Author: RachelATO(Community Moderator)Community Moderator 26 Mar 2026
Hi @dken2027,
The inactive flag on your ATO-held super won't prevent you from accessing it when you turn 65. When you reach 65 years of age, we can pay your ATO-held super directly to you, regardless of how long it's been inactive or how small the amount is.
The 10-year inactive account status you've read about applies to accounts in the Superannuation Holding Account (SHA) special account. While these accounts become inactive after 10 years of no activity, this doesn't stop the payment once you're eligible. At age 65 or over, we'll make a direct lump sum payment to you of your ATO-held super, where possible.
If you'd prefer not to wait until 65, you have a couple of options. If the amount is less than $200, we can pay it to you now. If it's more than $200 and you're under 65, you can only transfer it to an eligible super fund or wait until you reach the right age.
Check your ATO-held super balance through ATO online services via myGov (select Super, then Fund details). If you'd like to request payment now (if under $200) or transfer the funds, you can do this online by selecting Super, then Manage, then either Withdraw ATO-held super or Transfer super. Alternatively, you can use the paper form or contact us directly.
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