Open an account: BT Super for Life - Savings

This will take less than 5 minutes
Please be aware: The person submitting this application must be the proposed account holder named in this application. If you need to set up an account for a person other than yourself please contact us on 1300 653 553. All fields are mandatory unless marked otherwise.

Where do you live?

Mailing Address

Please enter your mailing address or Post Office box details

Your TFN is required to open a BT Super for Life Savings account.
Before providing your TFN, please read this important information.

Don't know your TFN? Call the Australian Taxation Office (ATO) on 13 28 61.

We can assist you with directing your employer contributions into your BT Super for Life account.

Please enter your employer's details

If we are unable to contact your employer using the above details we will send you a Super choice form to provide your employer.

We can invest your super for you, based on your age and automatically adjust it to be more conservative as you get older. Or, you can choose your own investment mix.

Option 1 - Let us invest your super based on your age

A Lifestage Fund is a well-diversified portfolio of assets designed and managed according to your age. Over time the fund will gradually shift to a more conservative asset mix. It generally does this by decreasing its allocation to growth assets and increasing its allocation to conservative assets.

Your lifestage fund is not yet known

Option 2 - Choose your own investment mix from these BT Super for life funds

Just enter the percentage of your investment you wish to allocate against the following funds. You can change your selection later via Online Banking.

Fund Allocation
Lifestages Fund The default fund for your life stage. Fund factsheet %
APN AREIT Fund factsheet%
Active Australian Shares Fund factsheet%
Active Balanced Fund factsheet%
Active Defensive Fund factsheet%
Active Global Fixed Interest Fund factsheet%
Active Global Property Fund factsheet%
Active Growth Fund factsheet%
Active High Growth Fund factsheet%
Active International Shares Fund factsheet%
Active Moderate Fund factsheet%
Antipodes Global Fund factsheet%
Cash Fund factsheet%
Fidelity Australian Shares Fund factsheet%
Franklin Templeton Multisector Bonds Fund factsheet%
Index Australian Fixed Interest Fund factsheet%
Index Australian Shares Fund factsheet%
Index Balanced Fund factsheet%
Index Defensive Fund factsheet%
Index Growth Fund factsheet%
Index High Growth Fund factsheet%
Index International Fixed Interest Fund factsheet%
Index International Shares Fund factsheet%
Index Moderate Fund factsheet%
Index Property Securities Fund factsheet%
Magellan Global Shares Fund factsheet%
Nikko AM Value Australian Shares Fund factsheet%
PIMCO International Bonds Fund factsheet%
Pendal Australian Bonds Fund factsheet%
Pendal Australian Property Securities Fund factsheet%
Pendal Core Australian Shares Fund factsheet%
Pendal Global Property Securities Fund factsheet%
Pendal Growth Shares Fund factsheet%
Pendal Sustainable Balanced Fund factsheet%
Pendal Sustainable Conservative Fund factsheet%
Pendal Technology Fund factsheet%
RARE Infrastructure Value (Unhedged) Fund factsheet%
T. Rowe Price Global Shares Fund factsheet%
UBS Australian Bonds Fund factsheet%
Total %

(Total must equal 100%)

Insurance options will be displayed after entering your personal details.

If you see this message then insurance premiums have not been correctly calculated. Please ensure you have entered your date of birth and gender in section 1 above to proceed. The form will not submit a valid application without this information. If you see this message after entering this information your browser is not compatible with this form, please try another browser or device.

Your super does not include insurance

Insurance is not available to you based on your age.

You will automatically receive insurance cover with your account without the need to complete medical checks, and are pre-approved for the amount and type of cover below.

Cover for a is:

Types of insurance:

Monthly premium:

This estimate is correct as at today's date, but may change in the future when your cover commences.

When does my cover start?

Your cover will start when your balance reaches $6,000 for the first time and you have turned 25.

You also have the option to opt-in to have your Standard cover commence as soon as your account is funded by completing the Insurance Opt-In Nomination form, which will be sent to you as part of your Welcome Pack. You will need to return this form to us within 30 days from the date of your Welcome Pack to opt-in.

Exclusions from your cover

Your cover is subject to certain exclusions and pre-existing conditions. If you do not understand these exclusions, please call us on 1300 653 553 between 8.00am and 6.30pm (Sydney time) Monday to Friday before continuing this application.

Once your account is open you have the option of cancelling your cover by calling 1300 653 553.


  • Monthly premiums are calculated at time of application and subject to change. Monthly premiums are re-calculated 1 July each year
  • No paperwork or medical examination required
  • Insurance premium payments made from your super balance, so you don't have any out of pocket expenses
  • There are certain events you are not covered for and you should understand that pre-existing conditions are excluded from cover
  • The level of cover and premiums adjust automatically, based on your age.
  • If you become eligible to receive an insurance benefit this will generally be paid into your BT Super for Life account and the Trustee will pay the benefit to you provided you meet the conditions for release under the relevant trust deed and Australian legislation
  • To access insurance benefits payable under your cover, you will be required to meet a condition of release under super law
  • For more information, see the BT Super for Life Product Disclosure Statement.

Please read the below important information about your BT Super for Life account to proceed.

Submitting your application, please wait...