Access your super

Super is all about saving for your retirement, so there are rules about how and when you can access it

When can you access your super?

Generally, you need to have reached age 60 and met a condition of release before you can access your super.

Conditions of release

You can generally access your super when you:

  • turn 65 (even if you’re still working)
  • are aged between 60 and 65 and are permanently retired
  • stop working for an employer (even if you’re still working for another employer) on or after turning age 60.

Note: the age you can access your super isn't the same age you can access the Age Pension.

If you’ve reached age 60 and you’re still working, you can unlock part of your super through a transition to retirement strategy. Find out how.

Early access to super

Life doesn't always go to plan, so there are some circumstances when you can access some or all your super early. This includes if you:

  • experience severe financial hardship
  • meet certain compassionate grounds
  • have a terminal medical condition
  • suffer a permanent incapacity
  • suffer temporary incapacity (in this case you may be able to access an insured benefit, only if you have income protection cover and are eligible for the benefit) 
  • have a super balance under $200 and have ceased employment with your employer or
  • are using the First home super saver scheme.

You can read more about eligibility requirements in our Early access to your super fact sheet.

Note: we recommend you get advice from a qualified financial planner before making a withdrawal from your super. Find out how.

Get more information

Read our Early access to your super fact sheet for more information

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