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Investments & Super

Take control of your future to ensure you are comfortable now and in retirement. Choose an investment strategy that works for you.

Share trading with directshares

Trade through the bank you trust

  • Value for money - open a directshares account before 31 December 2017 and we'll give you your first 10 trades free to get you going with a head start
  • Investment tools - extensive range of investment tools, including independent research and timely stock tips
  • Help and guidance - free, detailed 'how to trade' guidance on our Investor website.


BankSA and BT have teamed up to give you access to your bank accounts and super together online.

  • Super made super easy - manage your super together with your Internet Banking
  • Low fees - no commissions, withdrawal or contribution fees
  • Flexible investment options - easy to choose an investment option that suits you and your lifestyle
  • Pre-approved life insurance cover with no forms or medicals to complete~

Term Deposits

Enjoy the certainty of knowing your investment return.

  • Earn a competitive interest rate with no setup or monthly fees
  • Flexible maturity options from 1 month to 5 years
  • Interest calculated daily and can be paid at maturity, annually, half-yearly or monthly
  • Access and manage your funds via Online and Mobile Banking.

Important information

BT Funds Management Limited (ABN 63 002 916 458) is the trustee of BT Super for Life which is a part of Retirement Wrap (ABN 39 827 542 991) and is the issuer of interests in BT Super for Life. You can download a Product Disclosure Statement (PDS), or obtain a copy by calling 1300 653 553 or visit any BankSA branch. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super for Life.

An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141, St.George Bank or BankSA (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. Neither Westpac nor any other company in the Westpac Group has issued, stands behind or otherwise guarantees the capital value or investment performance of BT Super for Life.

© 2015 the directshares service is provided by Share Investing Limited ABN 93 078 174 973 AFSL 238277, an ASX and Chi-X Australia Market Participant, at the request of St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 (“St.George”). Execution, settlement and clearing is undertaken by Share Investing Limited. St.George does not represent Share Investing Limited. Similarly Share Investing Limited does not represent St.George.

* The $19.95 brokerage rate will apply for the 1st online trade up to $5,000 and each subsequent online trade up to or equal to $18,000 for that calendar month. For full details, visit rates and fees.

^ Conditions Apply. See below for details:

1. Offer applies to new directshares customers who open a directshares account via the 'Apply now' button on this page between 1 January 2016 and 31 December 2017.

2. Offer only open to residents of Australia and New Zealand.

3. Offer is not available to employees of the Westpac Group or Share Investing Limited or their immediate families.

4. Offer is not valid in conjunction with any other offer.

5. Free brokerage is up to the value of $500 (incl. GST) (the "Offer Value"). The first $50 (including GST) of brokerage on each contract note will be waived, for your first 10 online share or ETF trades made within 30 days of your account being opened, up to a total value of $500 (including GST). Where your trade value is over $45,454, the first $50 brokerage (including GST) will be waived; you will have to pay the additional brokerage at directshares' standard rates.

6. The offer only applies to ASX-listed equities conducted online through the directshares service, but excludes options, warrants and managed funds.

7. The directshares SharePack is not included in the offer.

8. The offer does not apply to trades that will settle through a margin loan account.

9. The offer does not apply upon failure to settle any trade.

10. We reserve the right to terminate this offer at any time.

11. We reserve the right to amend these terms and conditions at any time.

This information has been prepared without taking into account your objectives, financial situation and needs. Because of this, you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs.

More on award winning performance

+ Advance Asset Management manages the BT Super for Life Lifestage funds and is Money magazine's Best Fund Manager for 2012 and 2013. This information may contain material provided directly by third parties. While such material is published with necessary permission, neither Westpac Banking Corporation nor any related entity accepts responsibility for the accuracy or completeness of, or endorses any such material. Except where contrary to law, Westpac Banking Corporation and its related entities intend by this notice to exclude liability for this material.

# 1950/1970 Lifestage funds: SuperRatings Fund Crediting Rate Survey, June 2013, p8. 1960's Lifestage fund: Chant West Media Release 22 July 2013.

More on Life Insurance

~ An exclusion applies for any claim related to a pre-existing medical condition you have when you open your BT Super for Life account.

More on Term Deposits

Special rates will apply for a single term. Standard Term Deposit rates may apply for any subsequent term. Special rates are not available for corporate, institutional or government. Before making a decision, it's best to read the terms and conditions and important information document

Please read these documents and keep a copy. You can request a paper copy at your local branch.

The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 13 76.