Accessing Your Super

Superannuation is about saving for your retirement, so the law restricts access to your super before you retire.

On the other hand, you can now leave your super in your AvSuper account as long as you like – even if you are over 65 and no longer working.

If you want to find out how much super you can access, make an appointment with one of our Member Advice Consultants for an estimate.

Preserved super

For most members, some or all of your super will have to be preserved until age 60.

The preserved part of your super must generally be kept in a superannuation fund until you meet one of the following criteria:

  • You reach your preservation age (and permanently retire if under 60) so your money is no longer preserved
  • You change your employer after age 60
  • You turn 65
  • You die (in which case your beneficiaries will receive your savings)
  • You meet another condition of release under super legislation
  • Your balance is less than $200

Withdrawal processes

If you think you are eligible to withdraw your super, whether because it is unpreserved or early access may apply, please contact us so we can provide you with the correct forms and procedures for your circumstances.

AvSuper rules apply to partial withdrawals, such as maintaining a minimum balance of $5,000 and only making one withdrawal to another fund per twelve month period.

Please note we will request authority to access electronic identification records or certified copies of documents that prove your identity before withdrawing any money from your account. Due to these requirements, withdrawals may take time to be processed but we arrange it as fast as possible.