Best Superannuation accounts for 2026
7 AU providers compared side by side — with a live cost calculator, independent scores, pros and cons, and a quick match finder.
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Business banking, compared
7 US providers · ranked live by real data · hands-on reviews
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Foreign spend / mo$500
ATM withdrawals / mo4
7 providers
Aware Super VerifiedEditor's pick
Back-to-back SuperRatings Fund of the Year, 2025 and 2026
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SuperRatings Fund of the Year 2025 & 2026Falling admin fees into 20268.83% p.a. 10-yr return (High Growth)
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
The only fund in this comparison named SuperRatings Fund of the Year in both 2025 and 2026
Strong 10-year return on its default High Growth lifecycle stage (8.83% p.a. to 30 June 2025)
Admin fees falling into 2026 (cut to 0.16% from 1 May 2026) — rare among peers
Lifecycle default means younger/older members sit in different stages with different fee/return profiles
Fee example figure sits close to the industry median, not the outright cheapest
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Australian Retirement Trust VerifiedBest value
Below-median fees with multiple 2025/26 awards
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SuperRatings MySuper of the Year 2025Canstar Outstanding Value, 2nd year running8.69% p.a. 10-yr return
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Below-median fee on the $50,000 benchmark, backed by multiple 2025/26 awards (SuperRatings MySuper of the Year 2025, Money magazine Best MySuper Lifecycle Product 2026)
Strong 10-year return (8.69% p.a. to 30 June 2025)
Australia's 2nd-largest fund, ~2.4 million members
Recently absorbed the Qantas Super merger (March 2025) — an operational integration to be aware of, not a compliance issue
Lifecycle-based default makes a single return figure only an approximation for any individual member
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Hostplus VerifiedBest long-term performance
#1-ranked long-term MySuper performance by SuperRatings
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#1 SuperRatings 10/15/20-yr MySuper performanceMoney magazine Best Super Fund 20268.32% p.a. 10-yr return
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
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SuperRatings ranks Hostplus #1 for MySuper performance over 10, 15 AND 20 years to 30 June 2025
Money magazine named it Best Super Fund 2026 overall
Canstar Outstanding Value Award, 9th consecutive year
Higher total fee load than peers once performance fees are included (~1.14% vs ~0.7% industry-fund norm)
Member/AUM figures varied across sources at research time — confirm against the fund's latest factsheet
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UniSuper Verified
SuperRatings Fund of the Year 2026, majority in-house managed
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SuperRatings Fund of the Year 2026Below-median fee ($406 on $50k)>70% of assets managed in-house
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
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SuperRatings named UniSuper Fund of the Year 2026 (and Retirement Offering of the Year 2025)
Below-median fee relative to the ~$467 industry median
Over 70% of assets managed in-house, an unusual structural strength
A severe April 2024 cloud-infrastructure misconfiguration by Google Cloud deleted UniSuper's private-cloud subscription, locking 620,000+ members out of online accounts for over a week (resolved, disclosed for transparency)
Investment fee % not cleanly isolated from admin fee in available sources at research time
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HESTA Verified
Consecutive SuperRatings Net Benefit Awards, health & community-services focus
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SuperRatings Net Benefit Award 2025 & 2026Chant West 5 Apples 2025Low $52/yr flat admin fee
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
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SuperRatings Net Benefit Award winner in both 2025 and 2026 (best net-benefit outcomes to members)
Chant West Specialist Fund of the Year 2025 (5 Apples rating), SuperRatings Platinum
One of the lowest flat admin fees in this comparison ($52/yr)
10-year return (7.40-7.64% p.a.) trails the top performers in this comparison (AustralianSuper, ART, Hostplus, Aware all above 7.9-8.8%)
Some fee-page content required a re-fetch to reconcile during research — recommend a final spot-check against the PDS
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Rest Super Verified
Large-scale fund with transparent MySuper dashboard fee reporting
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~2 million membersTransparent MySuper Product DashboardRetail/hospitality-sector heritage
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
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Large scale (~2 million members) with broad relevance beyond its retail-sector origins
Publishes a transparent MySuper Product Dashboard fee breakdown
Age-based lifecycle default (Core Strategy) tailors growth exposure to member age
Lowest 10-year return of the 7 funds researched (6.56% p.a. to 30 June 2025)
No major 2025/2026 "fund of the year"-tier award found at research time
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AustralianSuper Verified
Australia's largest fund — with an active ASIC case disclosed
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Australia's largest fund, 3.6M+ members15 consecutive years Canstar value award⚠ Active ASIC Federal Court case — see detail
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Australia's largest fund by both members (3.6M+) and assets (A$410bn+), with the lowest relative fee among the largest-scale funds
Strong 10-year return (7.94% p.a. to 30 June 2025)
Canstar Outstanding Value Award, 15th consecutive year — the longest streak in this comparison
Active, unresolved ASIC Federal Court case alleging failures processing ~6,897 death benefit claims (some delayed up to 1,140 days) — no penalty determined as of this page's last verification
The only fund among several targeted in an April 2025 credential-stuffing attack with a confirmed member financial loss (A$500,000 across 4 members, one losing A$406,000)
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