Access your super early

Coronavirus and accessing super early

The Government is allowing early access to super savings for members affected by the Coronavirus (COVID-19). If eligible, you may be able to access up to $10,000 of your super until 30 June 2020, and a further $10,000 from 1 July 2020 to 24 September 2020, by applying online through MyGov from 20 April 2020.


To apply for early release, you must satisfy any one or more of the following requirements:

  • you’re unemployed,
  • you’re eligible to receive a job seeker payment, youth allowance for jobseekers, parenting payment (which includes the single and partnered payments), special benefit or farm household allowance;

or, on or after 1 January 2020:

  • you were made redundant; or
  • your working hours were reduced by 20% or more; or
  • if you are a sole trader – your business as suspended or there was a reduction in your turnover of 20% or more.

Eligible members will be able to apply to access their super early through the Australian Taxation Office (ATO) via MyGov from 20 April 2020. They will not need to pay tax on amounts released under this new measure. 


ATO Early Access To Your Super

Download Treasury ‘Early access to superannuation’ fact sheet

We’ll update you as more information becomes available. Find out how we’re managing the impact of COVID-19

Important note 
  • You can only apply for this early access via MyGov with effect from 20 April 2020. You can’t apply via AustralianSuper.
  • Before accessing your super, consider the impact this may have on your retirement benefits and insurance cover. Find out how new legislation may affect your insurance cover from 1 April 2020.    
  • If you’re applying to access your super based on Severe Financial Hardship, you’ll have to meet different eligibility criteria. Financial Hardship payments will be paid and taxed as a normal super lump sum. See the section ‘Severe Financial Hardship’ below for details.

How to apply for early access to super if you’re affected by COVID-19?

You don’t need to contact AustralianSuper at all.

If you’re eligible you’ll be able to apply for early release of your super from 20 April 2020 through MyGov at, directly to the ATO.      

Please log into your AustralianSuper online account to check your most current super balance before you make your application, as the super balance shown on your MyGov account may be dated 30 June 2019.

Find out more about the Government’s decision and process in their fact sheet Early access to superannuation (Economic response to the Coronavirus).

For business

If you run a small or medium business you can visit to find out more about how the Government’s economic response can help you.      

Are there any other options besides withdrawing my super?

The Government is providing a range of financial assistance to Australians including income support and household support payments. Find out more

The Department of Social Services is also supporting individuals and families affected by Coronavirus through a range of measures. Find out more

Other ways you can access your super

Other situations where you may be able to access some of your super include:

  • Reaching preservation age 
  • Severe financial hardship*
  • Compassionate grounds*
  • Permanently leaving Australia
  • The First Home Super Saver scheme
  • Terminal illness or permanent incapacity

Each situation has its own criteria you need to meet before you can access your super

*Not relevant for COVID-19 related claims. 

Severe Financial Hardship payments*- apply online

If you’re applying to access your super based on Severe Financial Hardship, you’ll have to meet different eligibility criteria. Financial Hardship payments will be paid and taxed as a normal super lump sum. If you are under 60 years old, this is generally taxed between 17% and 22%. If you are older than 60 years old, you will not be taxed. Find out more from

The quickest way to apply for financial hardship or make a withdrawal from your AustralianSuper account is to log into your online account, go to ‘Make a withdrawal from my super account’ (under ‘Manage my account’) and click the ‘Make a withdrawal’ button to complete the online form. All you need is two of the following forms of identification: a valid Passport, Driver’s Licence or Medicare Card to get your application to us the same day you complete it.

Make a financial hardship claim

If you can’t access your account, here’s how you can apply:

*Not relevant for COVID-19 related claims. 


If you haven’t reached your preservation age yet

You may still be able to access your super if you haven’t reached your preservation age yet in the following circumstances:

Things to consider before accessing your super 

There are a lot of things to consider before accessing your super, including how it will impact your retirement, taxes and what effect it will have on any other benefits you’re receiving. There are also strict conditions and requirements that need to be met to demonstrate your eligibility. Check out our Accessing your super fact sheet for more information.

If you want to make a withdrawal before the end of this financial year, it will need to be submitted by 19 June. This will ensure your withdrawal request is received prior to the end of the financial year.

AustralianSuper supports SuperFriend

Created by a group of Industry super funds and group life insurers, SuperFriend brings together the resources of a wide range of health organisations and offers information and advice to members including, simple and effective ways to improve physical and mental wellbeing, detecting the symptoms of common mental and emotional difficulties, and where to go if you need help.

Learn more
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