You can apply through myGov.
If the ATO approves, we aim to pay your super within 5 business days. You should receive the money 3-5 days after this, depending on bank transfer times.

Superannuation is designed to help you save for retirement, so there are rules about when you can access it. However, some funds, including QSuper, allow you to access your super early if you have been financially impacted by the coronavirus (COVID-19).

How much can I get?

If you're eligible, you can withdraw up to $10,000 from your super in 2019-20 and up to $10,000 in 2020-21.

These payments are tax-free and do not affect any payments you receive from Centrelink or Veterans' Affairs.

Who can access their super because of coronavirus

If you're an Australian or New Zealand citizen, the Australian Taxation Office (ATO) requires you meet one of the following criteria:

  • You're unemployed
  • You're receiving certain payments from Centrelink1
  • You were made redundant on or after 1 January 2020
  • You lost income on or after 1 January 2020 because:
    • Work hours reduced by 20% or more, or
    • Business temporarily closed or turnover reduced by 20% or more (sole trader).

Temporary residents living in Australia may also be eligible - see the FAQs below.

How to apply

You can apply online by logging into the myGov website or app and clicking on ATO Online. If you can't get into your myGov account, you can call the ATO to apply.

You can only apply once per financial year, but you can include your accounts with multiple super funds:

  • 2019-20 financial year: Apply from 20 April until 30 June 2020.
  • 2020-21 financial year: Apply from 1 July to 24 September 2020.

Check your balance
Before you apply, log in to Member Online and check your super balance, then update your personal details if needed. If your details with the ATO don't match your details with QSuper, your application could be delayed or rejected.

Coronavirus infographic Coronavirus infographic mobile

What else to consider

  • If you've had multiple jobs or super funds, you might want to combine your super first.
  • It's important to be vigilant against COVID-19 pandemic scams, although your QSuper account always has strong protections in place.
  • Your superannuation is designed to help you save for retirement, so if you take it out now, you will have less money to spend once you finish work.
  • Withdrawing your super is a serious choice and it can be wise to seek financial advice before making a decision.
  • Any insurance you have with your Accumulation account may be affected if withdrawing your super reduces your balance to less than $6,000, or if you stop receiving contributions to your super while you are working less.
  • If you make a withdrawal from your super, the amount you can claim as a tax deduction for your super contributions may be reduced.
  • Accessing your super because of the coronavirus is different to taking out your super due to financial hardship or on compassionate grounds. Learn more about the other ways you may be able to withdraw your super early.
  • For more information about budgeting and money, visit the government's MoneySmart website.
  • To find out if you are eligible for other government benefits, visit the Centrelink (Services Australia) website.

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Coronavirus and super FAQs Show all Hide all

The ATO will let you know if your application is approved within 2-3 days via myGov.

If you have selected in myGov to receive physical mail, this will depend on Australia Post delivery schedules for your area.

Once you've submitted your application, you can cancel it if you made an error or mistake. But you can't make any changes to your application once you've submitted it.
When you make your application, the ATO will ask for your bank account details. We will pay your super into the bank account you have chosen.

We will process your payment within 5 business days of receiving approval from the ATO, and you will see the money in your bank account within another 3-5 days.

There may be cases where we need to take a little extra time to ask you for information so we can process your application and keep your money safe.

Logging into your Member Online will allow you to check the current total balance with QSuper, but you won’t see a breakdown of underlying individual amounts as displayed in MyGov, because we treat the total as one account. If your current total balance is above the amount you are requesting be paid to you, then as a general rule, we recommend selecting in myGov the account showing the highest balance.

There is no extra cost to having multiple accounts with QSuper, as your annual administration fee is capped, and we don’t charge an account-based fee.

You may be able to apply to access up to $10,000 of your super if you apply before 1 July 2020, if you meet one of these eligibility criteria:

  • You're on a student visa that you've had for 12 months or more, and you can't pay your living expenses (e.g. rent and food).
  • You're on a temporary skilled work visa, and you still have a job but your working hours have been reduced to zero.
  • You're on a temporary resident visa and you can't pay your living expenses (e.g. rent and food).

If you apply for the full $10,000 but don't have that much in your account, you might receive the amount you do have in your account.

If you have multiple super funds, you can withdraw different amounts from each fund in the same application, e.g. $1,000 from one super fund and $9,000 from another super fund.

Before you apply, check how much you have in each of your super accounts, as the balances shown in myGov may be out-of-date.

Existing QSuper members may be able to access any lost or unclaimed super held by the ATO, by transferring it into their QSuper account. Contact the ATO directly or apply through MyGov.

If you're not already a QSuper member, it's easy to join us.

No, you don't need to report this on your tax return, because the payment is tax-free and it is not counted as income.

1. Eligible Centrelink payments at the time of writing are JobSeeker, Youth Allowance for Jobseekers, Parenting Payment (single or partnered), Special Benefit, and Farm Household Allowance.