The following is the current full fee schedule that applies to all Grow SMSF customers.
All amounts are in Australian dollars (AUD) and include GST.
These fees apply from 1 July 2025.
SMSF Setup Fees
New SMSF - Company Trustee | $1495 | Complete new SMSF establishment including:
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New SMSF - Individual Trustees | $880 | Complete new SMSF establishment including:
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Bare Trust Setup Fees
Bare Trust and Company Trustee | $1495 | New bare trust and trustee company establishment, including:
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Bare Trust Only | $880 | New bare trust establishment including:
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Annual SMSF Accounting Fees
These fees take effect from July 1, 2025, and cover work completed for the year ended June 30, 2025.
All Annual SMSF Accounting Packages Include:
Completion of the annual SMSF accounts;
Lodgement of the SMSF annual return with the ATO;
Independent audit (completed by our audit partner, ASF Audits);
Dedicated account manager;
Support via phone, email and chat;
Completion of any required activity statements;
ASIC agent services for trustee companies.
Fee | Amount | Description |
Starter Package | $1,485 | Allowable investments include one of our preferred SMSF cash accounts and one of the following investment portfolios:
Does not include property. |
Flexi Package | $1,870 | Allowable investments include one of our preferred SMSF cash accounts and any two of the following investment portfolios:
Does not include property. |
Triple Package | $2,255 | Allowable investments include one of our preferred SMSF cash accounts and any three of the following investment portfolios:
Does not include property. |
Property Starter | $2,255 | Allowable investments include one of our preferred SMSF cash accounts, one property (residential or commercial), and an SMSF loan. |
Property Flexi | $2,640 | Allowable investments include one of our preferred SMSF cash accounts, one property (residential or commercial), an SMSF loan and one of the following investment portfolios:
Add $770 for each additional property. |
Property Flexi 2 | $3,025 | Allowable investments include one of our preferred SMSF cash accounts, one property (residential or commercial), an SMSF loan and two of the following investment portfolios:
Add $770 for each additional property. |
Everything Package | $3,410 | Allowable investments include one of our preferred SMSF cash accounts, one property (residential or commercial), an SMSF loan and three of the following investment portfolios:
Add $770 for each additional property. |
Cash Only | $1,100 | Sometimes, a newly formed Self-Managed Super Fund (SMSF) will only hold cash during its first financial year of operation, for example, when funds are transferred into the SMSF to invest in the market or purchase a property. |
Information on Fee Packages
Grow's ongoing annual accounting fees are influenced by the accounts and investments held by your Self-Managed Super Fund (SMSF). To be eligible for any of the fixed fee packages, you must use Grow's preferred bank, broker and investment accounts.
Our preferred bank, broker and investment account providers have been selected because:
They are quality solutions that we have used and tested ourselves.
We can obtain a data feed into our specialist SMSF accounting platform.
Grow can assist with the opening of some of the accounts.
We can obtain read-only access to the reports we need as accountants.
The reporting available is suitable for both Grow's accounting requirements and sufficient for our independent SMSF auditors.
The accounts are popular with our customers.
Grow receives no commissions or financial incentives from any preferred partner or account provider.
The following is a summary of our preferred and approved accounts, brokers and investment platforms and how they influence the fees your SMSF will pay:
Account Type | Preferred Providers | Description |
Bank Accounts | ANZ V2 PLUS Account Macquarie CMA
| More information on these accounts can be found here:
All other bank accounts will incur an additional $120 fee per account per year fee. |
Brokers - ASX | Selfwealth Stake (AUS) Betashares Direct Interactive Brokers (IBKR) | These brokers are our preferred broker accounts for ASX-listed shares and ETFS.
All other ASX brokers will incur an additional $385 fee per account per year. |
Brokers - US and International | Selfwealth Stake (Wall St) Interactive Brokers (IBKR) | These brokers are our preferred broker accounts for US and International listed stocks and ETFS.
All other brokers will incur an additional $385 fee per account per year. |
Cryptocurrency | Swyftx Coinjar Coinspot Digital Surge Coinstash Kraken Independent Reserve | Grow supports these cryptocurrency exchanges and platforms.
Using any platform or exchange outside of this list will incur an additional $385 fee per account per year.
Grow supports the use of self-custody solutions, such as hardware wallets. An additional fee of $220 per wallet (device) per year applies. For example, if you have multiple coins held via Ledger/Ledger Live, one fee of $220 will be added to your annual fee, provided you supply the xPub and any other information requested by Grow.
For compliance purposes, an SMSF cannot use a non-Australian crypto exchange like Binance or Coinbase as they don't have adequate support from SMSF accounts and there will also be issues moving fiat AUD on and off these platforms.
