Super for employers

Super products are issued by Sandhurst Trustees Limited

SmartStart Super® makes it easy for you to meet your super obligations.

As an employer, you need to select a complying super fund that has a MySuper authorised 'default' option for your employees.

Watch our video to understand your super obligations.

Our super solution for employers offers a simple, flexible, low cost superannuation solution for your employees, which focuses on delivering strong performance through smart investments and includes default insurance cover or tailored choices.

Smartstart Super is MySuper authorised and offers an online payment solution that is SuperStream ready.

You will find more detail in the employer guide and can apply for Smartstart Superannuation using the employer application booklet.

You need to choose a default fund that works for you, and your employees.

A default fund is where you will pay your employee's super, if your employee does not or cannot choose their own super fund. It must be a complying super fund that has a MySuper option.

You're also required to give eligible employees a Standard Choice Form within 28 days of starting to allow them to choose their own super fund. Where a choice is made, you must pay super contributions to your employee's chosen fund.

Super guarantee (SG) contributions

Generally, you need to pay SG contributions quarterly for employees who are:

  • 18 years old and over
  • working on a full-time, part-time or casual basis, and
  • earning more than $450 in a calendar month, or
  • under 18 years old and working more than 30 hours per week.

The current SG rate is 9.5% of your employee's ordinary time earnings.


By July 2016, all employers need to be paying super contributions and sending data using the standard SuperStream format. Our online solution, Bendigo Superannuation Contribution Service, helps you meet your super obligations.

Bendigo Superannuation Contribution Service takes the hassle out of paying your employees' super, and helps you meet your super obligations.

Once you've registered for the service, you can pay your super contributions – and complete general maintenance for your employee's accounts – online. You can find handy tips on how to use the service.

The easy-to-use online super contribution management and clearing-house solution allows you to:

  • Pay all of your super contributions to multiple super funds in a single payment
  • Carry out general maintenance tasks such as adding new employees, amending their details and removing exiting employees
  • Meet your SuperStream obligations