On this page

  • Superannuation
  • Choosing your own super fund
  • How to claim your super when you return to your home country

In Australia, superannuation is a way of saving money for retirement. Superannuation is often called 'super'.

If you are working while you are in Australia, you may be entitled to compulsory super contributions from your employer. This is called the superannuation guarantee.

The government sets the minimum rate for contributions, called the statutory rate.

The statutory rate is currently 10.5 per cent of your of your ordinary earnings. Ask your employer if your pay includes super. Some  or if they pay super on top of your pay.

Read more about superannuation on the Tax and superannuation page on the Fairwork Australia website.

You can also find information on the Australian Taxation Office (ATO) website in their Super section for individuals.

Choosing your own superannuation fund

You can choose what superannuation fund your super contributions go into. If you are working on some types of visas, your employer does not have to offer you a choice of superannuation fund. Even if they don't offer it, you have the right to ask.

The Australian Taxation Office (ATO) has a form that you must use to nominate your preferred fund.

Visit the Superannuation (super) standard choice form page on the ATO website.

Claiming your superannuation when you go home

While you are in Australia the superannuation contributions must stay in your fund.

You may be able to claim your super after you leave Australia. Check with the Australian Taxation Office  (ATO) about the requirements.

The ATO website has a page on Super for temporary residents leaving Australia with more information.

How to apply

Visit the Returning to your home country page on the ATO website to find more about claiming your superannuation.

The refund is called a departing Australia superannuation payment (DASP). Visit the DASP - online applications page to start your application.

If you successfully apply to access your superannuation, your fund deducts tax before they pay your super to you.