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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 will be closed effective 5 October 2021. From this date no new employer or member applications will be accepted. The Bendigo Superannuation Contribution Service will also be closed to new applications.

Employer standing in between two employees with their arms crossed and smiling at the camera

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
Employer and employee looking at something online on a tablet

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

Read more about the Bendigo Superannuation Contribution Service 

Things you should know

Sandhurst Trustees Limited

Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Each of these companies receive remuneration on the issue of the product or service they provide. Sandhurst is the responsible entity and issuer of the managed funds available on this website, and is also the trustee and issuer of the Bendigo superannuation products. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested. Before making an investment decision in relation to one of these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.

Sandhurst is the issuer of the commercial lending products and the provider of any traditional trustee services available on this website. The Bendigo Funeral Bond (“the Bond”) is an investment product issued by Australian Friendly Society Limited (“the Society”), ABN 29 087 648 851 AFSL 247028, with benefits provided by the Society’s Funeral Benefit Fund established under Schedule 1, Rule E of its constitution and administered by Sandhurst. The Travel Protection Plan is issued by AIA Australia Limited ABN 79 004 837 861 AFSL 230043. The Society is associated with the Bank and its related entities. Neither the Bank nor any of its related entities guarantee the repayment of capital invested or the investment performance of the Bond. Information is correct at the date of this document and is subject to change.

The content on this website has been jointly prepared by Sandhurst and Bendigo and Adelaide Bank and contains general advice only. Advice in relation to superannuation and managed investment schemes is provided by Sandhurst and advice in relation to life risk insurance is provided by Bendigo and Adelaide Bank. It is provided as general information and must not be relied upon as a substitute for financial planning, legal, tax or other professional advice. The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Sandhurst nor the Bendigo and Adelaide Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this website. The information contained on this website is subject to change without notice. Neither Sandhurst nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.

Neither Sandhurst nor Bendigo and Adelaide Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Sandhurst or the Bendigo and Adelaide Bank of the products offered by the site owner.

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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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