Phone 1800 444 396
Web brightersuper.com.au
Email info@brightersuper.com.au
Post GPO Box 264, Brisbane QLD 4001

Partner Linking

Supporting you and your partner into a brighter retirement.

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Make your retirement savings work harder - together

With Partner Linking, you and your partner could save on administration fees by linking your eligible* accounts. With percentage-based administration fees calculated on your combined balance, you could reach the fee cap sooner while keeping your accounts separate.

It’s an easy way to get more value from being Brighter Super members, and a smart way to keep more of your money invested for your future.

Brighter together

Eligible* Brighter Super members whose combined balances meet the fee cap minimum balance may benefit from the shared percentage-based administration fee cap of $650 per year.

It’s part of our commitment to competitive fees, so more of your money stays working in your super.

 

Who can apply

To be eligible for Partner Linking, you and your partner must both be Brighter Super members and meet the following minimum combined balance:

 Account Type  Fee cap minimum balance 
Pension account Combined balance > $464,286 
Accumulation or Transition to Retirement account Combined balance > $546,219
 

How to apply

Complete the Partner Linking Form and return it to us to link your account with your partner’s account.

We’ll notify you once your accounts are linked, and once any potential rebate has applied.

Download form



How it works

With Partner Linking, your super accounts stay separate, but for administration fee purposes we look at your combined balances. This can help you and your partner reach the $6502 administration fee cap sooner, reducing the percentage-based administration fees you both pay.

If eligible, any percentage-based fees charged above the fee cap are credited back proportionally to each linked account in the following financial year. Rebates are paid back to the account the fee was deducted from. Members with no active accounts at the end of the financial year will not be eligible for a rebate. As required by legislation, balances invested in MySuper are excluded from Partner Linking. Learn more about our investment options. Following the end of the financial year, you’ll be notified once the rebate is applied and can view it in Member Online and your Annual Statement. If your balance is invested in multiple investment options, the rebate is applied proportionally.

Partner not a Brighter Super member yet?

No problem! Your partner can join Brighter Super in minutes - invite them through our Family and Friends Referral Program and you could both receive a $100 voucher.

Eligibility criteria apply. Learn more Family and Friends

More ways to grow your super together

In addition to Partner Linking, there are other strategies that may help you and your partner grow your combined retirement savings, including boosting your partner’s super and potentially benefiting from a tax offset:

Spouse contributions - Make a direct contribution to your partner’s super account and you may be eligible for a tax offset.

Contribution splitting - Transfer (or “split”) some of the contributions made to your own account into your partner’s.

Learn more here: Spouse Contributions

The Brighter advantage

For 60 years, Brighter Super has supported Queenslanders to grow their retirement savings with personalised service and advice, empowering members to retire with confidence.

Brighter investments

A simpler and smarter investment menu designed to offer flexibility and control to grow your super without complexity. 

Learn about our investments

Brighter Queensland

With 85% of retirement savings from Queensland members, we are committed to investing locally to strengthen our community.

See our Queensland assets

Brighter advice

With dedicated super specialists across Queensland, we’re committed to providing personal support and guidance to every member.

Get advice

Brighter retirement

Helping members retire with confidence with award-winning retirement products and tools to keep you on track. 

Use our tools and calculators

Award-winning super support

Don’t just take our word for it - our education programs, personal service and products have been recognised by leading research houses and independent platforms. We’re also one of only six funds to receive the newly launched Epic Retirement Tick - a mark of excellence in retirement support and outcomes. These accolades reflect our ongoing commitment to helping every member retire with confidence3.

Explore our full list of awards and ratings

* Eligible accounts include Brighter Super Accumulation (excluding any amounts invested in the MySuper option), KiwiSaver, Transition to Retirement, and Pension accounts.

1The $650 administration fee cap does not include the $0.50 per week account keeping fee ($26 per year per account). This account keeping fee applies to most accounts, excluding KiwiSaver accounts, Suncorp Group SESP Corporate Plan members, Norfina Corporate Plan members and insurance-only accounts.

2The $650 fee cap is applied after any tax rebates, with Accumulation and TTR accounts receiving a 15% tax refund on administration fees.

3 You should refer to the respective research houses (and their disclaimers) to obtain further information about the meaning of the ratings and the rating scale. Ratings and awards are only one factor to be taken into account when deciding whether to invest, and are not a recommendation to purchase, sell or hold any product. Canstar recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser. See our Financial Services Guide and Credit Guide at www.canstar.com.au/canstar-research-fsg/. For Money magazine’s award criteria, visit moneymag.com.au.  The Epic Retirement Tick is powered by Chant West. It recognises funds that meet a high benchmark across retirement criteria. It is not a recommendation or personal advice. Consider your circumstances and read the relevant disclosure documents before making decisions. Recognition date: 2 Oct 2025. © Brighter Super. Epic Retirement Tick used under promotional terms from Chant West. To obtain further information about our ratings and awards, visit https://www.brightersuper.com.au/about-us/awards.