Bendigo SmartStart Super® makes it easy for you to meet your super obligations, so you can get back to doing what you do best - running your business.
The employer division of BSSS closed to new members and employers effective 5 October 2021. The Bendigo Superannuation Contribution Service is also closed to new applications.

Your super obligations
As an employer, you’re responsible for choosing a “default fund” for your employees, which is where you will pay your employee’s super if they can’t or don’t choose their own super fund. Your default super fund must be a complying super fund that has a MySuper investment 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.
SuperStream
All employers are required to pay employees’ super contributions and send all required data in a SuperStream compliant format.
Super Guarantee (SG) contributions
The current SG contribution rate is 10% and generally needs to be paid to part time, permanent and casual staff to whom you pay a minimum of $450 (before tax) in a month.
Payments must be received by the super fund at least quarterly by the payment deadlines below.
Period | Payment due date |
---|---|
1 July - 30 September | 28 October |
1 October - 31 December | 28 January |
1 January - 31 March | 28 April |
1 April - 30 June | 28 July |

Managing employees' super online
Bendigo Superannuation Contribution Service takes the hassle out of paying your employees' super, and helps you meet your super obligations. It helps you to:
- pay all of your super contributions in one single online transaction
- take the hassle out of general maintenance tasks such as adding or removing employees, or amending existing employee details
- meet your SuperStream obligations
Product disclosure documents
Things you should know
Bendigo Superannuation
Bendigo Superannuation Pty Ltd ABN 23 644 620 128 AFSL 534006 (Bendigo Super) is the trustee and issuer of Bendigo SmartStart Super and Bendigo SmartStart Pension (products). Bendigo Super is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879 (Bank). Each of these companies receives remuneration on the issue of the products or services they provide, full details of which are contained in the relevant Product Disclosure Statement (PDS). Bendigo Super, the Bank and its related entities do not guarantee the repayment of capital invested, the payment of income or products’ investment performance. An investment in these products does not represent a deposit with, or liability of Bendigo Super, the Bank or its related entities. The Bank does not stand behind or guarantee the performance of Bendigo Super in its capacity as trustee and issuer of the products. Bendigo Super is not an authorised deposit-taking institution within the meaning of the Banking Act 1959.
Information on the website is subject to change without notice. Any advice in relation to superannuation is provided by Bendigo Super. The information contains general advice only and does not take into account your personal objectives, situation or needs. Before making an investment decision in relation to these products you should consider your situation and read the relevant PDS accessible through this site.