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Super that is good for you and your employees

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.


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

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.

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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