How to Withdraw Super

Prior to figuring out how to withdraw super, you must first determine if you are allowed to access your super.

In order to access your superannuation savings you must first meet a superannuation condition of release.

The most common ways of meeting a condition of release are: Reaching age 65, Permanent Retirement after your Preservation Age, Commencing a Transition to Retirement Strategy.

Some less popular, yet no less frequent, conditions of releases are Death or Total and Permanent Disablement.

More information on Accessing Superannuation or Accessing Super While Still Working.

How to Withdraw Super

In most cases, you will have the ability to withdraw super in the form of a lump sum or an income stream provided you have met a condition of release.

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Your superannuation provider will have forms that are required to be completed, which will allow you to access your super.

Go to the website of your superannuation provider and look for one of the following terms:

  • Tools and resources
  • Forms and Publications
  • Member forms
  • etc., etc.

How to Withdraw Super – Lump Sum

If you would like to make a Lump Sum Withdrawal, you will be looking for one of the following forms:

  • Withdrawal form
  • Benefit Payment form

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How to Withdraw Super – Pension

If you would like to start a Pension, you will be looking for one of the following forms:

  • Start a Pension
  • Pension Application

If you would like to Transfer or Rollover your superannuation to another fund, you will be looking for one of the following forms:

  • Rollover Form
  • Transfer to another fund

Your best option is always discuss your intentions with a financial planner or the superannuation provider to ensure that you are following the correct procedures and abiding by the relevant laws.

How to Withdraw Super – SMSF’s

If you have a Self Managed Superannuation Fund (SMSF), you will need to contact the administrator (sometimes this person is your accountant) of the SMSF and have them produce the necessary documentation in order for you to withdraw your super. In this instance, it is imperative that you follow the guidelines set out in the Trust Deed of the fund, as there may be a specific process or restrictions in the manner in which you can make the withdrawal.

How to Withdraw Super

If you would like anything clarified or have any further questions about the How to Withdraw Super or any other topics, please do not hesitate to leave a comment in the section.

Chris Strano

Hi, I hope you enjoyed reading this article. If you want my team and I to help with your retirement planning, click here. If you prefer a DIY approach, then check out the SuperGuy HUB. Thanks for stopping by - Chris.

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  1. Darryl elliott

    Hi chris, i am 63 years old and working casualy i dont have a lot of funds niether do i own a house i am also single . is it possible for me to access part of my super to buy an onsite parkhome to live in i am still working casualy and my super is not substancial. thank you darryl

    • Chris Strano

      Hi Daryl
      Based on your age, one of the conditions that provides you with full access to your super is ceasing an employment arrangement between age 55-59 with no intention of returning to full time or part time work OR simply ceasing an employment arrangement after age 60.
      This should give you full access to your super savings that were accumulated up until that point (ceasing work). You may not be able to access any super contributed to your account while in your existing casual position until another condition of release is met.
      There is a high likelihood that you can access your super completely tax free (being over age 60); however you should double check with your superannuation provider and explain to them your position.
      Hope this has been helpful


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