Visit our COVID-19 help page for our response and information including visiting our branches.
Skip to main content
Locate us 1300 236 344
Financial planningFuneral Bonds

Superannuation and retirement

Simple, low cost and easy to use, our SmartStart superannuation products are designed to help you retire more comfortably.

Let us help you retire with more

Superannuation products are issued by our wholly owned subsidiary Sandhurst Trustees Limited.

Don't lose your super to fees

The less fees you pay in super, the more you will be able to save towards your retirement.

We make it easy for you

Staying with one fund can make a big difference to how much you retire with - you can take your SmartStart Super account with you when you change jobs (if your employer allows choice).

It's your future, see it

It's never too early or too late - start contributing today. A little effort now can make a big difference later. 

Early access to Super FAQs

Let's get started

Super for you 

Don't trust just anyone with your future

Low cost, easy to use super solution designed to help you retire comfortably.

Woman taking a selfie of her partner and baby boy in front of their house.

Bendigo SmartStart Super®

SmartStart Super is rated one of the cheapest super funds anyone can join by, based on the lowest average fees payable of a $50,000 account balance.

imagevto.png      image8y17s.png

  • Low cost
  • Flexible investment options
  • Default and tailored insurance options
  • Apply online in less than 10 minutes

Super for your employees

Super that is good for you and your employees

Low cost, easy to use super solution designed to look after you and your employees.

Employer and employee discussing options on tablet screen.

Bendigo SmartStart Super® for employers

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.

  • MySuper authorised
  • Access to a SuperStream online payment solution
  • Flexible investment options
  • Insurance cover available

Pension for when you retire

Make the most of your retirement savings

Low cost, easy to use super solution designed to help you live your dream retirement.

Older couple walking barefoot on the beach with shoes in their hands

Bendigo SmartStart Pension®

SmartStart Pension provides you with two simple options; a standard pension to help you in your retirement, or a transition to retirement pension if you're not ready to plunge into retirement full-time.

  • Low cost
  • Flexible pension payment options
  • Low $10,000 minimum initial investment

How to apply or find out more


Apply online with a simple form

Apply now


Call us today 7am to 11pm (Victorian time):
1300 236 344

Calling from overseas - standard international call charges apply:
+61 3 5445 0666

At a branch

View our Coronavirus page for important information about visiting our branches.

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.

Refer to the Bendigo and Adelaide Bank terms of use for information that governs this website.

Financial Services Guide

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.

© Copyright 2020 Bendigo and Adelaide Bank