Accessing your super
We’re currently in a limited service period
While we complete our merger, claims will be restricted until 21 November. Paper-based claim forms can be submitted from 1 November and will be processed effective the date we receive your paperwork. If your claim is urgent, please contact us to discuss. Visit our merger hub for further information.
Super is all about saving for your retirement, that’s why the government has set rules about when you can withdraw it
When can you access your super?
Generally, you can access your super when you meet one of the following:
- you reach 60 and retire or stop working for an employer
- you turn age 65, even if you’re still working
If you turned 60 and still working, you can unlock part of your super through a transition to retirement strategy, find out how.
Accessing your super early
Life doesn't always go to plan, so there are some circumstances when you can access some or all your super early. This includes:
There are certain situations where you can apply to access your super on compassionate grounds. These could include situations such as your (or a dependant’s) medical treatment costs, modifying your home to accommodate special needs or loan payment to prevent foreclosure of your mortgage or a forced sale of your home. See our Early access to your super fact sheet for a complete list.
To access super early under compassionate grounds, you must apply directly to the ATO. We recommend contacting them first to see if you’re eligible.
Once the ATO has approved your application, you can make a withdrawal from your account by completing our Withdrawing your super form.
Access your super forms
- Withdrawing your super
- Withdrawing from your defined benefit
- Apply to access your super under financial hardship
Read Early access to your super fact sheet to find out more.