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tony(Newbie)Newbie
7 Mar 2026

Dear Sir or Madam,

I hope this message finds you well.

I am writing to seek guidance regarding my superannuation funds. I am an Australian citizen who has permanently returned to the Republic of Korea and do not intend to return to Australia in the future.

Due to significant financial hardship in Korea, I am exploring the possibility of accessing or withdrawing my superannuation funds. I would like to inquire whether Australian citizens living permanently overseas may access their superannuation under special circumstances such as financial hardship.

In particular, I would appreciate clarification on the following matters:

  1. Whether an Australian citizen residing permanently outside Australia is eligible to withdraw superannuation funds before reaching the preservation age.
  2. Whether renouncing Australian citizenship would affect eligibility to withdraw superannuation funds.
  3. If early access may be possible under financial hardship or compassionate grounds, what procedures and documentation would be required.
  4. Whether applications for early release of superannuation can be submitted while residing overseas.

If there are specific forms, online services, or departments that I should contact regarding this matter, I would be grateful if you could kindly provide the relevant information.

Thank you very much for your time and assistance. I sincerely appreciate your guidance on this matter.

Kind regards,

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1 replies
224 views
1 replies

All replies

JayATO(Community Support)Community Support
9 Mar 2026

Hi @tony,


As an Australian citizen living permanently overseas, you're generally not eligible to access your super early through the departing Australia super payment (DASP), this is only available to temporary residents who have left Australia. Australian citizens and permanent residents can't use the DASP, even when living overseas permanently.


However, you may be able to access your super early on compassionate grounds or due to severe financial hardship, even while living overseas. For compassionate grounds, you must be or have been an Australian citizen or permanent resident, and you can apply online through myGov from overseas. Compassionate grounds cover specific expenses like medical treatment, mortgage foreclosure prevention, or palliative care.


For severe financial hardship, you'd need to apply directly to your super fund (not the ATO). The eligibility depends on your age and preservation age and typically requires that you've received eligible government income support payments for a continuous period. This may be difficult to meet while living in Korea.


To apply for early release on compassionate grounds from overseas, complete your application online through myGov linked to the ATO. You'll need to contact your super fund first to confirm they'll release the funds and that you have sufficient balance to cover both the expense and tax withholding (generally up to 32%). You'll also need to provide specific documents proving your eligibility for the particular compassionate ground you're applying under.

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