When can you access your super?
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.
How to access your super in retirement (or after you turn 60)
- Online in Member Online
The easiest and quickest way to check your eligibility and make withdrawals from your super. - Withdrawing your super form
- Withdrawing from your defined benefit
How long will it take?
Once we’ve received all required information, we’ll assess if you’re eligible within five working days, with payments made within three business days from confirmation of your eligibility. Some payments can take longer depending on your bank.
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.
Read Early access to your super fact sheet to find out more.
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