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Early access to super

Super is designed to provide income for you when you retire—that’s why it’s generally not accessible until you reach your preservation age. However, it is recognised that in some situations you may need to access your super early.

Select a scheme
  • ADF Super
  • CSS
  • MilitarySuper
  • PSS
  • PSSap
I am not sure which scheme

We’re committed to assisting any customer experiencing financial hardship, particularly during this difficult period. If you are in need of emergency financial assistance, your first point of contact should be the ATO, as we can’t make any emergency payments without their instruction. Our recently established loss and hardship support team is also available to help you on 02 6192 9521

In response to the COVID-19 (Coronavirus) pandemic, the Australian Federal Government has announced emergency legislation that will allow eligible individuals access to withdraw up to $10,000 this financial year and $10,000 next financial year, from their superannuation. The Australian Tax Office (ATO) will determine who is eligible to access their super under these new arrangements. The ATO has setup a specific COVID-19 page on their website with more information. If you’re eligible, you’ll be able to apply directly with the ATO, or through your MyGov account.  

The information below may help you in assessing all options that may be available to you if you are experiencing financial hardship.

Early Access forms

EAFR02 Early access – severe financial hardship

Benefit access for severe financial hardship

PDF, 1232KB

EAFR01 Early access – specified compassionate grounds

Benefit access for compassionate grounds

PDF, 1232KB

Financial Hardship Support Pack

Additional support for those in financial hardship

PDF, 330KB

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