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Bendigo Superannuation

A better future starts with a low fee super fund. Welcome to Bendigo SmartStart Super®.

What makes SmartStart Super a great choice?

Your super fund should be easy to understand, easy to manage, and easy to keep track of. An added bonus is low fees, which ensures you get the most out of your super come retirement. 

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

Low fees

Paying low fees can make a big difference to your retirement savings. SuperRatings rates Bendigo SmartStart Super as one of Australia’s lowest fee funds1.

  • $98 annual admin fee

  • No establishment fee

  • No contribution or rollover fees6

  • No switching fees6

Where the smart money is

Bendigo Growth Index Fund is our most popular investment option, and continues to deliver long-term returns.

6.72% p.a.

10-year return^

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.


What are your investment options?

We do all the work

Investments evolve as you get older

Our default option Bendigo MySuper is an age-based investment strategy designed for members who prefer a hands-off approach to their super. As you grow older and get closer to retirement, your investment mix will automatically change to reduce the level of risk involved.

Below are the 10-year returns for each of our Bendigo MySuper life stage investment funds^

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

What are your insurance options?

Protect against the unexpected with your insurance fees (premiums) paid from your super account.
Default cover

If eligible, you will receive default Death and Total and Permanent Disablement (TPD) cover when you join. You can choose to decline or cancel your cover at any time.

Tailored cover

We have a range of insurance options available. You can apply to tailor your Death, TPD and/or Income Protection cover to suit your personal circumstances.

Transfer cover

You can apply to transfer your existing insurance cover from another super fund.

View more information about insurance in super, including forms and fact sheets.

Are you in the right super fund?

When it comes to superannuation, there’s no ‘one size fits all’ approach. Choosing a super fund is a personal decision, with many factors to consider.

Read article Visit our Education Hub
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How do I choose a super fund (4:09 minutes)

When it comes to superannuation, there's no one size fits all approach. There's different types of funds and different products available within these funds. MySuper is a product you can have within a superfund. Usually it offers lower fees, simple features and the option of a lifecycle investment for those who don't want to make an investment choice. Choosing a superfund is a personal decision with many factors to consider. All funds have their own fees, investment options, performance returns, insurance and services. Fees. All superfunds charge fees. Depending on the type of fee, they can be deducted regularly or after a specific action, such as switching investment options. Fees charge may be a dollar amount or a percentage or both. Investment options. Most superfunds offer a range of investment options to choose from. These can include preset options like cash and multi-sector managed funds. Some will even provide more specific choices like direct shares to allow you to tally your portfolio further.

Performance. All funds publish performance returns on their investment options for the short, medium and long term. As many factors can impact returns, including fees and costs along with market volatility, it's always best to review returns over the last five years. Insurance. Superfunds typically provide three types of insurance for members. These insurances include life cover, which may also be known as death cover, total and permanent disability or TPD and income protection. When deciding on a superannuation fund, you might be looking at different providers or options. If you do, it's important to consider the impact of fees and costs. Make sure you compare like with like, for example, comparing a balanced fund option with another balanced fund option over the same period of time where possible. Once you've chosen a fund and set up your account, it's important to notify your employer so they can pay your super contributions to the right place. Most funds will have a form you can use for this or you can use the Superannuation Standard Choice form provided by the Australian Tax Office. Your employer will have a copy of this form if you need one.

Superannuation and the way it operates can be quite complex, which is why we built an education hub to help you make informed decisions. You'll find lots of dedicated articles including consolidating your super, grow your super and many more. There's also a number of tools and resources available to you more broadly. The ATO, your super comparison tool displays a table of MySuper products. These are ranked by fees and net returns and the list is updated quarterly. You can then select and compare up to four MySuper products in more detail at any one time. If you access the tool via your myGov login, you can also compare your current superfund besides other MySuper products. If you would like more information on how to choose a superfund, our wealth concierge team can give you complimentary general advice or refer you to a financial planner for personal advice. To get in touch, make an online inquiry through our website or drop in and see us at your local Bendigo Bank branch or if you already have a financial planner, you can simply contact them and ask for some personal advice.

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.

Fund details

Fund name: SmartStart Super

ABN: 57 526 653 420


Product disclosure documents

These documents should be read in conjunction with each other.

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

Visit our Forms, Guides, and disclosures page for everything you need to fill in, plus anything else you need to know. 


Things you should know

Target Market Determinations for products are available. The super fund comparisons were based on the lowest average fees payable on a $50,000 account balance as at 30 September 2023.

6© Buy-sell spread may apply. Read the relevant Product Disclosure Statement (PDS) for full disclosure of fees and costs.

^ Performance figures are as at 30 September 2023 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. 

*Existing Bendigo Bank e-banking customers only.

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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