If you’re an Australian permanent resident or citizen heading overseas, your super remains subject to
the same rules, even if you are leaving Australia permanently. This means your super must remain in
your super fund/s until you reach preservation age and are eligible to access it.
Can I contribute while I’m away?
Probably. However, there are restrictions on contributions to self-managed super funds (SMSFs).
People in other super funds often continue to make personal contributions to their Australian super
fund while away to ensure their balance continues to grow and to cover any insurance premiums
being deducted. In circumstances where you are working for an Australian employer internationally
(see below) they may also be required to continue making Superannuation Guarantee payments into
If you’re planning on heading
overseas for an extended period
of time it’s a good idea to do some
research into funds which can offer
a suitable choice of investments
for your needs without charging
excessive fees, while you’re away.
This will help your balance grow even
if you are no longer contributing.
Working overseas for an
If your Australian employer sends you to work in
another country, usually they will still be required
to make Superannuation Guarantee payments into
your super account. Australia has bilateral social
security agreements with a number of countries
that remove the issue of double superannuation
coverage that might occur if you or your employer
are required to make superannuation (or
equivalent) contributions under the legislation of
both countries for the same work. Visit the ATO
website or call 13 10 20 for more information.
If you are an overseas resident working temporarily in Australia, you may be eligible to be paid your
superannuation money once you have left Australia through what is known as a departing Australia
superannuation payment (DASP). For more information or to apply, visit the ATO website.