You can usually access your superannuation from age 60 if you’ve retired or left a job, and from age 65 in all cases, even if you’re still working.

Key ages at a glance

  • Preservation age:
    For most people now, the preservation age (the minimum age your super must stay locked away) is effectively 60 , because that’s when you can access it if you have retired.

  • From 60:
    You can generally access your super if:

    • You permanently retire, or
    • You leave a job after turning 60, or
    • You start a Transition to Retirement (TTR) income stream while still working, subject to limits.
  • From 65:
    Once you turn 65 , you can access all your super whether or not you have retired.

Early access (before 60)

In limited circumstances, you may be able to access some super before preservation age, but strict rules apply. These can include:

  • Severe financial hardship (with conditions around how long you’ve been on income support).
  • Compassionate grounds (for example certain medical or housing-related expenses).
  • Terminal medical condition, or permanent incapacity.

These pathways are exceptions and usually require applications, evidence, and approval; they’re designed as a safety net, not a general early-access option.

Super vs Age Pension

  • Being able to access your super does not mean you can get the Age Pension.
  • The Age Pension qualifying age is currently 67 , depending on your date of birth, and you must also meet income and assets tests.

Important: The exact rules depend on your birth year and personal circumstances, and they can change over time, so it is wise to check current government guidance and consider getting licensed financial advice before making decisions about accessing your super.