Let us help you retire with more

Super products are issued by our wholly owned subsidiary Sandhurst Trustees Limited.

Don't lose your super to fees

The less fees you pay in super, the more you will be able to save towards your retirement.

We make it easy for you

Staying with one fund can make a big difference to how much you retire with - you can take your SmartStart Super account with you when you change jobs (if your employer allows choice).

It's your future, see it

It's never too early or too late - start contributing today.  A little effort now can make a big difference later.

Our search and combine tool can help find other super held in your name.


Let's get started

Don't trust just anyone with your future

Low cost, easy to use super solution designed to help you retire comfortably.

Bendigo SmartStart Super®

SmartStart Super is rated one of the cheapest super funds anyone can join by superratings.com.au, based on the lowest average fees payable of a $50,000 account balance.

  • Low cost
  • Flexible investment options
  • Default and tailored insurance options
  • Apply online in less than 10 minutes


Super that is good for you and your employees

Low cost, easy to use super solution designed to look after you and your employees

Bendigo SmartStart Super® for employers

SmartStart Super makes it easy for you to meet your super obligations, so you can get back to doing what you do best - running your business.

  • MySuper authorised
  • Access to a SuperStream online payment solution
  • Flexible investment options
  • Insurance cover available


Make the most of your retirement savings

Low cost, easy to use solution designed to help you live the retirement you have been dreaming of.

Bendigo SmartStart Pension®

SmartStart Pension provides you with two simple options; a standard pension to help you in your retirement, or a transition to retirement pension if you're not ready to plunge into retirement full-time.

  • Low cost
  • Flexible pension payment options
  • Low $10,000 minimum initial investment

Speak to a Financial Planner today to plan your retirement strategy

Older couple sharing wine in living room.

Homesafe Wealth Release®

Homesafe Wealth Release® allows you to tap into the value of your home without having to sell it or move out.

It's a new and innovative way to release a cash lump sum from your single biggest asset to improve your quality of life in retirement.

This is a product of Homesafe Solutions Pty Ltd (ACN 106 784 918), a company equally owned by Athy Pty Ltd (ACN 005 852 246) and Bendigo and Adelaide Bank Limited.


How to find out more

Enquire online

Send us an online enquiry if you have any questions.


Call 1300 236 344

Or have one of our team contact you


At a branch

Find your nearest Bendigo branch


Additional Information

Sandhurst Trustees Limited Disclaimer

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.