Early release of superannuation

A way to get some of your super before retirement age only if there are compassionate grounds.

Early release of super is only for unpaid costs. You can’t get it if you’ve already paid – even if you used a loan, a credit card or money from family or friends.



You can only apply to get your superannuation released early for a few reasons.

Read more about who can apply to release their superannuation early

Financial impact

If you release your superannuation early, it may impact the amount of other payments you get.

Read more about the financial impact releasing your super early can have

Grounds for early release

You normally can’t use your super until you reach preservation age. In rare cases your super fund may let you have some of the money early.

Read more about early release of superannuation

About compassionate grounds

We can approve early release of some super if you can meet one of the specific compassionate grounds for needing it.

Read more about compassionate grounds for early release of super

Early release of super to help a dependant

You can apply for early release of super to help your partner, child or other dependant. It must be for compassionate grounds.

Read more about dependency requirements


How you apply for an early release of superannuation depends on why you need the money.

Before you start, check:

  • if you’re eligible
  • who to apply to

To apply to your super fund, contact them directly.

To apply to us:

  • find out what you need
  • fill in your form
  • submit your form and documents
  • wait for us to tell you the result



Contact us

For more information you can contact us.

Read more about contacting us

Payment and Service Finder

Select the options that describe your circumstances, then explore a list of possible Centrelink and Medicare payments and services online.

Read more about Payment and Service Finder

Manage your money

We’ve got advice and tools to help you with budgeting, borrowing and credit, and managing debt.

Read more Managing your money

Page last updated: 17 April 2018