Access your super early

Super is a long-term investment for your future, so you need to meet certain conditions before you can access it. 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.
  • Read on to find out more about each situation and the criteria you’ll need to meet if you want to access your super.  

    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're under 60 years old, this is generally taxed between 17% and 22%. If you're older than 60 years old, you will not be taxed. Find out more from Read more about severe financial hardship payments below.

    The quickest way to apply for financial hardship is to log into your online account, go to ‘Make a withdrawal from my super account’ (under ‘Manage my account’) and click the ‘Apply for a financial hardship payment’ 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, complete the Apply for a payment (financial hardship) form. Also, Australia Post have announced changes to their delivery frequency, so it may take us longer than usual to receive your mail and process your request.

    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 or 3 things to think about before accessing your super article for more information.

    Request a call back

    If you would like to discuss your options with AustralianSuper, request a call back. We will call you at a time that suits you.

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    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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