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Accessing your super

This page contains general information about accessing your super. For more specific information, please visit the Product disclosure statements and member guides page for the disclosure material relevant to your division.

Preservation

Superannuation law restricts your access to super until you retire or meet certain conditions. This restriction is called ‘preservation’. All super is subject to preservation. This includes any investment earnings credited to your super.

Generally, this means that you can’t access your preserved super in cash unless you satisfy a ‘condition of release’, being one of the following:

  • You reach your preservation age (see table below) and you permanently retire from the workforce1;
  • You are age 60 or over and you cease your current employment1;
  • You reach age 651;
  • You reach your preservation age and you transfer your super into a transition to retirement income stream which pays you regular income payments and cannot be converted to a lump sum after commencement (except in limited circumstances), such as an Income Account in Gateway1;
  • You suffer Permanent Incapacity;
  • You have a Terminal Medical Condition; or
  • You die.

Preservation age

Your preservation age depends on your date of birth and can be worked out using the following table:

Date of birth Preservation age
Before 1 July 1960 55
1 July 1960 – 30 June 1961 56
1 July 1961 – 30 June 1962 57
1 July 1962 – 30 June 1963 58
1 July 1963 – 30 June 1964 59
After 30 June 1964 60

Other conditions of release

You may be able to access a portion of your preserved super in cash in other circumstances, being:

  • severe financial hardship1;
  • compassionate grounds1; or
  • Temporary Incapacity.

See our fact sheets page for more information about these conditions of release.

Fees and costs may apply for withdrawals from your account. For more information, please read the disclosure material relevant to your division.

There are other circumstances where your super can be paid, including contribution splitting, family law splits, and if you’re a temporary resident. For details, read the member disclosure materials relevant to your division.

 

1 A current or former holder of a temporary visa, who is not a permanent resident of Australia, or a citizen of Australia or New Zealand, is not eligible to access super benefits under these conditions of release.