Accessing your Superannuation early

Access Super funds
Date last modifed: 10 October 2018

There are very limited circumstances when you can access your Super early. These circumstances are mainly related to severe financial hardship or compassionate grounds.

Always seek financial advice before withdrawing money from your Superannuation fund.

Accessing Super due to severe financial hardship

You may be able to withdraw some of your Super if you have received eligible government income support payments continuously for 26 weeks and are unable to meet reasonable and immediate family living expenses.

Please note

Find out more about accessing your Superannuation or KiwiSaver funds early.

Accessing Super on compassionate grounds

Citizens and Permanent Residents of Australia or New Zealand may be allowed to withdraw some of their Superannuation or KiwiSaver on compassionate grounds for unpaid expenses.

Compassionate grounds include:

  • medical treatment and medical transport for you or a dependent
  • palliative care for you or a dependant
  • making a payment on a loan or council rates so you don’t lose your home
  • modifying your home or vehicle, or buying disability aids for you or a – dependent because of a severe disability
  • expenses associated with a death, funeral or burial for a dependent.

Find out more about accessing your Superannuation or KiwiSaver funds on compassionate grounds


Eligibility for the Aged Pension or NZ Superannuation

Who can access their Super early

Transferring funds between an Australian Superfund and KiwiSaver

Accessing KiwiSaver funds early


Oz Kiwi is run by volunteers and entirely funded by public donations. Please consider donating to help Oz Kiwi lobby on behalf of New Zealanders living in Australia.

Thank you for your support.

Comments are closed.