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You may get early access to your super in specific circumstances: Severe financial hardship. Terminal illness or permanent disability. Compassionate grounds like medical treatment. First home deposit (through the First Home Super Saver Scheme) Temporary residents leaving Australia permanently.
If youre an Australian permanent resident or citizen heading overseas, your super remains subject to the same rules, even if you are leaving Australia permanently. This means your super must remain in your super fund/s until you reach preservation age and are eligible to access it.
Each year you can withdraw as much as you like through your account-based super income stream (unless youre receiving a transition to retirement income stream).
Can I withdraw super to pay off debts? Yes, but its important to understand that early super payments made under the severe financial hardship provision can only be used to pay your reasonable living expenses. Funds are also only available for payments that are in arrears, not for future repayments or to clear debt.
Financial hardship You may be eligible if youve been receiving a Commonwealth income support payment from Centrelink, and can prove you are unable to meet reasonable and immediate family living expenses. The maximum amount that can be released to you in any 12 month period is $10,000.
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withdraw money as you need it, in several lump sums. This could reduce the tax you pay and maximise your Age Pension, depending on your age. invest the lump sum outside super, and have access to your money for your short to medium-term needs.
You can withdraw a minimum of $1,000 and a maximum of $10,000.

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