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Why BT Super for your business

  • Fee-free super for employers
    Set up a default super plan for your business online in minutes – at no cost to your business.
  • Business compliance covered
    Keep your business compliant with a default super fund that meets government regulations. 
  • Admin made easy
    Pay employee super contributions quickly and easily using our QuickSuper clearing house.
  • Help when you need it
    Our dedicated business super team is here to help you with your super queries.  

Employer super obligations

As an employer, you’re required to make Superannuation Guarantee (SG) contributions for your eligible employees into a complying super fund or retirement savings account (RSA) at least four times a year.

Employees can choose their own super fund, but if they don’t, you must contact the Australian Taxation Office (ATO) to see if the employee has an existing super fund – their ‘stapled’ fund. If they do, you must make payments to this account.

If the new employee doesn’t have a 'stapled' fund and doesn’t choose a fund, then you must create a new account with your nominated default super fund.

Are you meeting your business super obligations?

Paying the right people and the right amount of super are just two of the things you should be doing as an employer when it comes to super. Do you know the other six? To find out if you’re meeting your business super obligations, answer a few questions using our Business Super Profile tool.

Try the Business Super Profile tool

Super that has your employees covered

Super you can see

Your employees can keep track of their superannuation via the award-winning BT Panorama platform*. Westpac customers can see it along with their other accounts in Westpac Online Banking.

Flexible investment options

Your employees can choose where their superannuation is invested or let us adjust their investments mix to suit their age. Read more in our Investment Guide.

Insurance you can count on

BT's award-winning insurer AIA is committed to helping your employees return to wellness as soon as possible. Read more in our Insurance Guide.

Help for your people

Your employees can get access to financial, physical and mental health support with our My Wellbeing online portal.

The details

No fees for employers

You won’t pay any set-up or ongoing fees for your BT Super employer plan, including access to the QuickSuper payments portal.


If your employees are BT Super members, they will pay the fees and costs depending on the investment option they choose. You can refer to the Product Disclosure Statement (PDS) for more information.

How to get started

Step 1

Sign up for an account

Complete our online application form to register. You’ll need your ABN and company details.  Once your BT Super employer plan is set up, we’ll send your employer number and plan details to you. It takes 5 minutes – even quicker if you sign into Westpac Online Banking. 

Step 2

Tell your employees

We’ll provide you with a flyer and email templates to share with your employees which will explain the key benefits and features of BT Super.

Tell your employees about your BT Super plan using these key resources.

Step 3

Manage your plan

You can use QuickSuper to add employees to your plan and pay super contributions for all your employees – no matter which fund they belong to. You can also use your payroll tool or clearing house.

Annual Performance Assessment

It is important to note that BT’s MySuper Lifestage investment options failed the Government's 2021 annual performance assessment. Learn about what BT is doing in response.

Get started

Sign up for BT Super in 5 minutes

It’s even easier when you sign into Westpac Online Banking.

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, watch the video to catch up.

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.


Super Guarantee (SG) is the term for the mandatory super contributions employers must make on behalf of their eligible employees.

Annual Performance Assessment

It is important to note that BT’s MySuper Lifestage investment options failed the Government's 2021 annual performance assessment. Learn about what BT is doing in response.

BT Westpac logo

Westpac and BT – we’re here to help

As part of our Group and one of Australia’s leading wealth experts, BT has been helping Australians build and protect their wealth since 1969.


Through BT, you can access a range of solutions across super, investments and insurance, to help you plan for today and tomorrow. 

Things you should know


* BT Panorama won ‘Best Technology Offering’ at the Conexus Financial Superannuation Awards, 2017, 2018 and 2019. The awards recognise excellence in the superannuation industry and an independent committee selects the winners. Awards are opinions only, are not recommendations and are only one factor to be taken into account when deciding to acquire, dispose or hold interests in a BT Panorama Investments account. Awards and ratings are current at the time of publication but are subject to change.


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 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.