Skip to main content

My SmartStart Super

SmartStart Super ABN 57 526 653 420
SmartStart Super USI STL0050AU

Do you have more than one super account? Register/log in online now to find and combine your super. 

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

Bendigo MySuper (our default investment option) has passed the government's 2021 annual performance test!

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.

Strong long-term investment returns

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

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 do I apply for cover?

To apply for insurance cover in your super, complete the Insurance Application and Personal Health Statement Form. Read our Insurance in super fact sheet to learn more about the types of insurance cover available in super or to discuss your options.

2. How do I change my cover?

You can reduce the amount of cover you have or apply to increase your cover at any time by completing the relevant Insurance form. Read our Insurance Guide to learn more about the options available for tailoring your insurance cover.

3. How do I cancel my cover?

You can cancel your cover at any time by completing an Insurance Cancellation Form. If you change your mind and want cover later, you will have to re-apply and 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.

4. Can I transfer insurance cover from another super fund?

If you have insurance cover in another super fund, you can 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. We recommend you speak to your financial adviser or request a call back from one of our wealth specialists if you require general assistance and advice.

Not sure what's best for you? Our Wealth Concierge can help.

Our annual Member Outcomes Assessment has been finalised. See how we performed for the year ending 30 June 2021.

Education HUB article

View all articles
Young couple smiling and talking while walking through the Sydney Botanic Gardens.

Investment strategies

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.

Young couple smiling and talking while walking through the Sydney Botanic Gardens.
Young family walking on the beach
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.

Man standing in front of window drinking coffee.
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.

Woman buying a coffee in a busy coffee shop.
Take advantage of salary sacrifice

This can be a great way to boost your super balance and pay less tax overall. Salary sacrificed super contributions are classified as employer super contributions, rather than employee contributions. If you make super contributions through a salary sacrifice agreement, these contributions are taxed in the super fund at a maximum rate of 15%. Generally, this tax rate is less than your marginal tax rate.

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 2022 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.

Bendigo Bank logo
Connect with us

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 2022 Bendigo and Adelaide Bank