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    How to access your super

    Understanding how and when to access your superannuation savings is crucial for your financial planning. We provide the necessary information and digital online forms to make the process of accessing your super as smooth as possible.

    Requesting access to super

    When the time comes to start drawing from your super, it helps to know how to make a withdrawal and limits you should consider. This is relevant to you if you're thinking about withdrawing your super early, approaching retirement or if you're a temporary resident who is permanently leaving Australia.

    Generally, you can only access your preserved super when you meet one of the following conditions of release:

    • You retire after reaching your preservation age - refer to the relevant preservation age table for details.
    • You cease employment at age 60 or over.
    • You reach age 65.
    • You reach preservation age, but do not retire or cease employment and purchase a non-commutable income stream such as an allocated pension designed for this 'transition to retirement' purpose.
    • Early release of super.

    The below steps will guide you through how to access the forms to request early withdrawal of super based on age or financial hardship.


    Make a cash withdraw of your super at preservation age

    You can choose to withdraw your super in cash once you reach preservation age in My AMP. Follow the below steps to complete the online application:

    1. Login or register for My AMP
    2. Select the Super account you want to withdraw from
    3. Follow the Withdrawal link
    4. Select the reason for your withdrawal
    5. Review and update any personal details. You may be required to provide
documentation such as an ID.

    How to withdraw your super if you’re experiencing financial hardship in My AMP

    You can choose to withdraw your super in cash if you’re experiencing financial hardship. Follow the below steps to complete the online application:

    1. Login or register for My AMP
    2. Select the Super account you want to withdraw from
    3. Follow the Withdrawal link
    4. Select the reason for your withdrawal
    5. Continue verification of eligibility for financial hardship. You’ll be asked to provide documentation to support your claim.
    When can I access my super?

    Withdrawal requests can be made based on:

    • Unrestricted non-preserved - this amount can be accessed at any time.
    • Restricted non-preserved - this amount can generally be accessed when you stop working for your participating employer.
    • Preserved - this amount can only be released in the circumstances prescribed by legislation. Refer to early release of super.
    • First Home Super Saver Scheme (FHSSS) — this amount can only be accessed if you've received a FHSSS determination from the Commissioner of Taxation. Visit ato.gov.au for more information.
    Early release of super

    There are some specific circumstances where the law allows you to draw on your super early. You’ll have to meet one of the following conditions where you:

    • qualify on grounds of severe financial hardship
    • become permanently incapacitated
    • have a terminal medical condition
    • have been granted release by the Australian Taxation Office (ATO) on compassionate grounds
    • are the holder of an expired or cancelled temporary resident visa and you have permanently departed Australia (Note that this option is limited to certain visa categories and isn't available to New Zealand citizens). 

    Learn more about the eligibility criteria to access your super early.

    What is preservation age?

    Your preservation age is the minimum age you need to reach in order to access your super. It can be from 55 to 60 years of age, depending on what year you were born.

    Find your preservation age in the table below.

    Relevant preservation age

    Date of birth Preservation age
    Before 1 July 1960 55 years
    1 July 1960 - 30 June 1961 56 years
    1 July 1961 - 30 June 1962 57 years
    1 July 1962 - 30 June 1963 58 years
    1 July 1963 - 30 June 1964 59 years
    After 30 June 1964 60 years

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    What you need to know

    The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

    It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

    Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable. Full details are available in the Fees and charges guide.

    This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

    AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice.

    A target market determination for these products is available on our TMD page.