA so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires. Insignia Financial Group Complaints Policy documents Insignia Financial Group Complaints Policy (PDF) Insignia Financial Group Complaints Policy - Arabic (PDF) Insignia Financial Group Complaints Policy - Greek (PDF) Insignia Financial Group Complaints Policy - Italian (PDF) Insignia Financial Group Complaints Policy - Simplified Chinese (PDF) Insignia Financial Group Complaints Policy - Traditional Chinese (PDF) Insignia Financial Group Complaints Policy - Vietnamese (PDF) Important information “ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF) , ANZ Smart Choice Super for employers and their employees (PDF) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF) . OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346 RSE L0000673) (OPC) is the issuer of the ANZ Smart Choice Super suite of products. OPC is the trustee of the Retirement Portfolio Service (ABN 61 808 189 263, RSE R1000986) (RPS) and the ANZ Smart Choice Super suite of products are part of the RPS. You should consider obtaining financial advice before making any decisions based on the information. You should obtain a Product Disclosure Statement (PDS) relating to the relevant financial product and consider it before making any decision about whether to acquire or continue to hold the product. Target Market Determinations (TMDs) where required for relevant products have to be available for consideration by distributors/members. A copy of the PDS and TMD (where relevant) is available via the links above, and upon request by phoning 13 12 87 or by searching for the applicable product at www.anz.com.au/smartchoicesuper . We recommend that you read the ANZ Financial Services Guide (PDF) , before deciding whether to acquire or continue to hold this product. View the ANZ Smart Choice Super and Pension Target Market Determination (PDF) . ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees are MySuper compliant products issued pursuant to the latest PDS available at www.anz.com.au/smartchoicesuper . OPC is part of the Insignia Financial group of companies, comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). The ANZ brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial group of companies (including OPC) are not related bodies corporate. ANZ does not stand behind or guarantee these products. Before re-directing your super or moving your money into ANZ Smart Choice Super, you will need to consider whether there are any adverse consequences for you, including loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid. “ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF) , ANZ Smart Choice Super for employers and their employees (PDF) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF) . OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346 RSE L0000673) (OPC) is the issuer of the ANZ Smart Choice Super suite of products. OPC is the trustee of the Retirement Portfolio Service (ABN 61 808 189 263, RSE R1000986) (RPS) and the ANZ Smart Choice Super suite of products are part of the RPS. You should consider obtaining financial advice before making any decisions based on the information. You should obtain a Product Disclosure Statement (PDS) relating to the relevant financial product and consider it before making any decision about whether to acquire or continue to hold the product. Target Market Determinations (TMDs) where required for relevant products have to be available for consideration by distributors/members. A copy of the PDS and TMD (where relevant) is available via the links above, and upon request by phoning 13 12 87 or by searching for the applicable product at www.anz.com.au/smartchoicesuper . We recommend that you read the ANZ Financial Services Guide (PDF) , before deciding whether to acquire or continue to hold this product. View the ANZ Smart Choice Super and Pension Target Market Determination (PDF) . ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees are MySuper compliant products issued pursuant to the latest PDS available at www.anz.com.au/smartchoicesuper . OPC is part of the Insignia Financial group of companies, comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). The ANZ brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial group of companies (including OPC) are not related bodies corporate. ANZ does not stand behind or guarantee these products. Before re-directing your super or moving your money into ANZ Smart Choice Super, you will need to consider whether there are any adverse consequences for you, including loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid. This information is of a general nature and has been prepared without taking account of your personal needs, financial situation or objectives. Before acting on this information, you should consider whether the information is appropriate for you having regard to your personal needs, financial circumstances or objectives. This information is of a general nature and has been prepared without taking account of your personal needs, financial situation or objectives. Before acting on this information, you should consider whether the information is appropriate for you having regard to your personal needs, financial circumstances or objectives. All fees are subject to change. Other key features are relevant when choosing a super fund, including performance. Past performance is not indicative of future performance. All fees are subject to change. Other key features are relevant when choosing a super fund, including performance. Past performance is not indicative of future performance. Taxation law is complex and this information has been prepared as a guide only and does not represent taxation advice. Please see your tax adviser for independent taxation advice. The information on insurance cover is a summary only of the terms and conditions applying to the insurance cover. To the extent there is any inconsistency with the terms of the insurance cover provided by the insurer, the terms of the insurance policy will prevail. Taxation law is complex and this information has been prepared as a guide only and does not represent taxation advice. Please see your tax adviser for independent taxation advice. The information on insurance cover is a summary only of the terms and conditions applying to the insurance cover. To the extent there is any inconsistency with the terms of the insurance cover provided by the insurer, the terms of the insurance policy will prevail. ANZ does not represent or guarantee that access to ANZ Internet Banking or the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App. ANZ does not represent or guarantee that access to ANZ Internet Banking or the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App. The ANZ App is provided by ANZ. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Apple Pay and Touch ID are trademarks of Apple Inc. The ANZ App is provided by ANZ. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Apple Pay and Touch ID are trademarks of Apple Inc. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge. You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge. The investment mix is selected based on the member’s decade of birth. You can grow your super through investment performance and regular contributions. Past performance is not indicative of future performance. Your investment is subject to investment risk, including possible repayment delays and loss of income and capital invested. Note: if the ATO‘s SuperMatch service is not available, we will not be able to search for your other super account(s). What to consider before you consolidate your super: Firstly, is ANZ Smart Choice Super right for you? We are not providing you with any advice to transfer your super to ANZ Smart Choice Super. Before you transfer, think if there are any adverse consequences for you, including fees, other loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks, and where your future employer contributions will be paid. Check your annual statements or other documents from your existing super funds. If you need help, you should seek financial advice. Choose Your Own Cover is subject to eligibility and underwriting acceptance by the Insurer. Refer to the PDS (PDF) and relevant Insurance Guide for further detail.