Accessing your super

Super is designed to provide retirement income, so you super savings generally can't be accessed until you've reached your preservation age and/or retired. Read moreOpens in new window

There are some specific circumstances when you can access some of your super before this time.

• You may be able to access your super early on compassionate groundsOpens in new window or on grounds of permanent incapacityOpens in new window provided you meet strict eligibility conditions. If you’re approved, the amount is paid and taxed as a lump sum.
• Its also possible you can access some of your super early due to severe financial hardshipOpens in new window , provided you meet strict eligibility conditions.
• The First Home Super Saver Scheme (FHSSS) allows you to make voluntary contributions (both before-tax concessional and after-tax non-concessional) into your super fund to save for your first home. If you meet the eligibility requirementsOpens in new window , you can have these voluntary contributions released to help you purchase your first home. Visit the ATOOpens in new window for more information.

Financial advice

If you need advice regarding your super or retirement options, all you have to do is call an ANZ Staff Super financial adviser on 1800 000 086. They can help work out the right strategy for you no matter what your stage of life and provide you with advice over the phone.