What happens to my super if I'm leaving Australia?

Your super will remain subject to the normal rules that apply to all other Australian citizens and permanent residents in Australia – even if you’re departing permanently. Generally, this means you won’t be able to access your super until you reach your preservation age and retire, or reach age 65 (unless you meet a special condition of early release).

However, if you depart permanently, you’ll no longer receive compulsory contributions (known as Super Guarantee contributions) from an Australian employer. Even if you work for the same employer when you’re overseas – they won’t have to make contributions for you, if you’re considered a non-resident for tax purposes.

If you're an Australian employee sent to work temporarily in another country, your employer must continue to pay super contributions in Australia for you. For more details, visit the ATO website.

If you’re an Australian citizen moving permanently to New Zealand, you may be able to transfer your super to the KiwiSaver scheme.

Once you’ve left Australia, you should check your super regularly to make sure your investment strategy and any insurance arrangements continue to suit your lifestyle. 

If you're a current or former temporary resident (but not an Australian citizen or permanent resident; or New Zealand citizen) you can't withdraw your super under the same rules. For example, you can't access your super if you turn 65, or if you retire when you reach preservation age.

Instead, if you want to access your super when you leave Australia, you may be eligible to take your super with you by claiming a Departing Australia Superannuation Payment (DASP).

For more information on DASP, including eligibility criteria and how to apply, visit the ATO website.

If you’re a New Zealand citizen leaving Australia permanently, you may be able to transfer your super to the KiwiSaver scheme.

 Just give our team a call on 13 13 36 (8:30am to 6pm, Monday to Friday, Sydney time).