Withdrawing your super

Use this area to see the terms and conditions for withdrawing your super.

Before making any decisions, please read our Product Disclosure Statement and consider consulting a licensed professional, such as financial adviser.

Your superannuation is intended for your retirement and is therefore a long-term savings vehicle.

Under the law, super is generally payable when you reach your preservation age and permanently retire from the workforce, or if you become totally and permanently disabled or die.

There are other circumstances, such as compassionate grounds, under which you may be able to access some of your benefit earlier.

• Retrenchment, resignation or dismissal
• After divorce or separation
• Retiring
• Compulsory payment of benefit
• Transfer to an Eligible Rollover Fund

When can you withdraw your super?

• When you reach retirement age (generally 65)
• When you cease employment on or after age 60
• If you retire on or after your preservation age
• If we have approved your invalidity retirement and certified that you are entitled to receive invalidity benefits under the PSSap
• If you suffer severe financial hardship or are eligible on compassionate grounds as determined by Government rules (conditions apply)
• If you change jobs and your account balance is $200 or less
• If you reach your preservation age and intend to continue working, but in this case you can only access your super as an income stream; or
• If you are a foreign national who has permanently left Australia after having been a temporary resident on a specified class of visa.

More facts about withdrawing your super.

Preservation age