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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

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.


If your employee earns $450 or more (before tax) in a calendar month, you are required to pay them super in addition to their wages. Eligible workers include:

  • full-time, part-time and casual staff,
  • temporary residents such as backpackers,
  • family members (if they are eligible),
  • company directors,
  • those already receiving a pension, and
  • in some circumstances, contractors.

More detailed information is available on the Working out if you have to pay super page of the Australian Taxation Office (ATO) website. You may also wish to use our Business Super Profile tool to check if you are on track with your super obligations.

You may not have to pay su­per for em­ploy­ees who are:

  • aged 18 or over and earn less than $450 be­fore tax in a cal­en­dar month (you need to pay SG for any month the em­ployee earns $450 or more)
  • un­der 18 and work­ing 30 hours or less per week
  • non-res­i­dents com­plet­ing work out­side of Aus­tralia
  • on paid parental leave
  • re­ceiv­ing pay­ments un­der the Com­mu­nity De­vel­op­ment Em­ploy­ment Pro­gram.

For more in­for­ma­tion on which em­ploy­ees you need to pay su­per for, visit the ATO web­site.

Your employees can generally choose their own super fund for their Super Guarantee (SG) contributions to be paid into.

If you don’t meet your SG oblig­a­tions you will be re­quired to lodge a Su­per­an­nu­a­tion guar­an­tee charge state­ment – quar­terly form and pay a Su­per­an­nu­a­tion Guar­an­tee Charge (SGC) to the ATO.  You may also lose the tax de­duc­tions you would usu­ally be able to claim for mak­ing su­per con­tri­bu­tions.

You will gen­er­ally have to pay the SGC if you:

  • don’t pay enough SG for your em­ployee
  • don’t pay SG con­tri­bu­tions by the quar­terly cut-off date
  • don’t pay SG to your em­ploy­ee’s cho­sen su­per fund.

If you have paid SG con­tri­bu­tions for your em­ploy­ees af­ter the cut-off date you may be able to use the late pay­ment as an off­set to re­duce the amount of SGC you have to pay.

For more in­for­ma­tion about your SG oblig­a­tions, visit and search ‘em­ploy­ers su­per’.

Generally, the super you pay staff must be at least 10% of their ‘ordinary time earnings’ (which include commissions, allowances and bonuses). Set by the Government, this amount is called the ‘Super Guarantee’.

You can pay staff a higher percentage as part of their salary package if you wish, but there are limits to how much they can receive before they are required to pay higher tax on their contributions.

The ATO has a handy Super Guarantee Contributions Calculator that may help you work out what to pay.

There is a quarterly maximum limit to how much Super Guarantee you are required to pay each employee, though they would need to be earning more than $220K in a financial year for this to be a consideration. Check the ATO website for the current maximum super contribution.

Some of the factors to compare when selecting a default super fund include.

  • Investment performance: Performance over the past five to ten years
  • Fees: Administration, investment, advice, switching and buy/sell spread
  • Insurance: Cover offered by the fund and the cost
  • Investment options
  • Extra services available from the fund: Such as financial advice, educational seminars, and local representatives.

You can pay super monthly – and some super funds require this frequency. But the minimum frequency is quarterly, and your business may face penalties if you miss these cut-off dates.

Earnings received: Pay super by:
1 Jul - 30 Sept 28 Oct
1 Oct - 31 Dec 28 Jan
1 Jan - 31 Mar 28 April
1 Apr - 30 Jun 28 Jul

Your staff members can choose to have super contributions paid into a superannuation fund that they nominate or into a superannuation fund that you nominate (if they can’t or don’t choose their own fund). This is known as an ‘employer-nominated fund’ and must comply with certain requirements under the Government’s ‘MySuper’ initiative.

MySuper products – which include our own BT Super fund – are intended to be simple, low cost, and easy to compare. You can register for BT Super online in about five minutes.

Once you have chosen an employer-nominated fund, you should include its details in the ‘Standard Choice form’ you are required to give your employees.

The government requires you to send contribution payments and data electronically in a standard format called ‘SuperStream’. Your employer-nominated fund may offer an online portal or ‘super clearing house’ to comply with this requirement, and some payroll systems (such as MYOB and Xero) incorporate the service.

If in any doubt about how to comply with your super obligations and/or make payments, visit the Employers section of the ATO’s SuperStream web pages.

There are three different ways to make contributions through Quicksuper:

  1. Contribute using an online e-form - This option suits employers making contributions for less than 40 members. Simply enter the contribution amounts in the screen next to the name of your employee.
  2. Contribute using the standard QuickSuper file - This option is best suited if you have more than 40 employees that are members of your BT Super plan as you can upload payment details from your existing systems into a spreadsheet.
  3. Use your own payroll file - If you have your own payroll system, you can use it to upload contributions. You will need to register your payroll file with QuickSuper if you have not previously done so, or if your payroll file has changed since you last registered it with QuickSuper.

Generally, you may claim a 100% tax deduction for super contributions made on behalf of your 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.

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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.