Bitcoin Super helps Australians invest their superannuation in Bitcoin through a Self-Managed Super Fund (SMSF). We guide you through setup, compliance, and secure custody, ensuring your Bitcoin remains in your control while meeting ATO rules.

Bitcoin is the world’s first and only truly decentralised, fixed-supply digital asset. Unlike “crypto,” it is not controlled by any company or foundation, and it has a proven 15+ year track record of security and network reliability. We focus solely on Bitcoin because it is the only digital asset that meets our standards for long-term, generational wealth preservation.

An SMSF lets you choose where your retirement savings are invested. By holding Bitcoin in an SMSF, you can:

Maintain direct self-custody of your Bitcoin.

Benefit from preferential tax rates within superannuation.

Align your investment with your own convictions about sound money and hard assets.

We work with Bitcoin-only service providers to ensure every step is compliant and secure:

Set up your SMSF (or transfer an existing one).

Open a Bitcoin-only exchange account in the fund’s name.

Secure your Bitcoin using a collaborative custody model, with a Trezor hardware wallet as part of your multisig setup.

The main considerations are operational and compliance-related:

Security – Loss of private keys, unsafe backup practices, or device misuse can result in irreversible loss.

Compliance – The ATO requires SMSF assets to be clearly separated from personal assets, with accurate records and an approved investment strategy.

Trustee Responsibility – Trustees are legally responsible for safeguarding the fund’s Bitcoin and ensuring annual audits are passed.

When stored securely and managed correctly, Bitcoin’s fixed supply and self-custody options eliminate many of the risks seen in traditional financial assets.

We recommend a multisignature collaborative custody setup with The Bitcoin Adviser that includes:

A Trezor hardware wallet under trustee control.

An additional key held by a trusted collaborative security partner.

Robust backup and recovery processes.

This ensures that no single party can access or move the Bitcoin without trustee authorisation.

Yes, but frequent trading increases the complexity of compliance and may create tax events inside your fund. Most SMSF Bitcoin investors adopt a long-term holding strategy aligned with Bitcoin’s long-term growth potential.

In a properly designed multisig setup, losing one hardware wallet does not mean losing your Bitcoin. The remaining keys can be used to recover funds, and a new key can be generated to replace the lost one. Learn more at The Bitcoin Adviser

Costs include:

SMSF setup fees (varies depending on provider).

Annual audit and compliance costs.

One-time hardware wallet purchase.

Optional advisory or security services for setup and ongoing guidance.

Yes — your SMSF must have its own dedicated bank account in the fund’s name for all transactions. This ensures complete separation from personal finances.

Yes. If you already have an SMSF, you can update your investment strategy and begin purchasing Bitcoin, provided your trust deed and investment plan allow it. You will also need a Bitcoin Exchange Account set up in the name of your SMSF, we generally recommend Independent Reserve for this.

Your SMSF’s trust deed and your estate plan will govern the distribution of assets. We help ensure your Bitcoin is included in a secure inheritance plan so beneficiaries can recover it easily and compliantly.

Currently, SMSFs can only borrow in very limited circumstances under ATO rules. In practice, this means most SMSFs must use existing super funds to purchase Bitcoin rather than borrowing inside the fund. We focus on compliant structures to ensure your fund remains fully within ATO guidelines.

Bitcoin held in an SMSF is taxed at concessional rates:

15% on capital gains if sold within 12 months.

10% on capital gains if held for more than 12 months.
When your SMSF moves into pension phase, capital gains tax can be reduced to 0% on some or all of the balance, depending on the transfer balance cap and the size of your position.

Yes. The ATO recognises Bitcoin as an asset, and it can be held in an SMSF provided:

Your investment strategy allows it.

It’s held in the fund’s name.

You meet storage, separation, and audit requirements.

No. The ATO requires all contributions to be made in Australian dollars, not Bitcoin. You must contribute AUD into your SMSF and then use it to purchase Bitcoin in the fund’s name.

Superannuation rules can change over time. We monitor regulations closely and keep clients informed of any updates that could affect Bitcoin in SMSFs. Our structures are designed to adapt quickly if changes occur.

In our recommended multisig arrangement:

The trustee (you) holds at least one key on a Trezor hardware wallet.

The Bitcoin Adviser holds one key as your collaborative security partner.

A third key is held by an independent technology partner for recovery purposes.

No single party can access your Bitcoin alone. Only you can initiate spending transactions. No single point of failure.

Typical timelines are:

SMSF setup: 1–3 weeks (including ATO registration).

Exchange account opening: 1 week.

Bitcoin purchase & multisig setup: within days once accounts are ready.

The ATO requires that SMSF assets be under the trustee’s control and meet Australian audit requirements. Overseas custodians can complicate compliance, which is why we use solutions designed specifically for Australian SMSF rules.