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


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, call the early release of super line between 9 am and 5 pm AEST, Monday to Friday.

If you don’t speak English, call the multilingual phone service.

If you have a hearing or speech impairment, call the TTY service.

Payment and Service Finder

Find, estimate and compare payments and services you may be eligible for. You can also work out what a change in circumstance might mean for the payments and services you currently receive from us.

Start using 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 about how to manage your money

Page last updated: 2 March 2018