Similar, Grow doesn't support the use of decentralised exchanges or crypto derivatives trading. |
Gold Bullion and Precious Metals | Gold Bullion Australia (GBA) Perth Mint Ainslie Bullion ABC Bullion | Grow supports these gold and precious metals providers.
The key aspect for any gold, silver, or precious metals investment is that it is stored securely and that an annual inventory and valuation report can be provided by 30 June.
Grow doesn't support SMSF trustees who want to store their bullion at their principal residence. A secure third-party vaulting provider must be used. |
Additional Annual Fees
An SMSF may hold investments outside of the standard fixed-fee packages. The table below outlines these additional fees (per annum).
Item | Additional Fee | Details |
Non-Preferred Bank Accounts | $120 | Any bank account except for Macquarie and ANZ V2 PLUS accounts. Examples include:
Where a bank account is attached to a broking account, such as a Commsec account, the additional $120 fee does not apply, as the cash account is included in the extra fee for the non-preferred brokerage account.
Similarly, any cash accounts within our preferred broker accounts (e.g., SelfWealth, Stake, Betashares, etc.) do not incur any additional fees. |
Term Deposits | $120 | Any Term Deposit with any institution except for a Term Deposit set up by Grow with Macquarie or ANZ. |
Wrap Account | $385 | Any investment 'wrap' account. Examples include:
The additional $385 fee is added to the applicable package, so the minimum fee would be $1485 plus $385 = $1870. |
Non-Preferred Broker Accounts - ASX | $385 | Any non-preferred ASX broker account.
Bell Direct and Desktop Broker accounts (formerly Macquarie Online Investing) will be supported until holdings are transferred to another supported broker like Selfwealth. |
Non-Preferred Broker Accounts - US/International | $385 | Any non-preferred US/International broker account.
Please note that Commsec International's brokerage services are provided by Interactive Brokers (IBKR); therefore, it is recommended that trustees use IBKR directly. |
Non-Preferred Crypto Platforms | $385 | Any non-preferred crypto exchange or platform, for example:
Please note that Grow's preferred platforms for cryptocurrency are updated regularly. |
External Wallets - Cryptocurrency | $220 | Where SMSF holds crypto via self-custody, this additional fee covers the additional accounts and audit requirements. |
Non-Preferred Gold or Precious Metals Provider | $385 | Where an SMSF doesn't use one of our preferred providers, an additonal fee applies to cover the additional valuation and inventory evidence work required. |
Direct Managed Funds | $120 | Any directly held managed funds each incur an additional fee of $120 per holding per year. |
Unlisted Shares or Units | $220 | Applicable where SMSF holds any shares in unlisted private (Pty Ltd) or public companies or units in a private unit trust. |
Artwork or Collectables | $220 | Additional fee per artwork or collectable item. |
Loans to Unrelated Parties | $220 | Any loan (via a formal written loan agreement) made to an unrelated party. May include convertible notes. |
All Other Investments | $220 | Fee applicable for "Other" investments that don't directly fall into any other specific category listed. |
Additional Service Fees
The following are additional fees that may apply from time to time.
Fee | Amount | Description |
Add or Remove a Member of SMSF | $385 | Includes adding or removing a member of the SMSF, including all necessary minutes and forms, as well as lodging required documents with ASIC and the ATO. |
Change of Trustee | $1,495 | Change of trustee from individual trustees to a special purpose trustee company, including the ASIC company registration fee, deed of appointment and removal, and |
Transferring an Existing SMSF to Grow | $0 | No fee applies to transferring your SMSF to Grow. |
Exit Fee | $250 | If you cancel your engagement with Grow, the Exit Fee will be payable. |
Wind Up Fee | $1,100 | Fee payable to wind up and close your SMSF, including transferring benefits to another super fund account or to members (where allowable). |
SMSF Return Amendment Fee | $450 | If Grow has lodged your SMSF return, and you request that it be amended. |
Audit Contravention Report (ACR) | $280 | Additional fee passed on from Grow's independent auditors, where an Auditor Contravention Report is lodged. |
New Pension Establishment Fee | $330 | Pension commencement paperwork and accounting are required to commence a new account-based pension or TRIS. |
Actuarial Certificate Fee | $165 | Applicable where your SMSF is running both pension and accumulation accounts during the financial year and needs to claim a percentage of tax-exempt income. |
Trust Deed Amendment (Upgrade) | $550 | To amend and update the rules of an existing SMSF trust deed for either strategic reasons or for changes in rules. |
Related Party Loan Agreement | $550 | Preparation of a compliant loan agreement and loan schedule that meets the safe harbour requirements of PCG 2016/5. |
Accountant Finance Letter - Standard | $0 | Standard letter for finance or refinances (SMSF or personal). |
Hourly Consulting | $330 - $1100 per hour | Depending who within Grow undertakes the work. |