
Super. Put it right under your nose.
Why BT Super for Life?
Super you can see
10% of your hard earned salary is super. So keep track of it next to your other accounts in Westpac Online Banking.
Super sized to fit
Choose where your superannuation is invested or let us adjust your investments mix to suit your age.
Sustainable super
Choose investment options recognised by SuperRatings in 2020 for their responsibility to the planet.
Super that skips the exam
Give the medical exam a miss but still enjoy in-built insurance1 (for eligible members only).
A super account for every stage of your life
How to get started
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
Set up an account in 5 minutes
It's even easier when you sign into Westpac Online Banking
Frequently asked questions (FAQs)
If you're working and saving for retirement, a BT Super for Life account allows you or your employer to add money to your superannuation with ease. A BT Super for Life account can be held by anyone old enough to access Online Banking. There is no maximum age; however conditions regarding contributions apply from the age of 67.
Learn more about super

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.
General Advice Warning:
This information does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness, having regard to these factors before acting on it. You should obtain and consider the PDS before deciding whether to acquire a BT Super Product by calling 132 135 or visiting bt.com.au. You may wish to seek personal advice from a financial adviser (noting that the adviser would require much more information from you and would likely charge a fee for the service).
Things you should know:
Super for Life Product Disclosure Statement
Super for Life Financial Services Guide
BT Super for Life Additional Information Booklet
BT Super for Life - Super Target Market Determination
BT Super for Life – Transition to Retirement (TTR) Target Market Determination
BT Super for Life – Retirement Target Market Determination
1 You receive standard insurance cover for Death and Total & Permanent Disablement (TPD), without the need for a medical assessment, when you open a BT Super for Life – Super account (subject to eligibility criteria and you having money in your account). Cover is subject to a pre-existing conditions exclusion. Other exclusions may also apply. Please refer to the Additional Information Booklet (part of the PDS) for more information about ‘What exclusions apply to Standard Cover'. If you want to apply for additional insurance cover, including Salary Continuance Insurance (SCI) cover, call BT on 1300 653 553.
2 The fees and costs payable depend on the investment option you choose – refer to the Additional Information Booklet for further information.
3 The Administration fee for the Cash investment option is currently $4.66 per month + 0.19% pa. – refer to the Additional Information Booklet for further information.
4 Estimated indirect costs above include an estimated Regulatory Change Expence Recovery of 0.01% pa, estimated performance-related fees of 0.05% pa and estimated other indirect costs of 0.12% pa. Please see 'Performance-related fees' in the Additional Information Booklet for more information.
5 Eligible members will need to have an account balance over $6,000 and will need to be 25 years or older.
BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the trustee of BT Super for Life which is part of Retirement Wrap ABN 39 827 542 991 (BT Super Products).
Any taxation position described is based on current tax laws and should only be used as a guide. Your individual situation may differ and you should seek independent professional tax advice.)
Westpac SuperCheck involves a search for superannuation being undertaken by BTFM.
BTFM is a subsidiary of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac, St.George Bank, BankSA or Bank of Melbourne (which are Divisions of Westpac), or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of an investment with BTFM.
Before requesting a rollover, you should consider where your future employer contributions will be paid (if your employer contributions are currently being paid to another fund) and check with your fund(s) to determine whether there are any fees for moving your benefit, or other loss of benefits (e.g. insurance cover), noting that you may not receive the same type or level of benefits after the rollover. If you have a pre-existing medical condition you may not receive a benefit for a death or disablement claim. Please check to see if you are covered before submitting your application.
AIA Australia Limited ABN 79 004 837 861 is the issuer of insurance cover offered through BT Super for Life. Further information about the insurance available through BT Super for Life is included in the PDS.
Superannuation is a preserved asset subject to conditions of release. You will need to satisfy a condition of release to access these funds. Information current as at 1 March 2022.