Suncorp Brighter Super

Join the thousands of Australians in the award-winning Brighter Super today. Join today and start building a brighter tomorrow.

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Why choose Suncorp Brighter Super?

Top performer*

The Suncorp Multi-Manager Growth Fund investment option in Suncorp Brighter Super^ has delivered an annualised return of 9.38% p.a. over the last 5 years to 31/03/2022.

Transparent fees

Transparent fee structure based on your account balance & investment type, including no investment switching or advice fees.

Comprehensive insurance

Insurance from a trusted brand. Adjust your insurance to suit your needs with a range of insurance available.

Flexible investment options

Choose your own investments or relax and let us do the work for you!

Make sure you check returns for other periods, and consider other investment options, fees and insurance before you decide to join.
We’ve also included important information about our returns below.

How do we invest your money?

Choose to be as involved or as hands-off as suits. Or want a bit of both? We can do that too!

Choose your own mix

For those who prefer to be more hands-on in their investment strategy.

Investment fee1,2
From 0.19% pa to 1.18% pa depending on the investment option you choose.

Administration fee1,2

  • Suncorp Cash Fund - Nil
  • Other options - 0.65% pa less any applicable administration fee discounts.

Buy-sell spread3
From 0% to +/- 0.30%

Indirect cost ratio4
From 0% to 0.20% pa

Switching fee

  • Choose from a range of Australian and international investments across a broad range of multi-sector and single-sector asset classes.
  • Change as often as you like, we don't charge switching fees, although there may be a buy/sell spread incurred (refer to the PDS (PDF) and Product Guide (PDF) for detail regarding fees and costs).

We do the work for you

For those who prefer to be more hands-off so they can get on with other things.

Investment fee1,2
0.31% pa

Administration fee1,2
0.54% pa

Buy-sell spread3
+0.09% / -0.08%

Indirect cost ratio4
From 0.04% pa to 0.06% pa

Switching fee

  • Our lifestage investment strategy allocates a diversified investment mix based on age and automatically changes your investment mix over time to suit your changing needs and risk appetite.

Managing your account

Manage your investments and monitor your balance 24/7 from within your online account.



to the member portal here.


Navigate to ‘Investments’

located under the navigation item ‘Grow my Super’


Scroll down

and select ‘Change my investments’


Select your preferred

partial or full investment switch and preferred investment option

Compare the performance of our investment options

The fee information above is a summary of some fees and costs for a super account in Brighter Super. Not all fees are included. Learn more about fees and costs (including for pension accounts) in the Product Disclosure Statement (PDF) and Product Guide (PDF)

Insurance from a brand you can trust

Life Cover

Generally, a lump sum benefit, that is paid if you die (or earlier if you become ‘terminally ill'). Receive up to a maximum insured amount of $5 million (including a maximum of $3 million for terminal illness cover).

Total & Permanent Disablement cover

A lump sum benefit is paid if you become ‘totally and permanently disabled’. Receive up to a maximum insured amount of $3 million.

Income Protection cover

A monthly benefit is paid if you become ‘totally disabled’ or ‘partially disabled’.  Receive up to 75% of your salary plus optional super contributions of up to 10% of your salary, up to a maximum insured amount of $25,000 a month. A two year benefit period and a 30 day waiting period apply to this cover.

Manage your insurance online

Log in to your online account to check you have the cover you need, apply to increase, reduce or cancel your insurance cover.

Security and Convenience

Manage your super on the go

Already a Suncorp Bank customer? Enjoy the ease & convenience of seeing your super right beside your banking!

  • Local support on hand to help you maximise your super
  • Be kept up to date & receive helpful tools & tips
  • Keep an eye on your super & manage it real time

Download on the Apple App Store  Get it on Google Play

Superannuation balance in the Suncorp app

After further detail?

Download our Product Information Documents or see our Super FAQs or all documents & forms.

Things you should know

* Past performance is not a reliable indicator of future performance. Ranking and investment performance based on SuperRatings’ SR50 Balanced (60 -76) Index ranking superannuation fund investment option performances over rolling 5 years to 31 March 2022. Source: SuperRatings Fund Crediting Rate Survey 31 March 2022 (SuperRatings Survey) which is not publicly available. Investment options compared in the SuperRatings Survey are diversified fund options with a growth assets ratio between 60% and 76%. SuperRatings ranks superannuation investment option performances over one month, one quarter, financial year to date and rolling 1, 3, 5, 7, 10, 15 and 20 years. Funds compared are not necessarily representative of Suncorp’s performance against the entire market. Investment performance is calculated as investment returns net of taxes, investment fees and implicit asset-based administration fees but excludes other fees or costs you may incur as a member, such as fixed dollar administration fees and switching fees. This has been done for comparative purposes with the SuperRatings indices. When calculating investment performance, contributions taxes and any discretionary ongoing fees such as insurance fees and personal advice fees or other arrangements you may have in place with your advisor are not taken into account. SuperRatings’ data is sourced directly from participating superannuation funds, as well as through publicly available sources.

^ The Suncorp Multi-Manager Growth Fund is an investment option available in Suncorp Brighter Super, which is issued by SPSL Limited ABN 61 063 427 958 AFSL 237905 RSE licence number L0002059 (the Trustee), trustee for the SPSL Master Trust ABN 98 350 952 022, RSE Fund Registration No. R1056655 (the Fund). The Trustee is wholly owned by LGIAsuper Trustee as trustee for LGIAsuper (LGIAsuper) and is not part of the Suncorp Group. The Trustee uses the ‘Suncorp’ brand under licence. Suncorp Super products are not bank deposits or bank liabilities and are subject to investment risk, including loss of the interest and principal invested. The obligations of the Trustee aren't guaranteed by any company within the Suncorp Group or the LGIAsuper Group, nor do either Group guarantee the performance of Suncorp Super products. It is a high growth/high risk investment option managed by Morningstar Investment Management Australia Limited ABN 54 071 808 501 (Morningstar) which is not part of the Suncorp Group or the LGIAsuper Group. The Growth Fund option has a high risk of negative annual returns over any 20-year period. The recommended minimum length of time to invest in the Fund is 10 years. Before making any decision to acquire or continue to hold Brighter Super, invest in or switch into any investment option including the Fund, please read the relevant Brighter Super Product Disclosure Statement (PDF, 118KB) and Product Guide (PDF, 452KB) for further details about investment options including applicable fees, and speak to a financial adviser.

The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement, and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit for ratings information and to access the full report. © 2022 SuperRatings. All rights reserved.

1. We receive a tax deduction for expenses related to administration and investment fees. As a result, the actual administration and investment fees you pay in Brighter Super will be reduced by up to 15%.

2. The percentage administration and investment fees have been rounded to 2 decimal places.

3. The range shown here is based on the latest information available to us. The buy-sell spread can change at any time and may exceed the maximum amount shown.

4. Costs are variable and may be more or less than the estimated amounts shown, which are based on the known actual or estimated costs incurred for the last financial year. Past costs are not a reliable indicator of future costs.