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  • Illegal early release of super

    Withdrawing your super early unless you meet a condition of release is illegal. Don't fall victim to a scheme promoting illegal early release of super.

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    Withdrawing from super early

    Generally, you can only withdraw your super when you reach retirement.

    There are limited circumstances where you can legally withdraw your super early, such as:

    • specific medical conditions
    • if you are experiencing severe financial hardship.

    Super laws provide specific rules for when you can withdraw your super. These are called conditions of release.

    Beware of people promoting early release of super schemes. They might tell you they can help you withdraw your super to pay off credit card debt, buy a house or car, or go on a holiday. These schemes are illegal.

    Illegal schemes will cost you a lot more than the super you withdraw and will get you into trouble. There are severe fees and penalties.

    Promoters of schemes encouraging the illegal early release of super may face prosecution and civil or criminal penalties.

    If approached by someone about a scheme, contact us on 13 10 20 immediately to seek advice and protect your super.

    For more information, see Withdrawing your super and paying tax.

      Last modified: 09 Feb 2022QC 18810