Generally, you’re able to access your super when you've reached:
- your preservation age and have permanently retired from work
- your preservation age and take a transition to retirement income stream
60 and have ceased working in an employment arrangement
65 years old (it doesn't matter if you've retired)
Your super may also be accessed by your beneficiaries after you’ve died.
Get regular income payments
Once you reach your preservation age, you can set up an Income account, which lets you receive regular income payments while the rest of your super remains invested. Learn more about our Income accounts.
Lump sum withdrawals
If eligible, you can request to withdraw a lump sum from your super account in Member Online.
Accessing your super early
Super benefits may also be paid if you:
- have a terminal medical condition
- are permanently incapacitated
- are a temporary resident permanently leaving Australia
- meet the criteria to access your super on compassionate grounds.
Help and advice
Before you withdraw your super, it’s a good idea to make sure you understand all your options and the many great benefits of being an Australian Retirement Trust member.