Can I use my super to pay bills?

Q: I am short on funds and looking for a job. Can I apply to use some of my super to pay bills?

I’m sorry to read about your financial situation. If you look at the severe financial hardship section of SuperGuide you will find a lot of helpful information about the rules for accessing super on the grounds of severe financial hardship and on compassionate grounds.

The severe financial hardship rules require you to be on a social security benefit (you apply via your super fund). The ‘compassionate grounds’ rules however generally relate to mortgage stress or medical need. You must apply to Centrelink, and you can find additional information on compassionate grounds on the Centrelink website here.

The following SuperGuide articles are the most relevant:

I hope things turn out okay for you.

IMPORTANT: SuperGuide does not provide financial advice. SuperGuide does not answer all questions posted in the comments section. SuperGuide may use your question or comment, or use questions from several readers, as the basis for an article topic that we publish on the SuperGuide website. We will not disclose names or personal information in these articles. Comments provided by readers that may include information relating to tax, superannuation or other rules cannot be relied upon as advice. SuperGuide does not verify the information provided within comments from readers. Readers need to seek independent advice about their personal circumstances.


  1. hi there i am in trouble with money issues i was wondering if i can go for $10,000 out of my account so i can finally fix my car up that needs a rebuild and need to catch up on my phone bills and stuff but i mainly need it for my car it does not work so i got transport

  2. Samantha says:

    Hi there. What I really want to know is can I use my super, to pay 4 weeks bond and 2 weeks rent for a new rental property as we have to move?

    Thanks for your time.

Leave a Comment