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Conditions of release/Withdrawal


To access your super you must meet a condition of release.

What are the conditions of release?

Before you can access your super at least one condition of release must be met.

The main conditions of release are:

For more information on these conditions and accessing your super please visit the Australian Taxation Office (ATO) website.


Make a withdrawal request online

You can request an MLC MasterKey withdrawal by logging in to your online account and following these steps:

  1. Click on the Super/Pension/Investment drop-down arrow and select Manage my account.
  2. Click the Account activities tab and then Request withdrawal under Withdrawal request.
  3. We can only pay a cash withdrawal to a bank account used previously and recorded on the customer’s account.
  4. Follow the step by step guide on the page, review and submit.
  5. You'll then receive on-screen confirmation that your request has been submitted. You can choose to download or email a copy of the request for your records.


  1. If you prefer to complete a paper form for your withdrawal request, please visit our Forms & documents page and download the relevant form relating to your account.
  2. Unless you have provided us with current identification, we’ll need proof of identity before we can process a cash withdrawal. You can electronically verify yourself via Verify your Identity on the Personal Details page of your online account or by sending us certified copies of original identification documentation (refer to Proof of Identify Guide).
  3. Find out more about Super and retirement rules.
  4. Help and guidance is available over the phone, online or face-to-face.

General advice and information only

Any advice and information on this website is general only, and has been prepared without taking into account your particular circumstances and needs. Before acting on any advice on this website you should assess or seek advice on whether it is appropriate for your needs, financial situation and investment objectives.