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Make the most of your retirement

Low cost and easy to use, Bendigo SmartStart Pension aims to help you live your dream lifestyle when you retire.

Why choose SmartStart Pension?

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

Low cost. Enjoy your retirement savings, don't spend it on fees.
Flexible pension types and payment options.
Low $10,000 minimum initial investment.

It's money you've worked hard for. Don't spend it all on fees.

Bendigo SmartStart Pension aims to provide a low-cost, easy to use solution to help you in retirement or as you transition to retirement.

  • Competitive annual administration fee of $98. plus 0.20% of your account balance
  • No establishment fee
  • No contribution/rollover fee
  • No fees to switch investment options



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.


There are two ways you can choose to fund your retirement

A standard pension

If you have permanently retired and have reached your Preservation Age, you can choose to convert your super savings into a tax effective income stream.

You can receive your pension payments to your nominated bank account fortnightly, monthly, quarterly, half-yearly, or annually.

A Transition to Retirement pension (TTR)

If you have reached your preservation age but are still working, you can still use your super to commence a tax-effective income stream.

You can do this in combination with reducing your hours of work to slowly ease into retirement, or it can be used to boost your income through fortnightly, monthly, quarterly, half-yearly or annual payments, while you are still contributing to super from your salary.

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

Product disclosure document

From time to time, information in our Product Disclosure Statement (PDS) needs updating. For the latest updates to the PDS, read our ‘Product Disclosure Statement - updates’.

How to apply or find out more


Apply online with a simple form

Apply now


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

At a branch

Use our branch locator to search for a branch, agency or ATM near you.

Things you should know

Target Market Determinations for products are available.

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.

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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