Business super for employers

Help meet your super guarantee obligations with a business super solution from BT.

Here to help you set up and manage employee super

BT Super for employers

As part of the Westpac group, BT is one of Australia’s leading wealth experts.  BT Super, a  superannuation fund, provides the following features:

 

  • Set up a super plan for your business online in minutes – at no cost
  • Make just one payment for all contributions using our QuickSuper clearing house
  • Provide your employees with investment flexibility, insurance and everyday benefits.
  • Access to wellbeing resources for your employees and small to medium business owners
More about BT Super

Articles about super for your business

Superannuation can be a complicated topic especially when you are trying to run a business. These guides have been developed to provide some support:

 

View all resources

Business Super Profile

Answer a few simple questions to help you work out your business super obligations and if you’re looking after your people correctly.

It only takes about 5 minutes.

 

Get started

More from BT Super

Webinar: Super changes and what they mean for employers

This webinar is designed to help you prepare for the upcoming changes to super and understand the impact they’ll have on how you manage your super obligations.

If you missed our live webinar, you can watch the recording here.

Watch the recording

Wellbeing for business owners

For small to medium business owners, investing in your own wellbeing can be just as important as investing in your business.  Look after your wellbeing with free access to MyWellbeing for BT Super employers.

Learn more

Frequently asked questions (FAQs)

If you are a sole trader or work in a partnership, you generally don’t have to make super payments to yourself. However, you may wish to make personal contributions to a superannuation fund to save for your retirement, in which case you may be able to claim a tax deduction against your contributions. Find out more on the ATO Working out if you have to pay super page.

Whether an employee is full time, part time or casual, if you pay them $450 or more (before tax) in a calendar month, you have to pay super (currently at least 10% of ordinary time earnings) on top of their wages. However, there are some exceptions. Find out more on the ATO Working out if you have to pay super page.

The basics are:

  • If you are a sole trader or part of a partnership, you do not have to pay yourself super – though you may wish to make tax-deductible personal contributions to a superannuation fund to save for your retirement.
  • If you pay a full-time, part-time or casual employee $450 or more (before tax) in a calendar month, you have to pay super (currently at least 10% of ordinary time earnings) on top of their wages.

Find out more on the ATO Super for employers page.

It’s important you get this right, and a good place to start could be to complete your Business Super Profile.  It can help you understand your business super for employees obligations, by using the online tool to answers a few simple questions about your business.

Things you should know

Product Disclosure Statement

Super Guide

Investment Guide

Insurance Guide

This information was prepared by BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724, RSE No. L0001090 (BTFM) and is current as at June 2021. The information provided is general in nature and does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness and read the disclosure documents before making any decision. This document provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such.

BTFM is the trustee and issuer interests in of BT Super, which forms part of Retirement Wrap ABN 39 827 542 991, of which BTFM is trustee. A Product Disclosure Statement (PDS) is available for BT Super and can be obtained on this page or by calling BT Customer Relations on 132 135. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of BT Super. Insurance offered through BT Super is issued by AIA Australia Limited (AIA) ABN 79 004 837 861, AFSL No. 230043.

BTFM is a subsidiary of Westpac Banking Corporation ABN 33 007 457 141 (Westpac or the Bank). An investment in BT Super is not an investment in, a deposit with or any other liability of Westpac or any other company in the Westpac Group. It is subject to investment risk, including possible delays in the payment of benefits and possible loss of amounts invested.

Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of BT Super.

Please read the Financial Services Guides for BTFM and Westpac or obtain a copy by calling 132 135, visiting bt.com.au or from any Westpac branch before proceeding. If you would prefer another way of receiving the Financial Services Guide (such as in hardcopy), please let us know.