Accessing super in retirement

When you can get access to super

You can access your super when you reach 60 years of age and retire. The meaning of ‘retire’ depends on your age and how and when you finished work:

  • If you’re 60-64:
    • You stopped working permanently, or
    • You stopped working for any employer after you turned 60
  • If you’re 65 or older:  you can access all your super, even if you’re still working

Withdrawing super from an AustralianSuper account

AustralianSuper members who are retiring and eligible to withdraw super can:

  • request a part or full withdrawal to their bank account by logging into their account online and selecting ‘withdrawal.’ You’re unable to request a withdrawal using the mobile app
  • set up a regular income by transferring a balance of $50,000 or more to an account based pension like our Choice Income account. Learn more about Choice Income’s tax savings.

Many members do a combination of both.

Important: If you reside outside of Australia with no Australian bank account, please contact us for options on withdrawing your super.

If you’re over 60 and still working you may be able access a regular income with a transition to retirement account based pension. Learn about how a transition to retirement strategy works.1

1 Transition to Retirement (TTR) can be complex and isn’t suited to everyone. It’s a good idea to get financial advice before deciding if a TTR Income account is right for you.

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Tax on super withdrawals at retirement

Lump sum withdrawals and income payments are tax-free when you are over 60.

Tax treatments are different if accessing super under 60 years of age. For more information, please visit or the ATO website.

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