You own less than $50,000 in “assets” (e.g. car, bank account, etc.).
You’ve been receiving government payments for at least 26 weeks in a row.
You’re under preservation age – for most people, this is 60.
Special rules if you’re 60 and over
Once you've reached preservation age (55–60), you can apply using other criteria.
You can take out any amount from your super, up to your entire account balance with us.
If you don't meet these criteria, you can still apply using the 26-week criteria instead (even though you've reached your preservation age).
Once a year, you can take out up to $10,000 less tax, so you receive less than you apply for.
Find out how tax will reduce your withdrawal, what to do if you have insurance, and more.
Even if you're not eligible, we can help you find support services for your situation.
Use our online form
Log in and apply in Member Online. Our online application form checks your eligibility for you.
Approx. time: 15 minutesStart application
We’ll be in touch
Our team will run checks with Centrelink (Services Australia) and your ID documents. We'll call you if we need any more information.
Approx. time: 1–3 weeks. In busy periods, this can take longer.
If you have any trouble with the online form or have any questions about early access, please call us for help.
8:00am-8:30pm AEDT (7:00am-7:30pm AEST) Monday to Friday
When overseas +61 7 3333 7400
Not all super funds will let you access your super early when you're in financial hardship.
But we care about your financial situation, so we make sure you can access your super if you need to.
We also offer financial advice to help you decide whether using your super is right for your situation. This advice is already included in your membership, so you don't need to worry about the cost – simply give us a call.
Finally, we can put you in touch with other support services that can help you get back on your feet.
While financial hardship is about not being able to pay your bills, compassionate grounds is how you would claim your super if:
Compassionate grounds is also different because it's managed by the government. So for financial hardship, you apply with your super fund, but for compassionate grounds, you apply with the Australian Taxation Office (ATO) instead.
Your membership includes financial advice about your account with us, which can help you decide whether or not to apply for financial hardship.
This advice is already included in your membership, so you don't need to worry about the cost.
Take a look at your advice options now.
The government has a list of support payments you could apply for, such as Centrelink's Crisis Payment.
You can also call the National Debt Helpline for help with payment plans and negotiating with banks and other companies.
For more help, check the list of support services that we commonly tell our members about.