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Love your future self.

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. Bendigo SmartStart Super is all of the above, and is rated by SuperRatings as one of Australia’s lowest fee funds1.

  • a low $98 annual admin fee
  • flexible investments
  • competitive insurance options
  • view your super balance every time you log into Bendigo e-banking*

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

Low fees

Paying low fees can make a big difference to how much superannuation you'll have at retirement. SmartStart Super is rated one of the cheapest public offer funds in Australia1. 

  • Only $98 annual admin fee
  • No establishment fee
  • No contribution/rollover fee
  • No fees to switch investment options

Investment options

Option 1 - We do all the work


Investments evolve as you get older

Our default option Bendigo MySuper, has an age-based lifecycle investment strategy that changes with you. Meaning your investment mix will automatically change as you get older, moving from investments aiming for higher returns when you're younger, to more stable, conservative investments as you get closer to retirement

Option 2 - You take control


Pick and choose your investment mix

If you prefer a more hands-on approach to your super, you can choose to invest in a range of investment options, including a socially responsible option as well as cash options.

Take a look at the range of investment options

Strong long-term investment returns

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

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

Protect against the unexpected

If life takes an unexpected turn and you get sick or injured and can no longer work, having insurance through super can provide an important safety net. If eligible, you'll receive default Death and Total and Permanent Disablement (TPD) insurance on joining SmartStart Super, unless you choose to cancel it. Your insurance fees (or premiums) are paid directly from your super so you don’t have to worry about paying any extra bills.

You can also apply:

  • for Income Protection cover;
  • to tailor your Death and TPD cover; and/or
  • to transfer cover from an existing insurance policy.

Read our fact sheet on insurance in super for more information.

Love your future self.

SmartStart Super ABN 57 526 653 420
SmartStart Super USI STL0050AU

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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.

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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. The super fund comparisons were based on the lowest average fees payable on a $50,000 account balance as at 30 June 2020.

^ 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. 

*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.

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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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