As a fund built to benefit members, Cbus works to keep all fees and costs as low as possible.

Superannuation fees and charges

The fees and charges to your account will include:

  • your investment options
  • your individual insurance cover
  • your administration fees.
Type of fee Amount How and when paid
Administration fee1

Account keeping fee of $2.00 per week


0.19% of your account balance a year – up to a maximum of $1,000 a year2

Deducted from your account at the end of each month or when you close your account.
Investment fee1,3

The investment fee varies for each investment option.

See section below ‘What it costs to manage your investment option’.

For standard Cbus investment options, it is deducted from the investment returns before the crediting rate is applied to your account.

For the Cbus Self Managed investment option, it is deducted directly from your transaction account.

1If your account balance for a product is less than $6,000 at the end of the financial year, the total combined amount of administration fees, investment fees and indirect costs charged to you is capped at 3% of your account balance. Any amount charged above this cap will be refunded to you.

2The percentage-based administration fee cap of $1,000 a year was introduced on 1 February 2020.

3Fees deducted from the crediting rate are estimates based on the actual fees from the 2019/20 financial year. The fees usually change from year to year and are different for each investment option. The actual fee will be determined at the end of the financial year and published in your 30 June statement.


Investment option Investment fees for 2020/21
High Growth 0.66%
Growth (MySuper) 0.56%
Conservative Growth 0.41%
Conservative  0.29%
Cash 0.08%

What we don't charge fees for


Type of fee Amount
Buy/sell spread Nil
Switching fee Nil
Indirect cost ratio Nil

Cbus Advice Services

As part of your Cbus membership, you have access to our team of financial advisers at no additional cost. Cbus Advice Services can provide you with advice over the phone about:

  • our range of super products
  • choosing an investment option that’s right for you
  • contribution strategies including salary sacrifice and personal contributions
  • nominating beneficiaries
  • planning the best ways to maximise your super for retirement
  • more information and assistance regarding the insurances available through Cbus.

Some other fees you may incur

Insurance premiums

When you join Cbus Industry Super, most members qualify for our default level of Death and Total and Permanent Disablement (TPD) cover. The cost of insurance is paid direct from your super account and will depend on your age, occupation and the amount of cover you have. Visit our insurance page for more detailed information on the types of cover available.

How does your super compare?

Compare us to the retail super funds average performance, you could be better off with us.

Compare us

As at June 2021. Based on an income of $80,000 and a starting super balance of $50,000 modelled by SuperRatings. Full assumptions available on SuperCalculator.

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Together, let's build a better future

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9.25% average annual return

Over the last 37 years for the Growth (MySuper) option.

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Creating Jobs

Determined to be part of the road to economic recovery in Australia.

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Insurance Cover

Choose the level of  insurance cover that is right for you.

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