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My SmartStart Super

SmartStart Super ABN 57 526 653 420
SmartStart Super USI STL0050AU

My future, my way

Superannuation products are issued by our wholly owned subsidiary Bendigo Superannuation Pty Ltd.

Set up & manage my account
How is my super performing
Insurance in my super

Tools to help you manage your super and keep your details up to date.

Apply for insurance cover

Manage insurance in my super

Insurance through super explained

Insurance forms


Want your employer to pay your super into your SmartStart Super account? Follow these simple steps.

  • 1
    Download our Fund Nomination Form
  • 2
    Complete your details
  • 3
    Return the completed form to your employer

Hands-off approach: Bendigo MySuper investment option (default option)

Bendigo MySuper is the default investment option when you don't make an investment choice upon joining Bendigo SmartStart Super. You can also select Bendigo MySuper as your preferred investment option. 

It has three age-based investment options (you can view the Product Dashboard for each option by clicking the link below): 

Your account is automatically allocated to the appropriate investment option based on your age. This means your investment risk automatically reduces as you get older and get closer to retirement.

If you no longer wish to be invested in the Bendigo MySuper investment option, you can make an investment switch at any time by logging on to your secure online account.

2023 Annual Superannuation Performance Test results

Our announcement provides details on which Bendigo Super investment options did not pass the performance test, along with a list of frequently asked questions to help you understand our results.


Investment strategies

Education HUB article

An investment strategy is what guides your investment decisions. It is based on your future income or capital needs, how long you want to invest for, and how much risk you can live with.

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Investing in superannuation

Long-term investment returns

Each Bendigo MySuper life stage investment fund has delivered a strong long-term return over 10 years^

Not sure what's best for you? Our wealth specialists can help.

Insurance in my super

It's a good idea to review your insurance cover when your circumstances change e.g. you change jobs, start a family, divorce, buy a property, etc.

1. How can I check what cover I have?

You can view your existing cover at any time via Bendigo SmartStart Online. If you don’t have access that’s okay, you can use the link to register as well. Alternatively, our Client Services team is available on 1800 033 426 if you prefer to speak to someone directly.

2. Do I automatically receive cover when I join, and can I change it?

You may be eligible for default insurance upon joining, provided you satisfy the eligibility criteria and conditions. You can reduce the amount of cover you have, or if you feel that you may require more cover you can apply for tailored cover.

Read our insurance in super fact sheet and insurance guide and product disclosure statements to learn more about the types of insurance cover available in super. To apply for insurance cover in your super, complete he insurance application and personal health statement form.

3. Can I transfer my existing cover from another super fund?

If you have insurance cover in another super fund, you can apply to transfer this across to your Bendigo super account by completing an insurance transfer form. Be particularly careful if you have a pre-existing medical condition or are aged 60 or over, as this may affect your eligibility for new cover.

4. What if I don’t want or need any insurance cover?

You can decline to have insurance cover when you join or cancel cover at any time by completing the insurance cancellation form. If you change your mind and want cover later, you will have to re-apply a complete additional health checks. Insurance premiums will stop being deducted from your account after you cancel your cover, and you will no longer be able to make an insurance claim.

Our wealth specialists are available to provide you with general advice or refer you on to a financial planner who will be able to provide tailored advice to suit your needs. You can arrange a complimentary consultation by completing an online enquiry or asking in person at your local Bendigo Bank branch.

Planning for retirement? Learn more about our retirement income strategy.

Tips to grow your super

It may seem like forever before you can get your hands on your super. But that doesn’t mean you should ignore it. Here are our top tips on how to grow your super.

The market and your super

Learn more about market volatility and how it plays an important role in building long term growth for your super investment.

Start planning for retirement today

Whatever your retirement goals look like, we are here to help you reach them. With a little planning today, you can be financially prepared for retirement.

Read our latest super news

Need to talk to us?

Enquire online

Send us an online enquiry if you have any questions.


Call us today between 8am and 6pm (AEST/AEDT)

At a branch

Find your nearest Bendigo Bank branch

Things you should know

^ Performance figures are as at 31 March 2024 and calculated net of investment fees and costs and estimated tax, but exclude administration fees, insurance premiums, advice fees and other member activity fees. Estimated investment tax rates have been applied, based on assumed returns and estimate asset class allocations of the investment option. Past performance is not an indication of future performance. 

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.

This webpage may contain links to external websites. Bendigo Bank and Bendigo Super are not responsible for the accuracy and content of these websites. The information is the responsibility of the site owners. These links are provided for convenience and information purposes only.

On 27 September 2023, Bendigo and Adelaide Bank Ltd announced it had signed an agreement to sell Bendigo Superannuation Pty Ltd 

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

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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