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Bendigo Superannuation

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. 

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

Our fees

The type of fees you pay can make a big difference to your retirement savings.

  • $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.

7.15% p.a.

10-year return^

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^

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.

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

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.

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.

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

^ Performance figures are as at 30 June 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. 

*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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