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SMSF Headline Fees May Not Tell the Full Story

When comparing SMSF providers, it is helpful to look beyond the headline fee. Low fees matter - but a more complete comparison looks at the total cost. What’s included, what’s charged as an add-on, and what changes when your fund moves into pension phase or grows in complexity. ESUPERFUND is designed with a low-cost and transparent fee structure that covers many of the services commonly required by SMSF trustees.

Low Annual Fee with No Hidden Cost

The ESUPERFUND Annual Fee is FREE for the first financial year and then  per annum, irrespective of the number of transactions made by your SMSF, the investment types of your SMSF, the size of your SMSF or the number of Members. For more information on our fee schedule, please click here.

Included in Your Annual Fee

Essential services for almost everything you need to run your SMSF are included in your ESUPERFUND Annual Fee.

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    Annual accounting and compliance documentation
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    Audit managed end-to-end (coordinated with an independent auditor on your behalf)
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    Pension establishment and Transfer Balance Account Report (TBAR) lodgement
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    A dedicated ESA that complies with SuperStream requirements

Other Inclusions at No Extra Cost

These services are included for ESUPERFUND clients at no additional charge, while some providers may charge separately for them.

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    SuperStream services included at no extra charge
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    Pension compliance handled without your fee changing (actuarial certificate fee may apply in some cases)
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    Audit Contravention Report (ACR) if required
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    Support and admin queries included
Plus FREE* SMSF Setup + FREE* First Financial Year Annual Fee*
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Tech-led Model

ESUPERFUND is built on in-house systems and a self-service client experience - designed to help keep fees low, improve administrative efficiency, and allow trustees to remain in control.

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Secure Client Portal

Strong account security with encrypted access to all your fund documents and data in the Client Portal.
You stay in charge - ESUPERFUND never accesses your investment platforms.

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Digital Communications

Documents and correspondence are managed securely in your Client Portal. For more information on our data security measures, please click here.

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Integrated Accounting Software

Developed and managed by ESUPERFUND, integrated with the Client Portal - keeping sensitive fund data in-house.

End-to-end Compliance

Every SMSF must complete annual compliance and an independent audit - it's the law.

Annual compliance is included in the ESUPERFUND Annual Fee, so there's no need to engage another accountant for your annual SMSF documentation. The independent annual audit is also included and coordinated on your behalf. For more information on Annual Compliance, please click here.

What to Check When Comparing Providers

Before choosing on price alone, you may wish to consider the following questions:

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SuperStream

Is SuperStream included, or charged as an extra? Do they have a dedicated ESA?

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Compliance Coverage

Are all annual compliance genuinely covered in your fee - or broken into additional chargeable components?

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Hidden Costs

Are exclusions and third-party costs clearly listed upfront?

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Pension Phase

Does the fee stay the same if you start a pension?

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Allowable Investments

Does your annual admin fee stay the same regardless of the type or number of investments your SMSF holds?

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Data Security

Is your sensitive fund data kept within your provider’s own platform - or handled via third-party systems and data storage?

What ESUPERFUND Customers Say

Transparent Fees
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Annual fee is low AND one of the best things is they don't charge for doing extras like interfund transfers, unlike most fund managers.

-- Anthony D, QLD

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Tech-led Simplicity
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Their fees are extremely low, due to their consistent upgrades of their systems... very easy to use.

-- Gerard C, VIC

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Annual Compliance Sorted
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Fees are reasonable, excellent help provided with any super/pension questions. All ATO nonsense is attended to by them including finding suitable auditors.

-- David P, WA

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Set up your SMSF with ESUPERFUND Today!
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* Important Information: When setting up a SMSF it is important to understand that additional fees may apply that must be carefully considered prior to making a decision to setup a SMSF including an for each SMSF. This annual ATO Levy applies to all SMSF's and not just SMSF’s administered by ESUPERFUND. Accordingly the annual ATO Levy cannot be avoided irrespective of which provider you choose to administer your SMSF." >ATO Supervisory Levy, here. For your convenience, if you do not have an existing Company and would like to establish a Company to act as Trustee for your SMSF, ESUPERFUND offers a Company Setup Service as part of its online SMSF application here. The cost of establishing a Company with ESUPERFUND is . In addition where the sole purpose of the company is to act as Trustee for a SMSF (for a 'special purpose') the annual ASIC review fee is reduced to per annum compared to per annum for a company that is not a 'special purpose' company. These fees can be avoided by using Individual Trustees for your SMSF . There is no additional annual fee payable to ESUPERFUND to manage the Company. Please note that you are not obligated to use the ESUPERFUND Company Setup Service and can arrange to setup a Company with any provider desired. The Company details can in turn be entered into our online application when applying for an SMSF here.">Company Trustee Setup Fee (where applicable) , and here. It is important to understand that fees may be incurred when investing your Super Benefit including but not limited to brokerage fees when investing in shares and property purchase costs such as stamp duty and borrowing costs when investing in property. Information about Investment Fees can be typically found by reading the product disclosure statements and terms and conditions of the relevant Investment (where applicable) or by contacting the Product Provider directly." >Investment Fees. Refer to Terms and Conditions for details. The first financial year ESUPERFUND Annual Fee is FREE only if you proceed with setup and activation of your SMSF account.
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ESUPERFUND Pty Ltd as Trustee for ESUPERFUND Trust ABN 37 842 535 715

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General Advice Warning

No Advice Express or Implied: The contents of this website are of a general nature only and have not been prepared to take into account any particular investor's objectives, financial situation or particular needs. ESUPERFUND does not provide financial product advice or recommend any financial products either expressly or implied. ESUPERFUND expressly states that it does not recommend, represent as suitable, or endorse any financial product or service available through ESUPERFUND. This applies equally to those financial products which are established for your SMSF when you become a client of ESUPERFUND. Any information provided in relation to any financial product or service available through ESUPERFUND is factual information only about the operation of the account and how data is made available to ESUPERFUND. Where this website refers to a particular financial product then you should obtain a Product Disclosure Statement (PDS) relating to that product and consider the PDS before making any decision about whether to acquire the product. We also recommend that you should seek professional advice (see below) from a financial adviser before making any decision to purchase any financial product referred to on this website. While the sources for the material are considered reliable, responsibility is not accepted for any inaccuracies, errors or omissions.

Seek Professional Advice from a Financial Adviser: ESUPERFUND is a no advice model and does not provide financial, legal or tax advice to clients. We recommend that you seek appropriate professional advice in view of your personal circumstances. A licensed financial adviser will consider your personal situation and make a recommendation suitable to your financial needs. All information detailed on our website is purely factual and is general in nature. Accordingly, you should not rely on it. It should always be remembered that Trustees are legally responsible for all the decisions made even if you obtain advice from a Financial Planner. Whilst a Financial Professional can provide advice and assistance you are ultimately responsible for the Fund.

Fees: Fees relating to operating your SMSF with ESUPERFUND are detailed on our fee page here. When setting up an SMSF it is important to understand that additional fees may apply that must be carefully considered prior to making a decision to set up an SMSF including an ATO Supervisory Levy, Company Trustee Setup Fee (where applicable), and Investment Fees.