What Happens to Your Super When You Leave Australia?

Why It Matters

If you worked in Australia as a temporary resident, chances are your employer contributed money into a superannuation fund (super). Many people leave Australia without realising they may be entitled to claim this money back. Knowing how the rules work ensures you don’t miss out on funds that belong to you.

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Superannuation Basics for Foreign Workers

• Employers in Australia must pay super contributions on top of your wages if you earn more than a set threshold.
• These contributions go into a superannuation account, which is designed to support retirement.
• Even if you were only in Australia for a short time, super is still paid for you.

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Departing Australia Superannuation Payment (DASP)

When you leave Australia permanently and your visa has expired, you may be able to apply for a Departing Australia Superannuation Payment (DASP).

To be eligible:

• You must have been on a temporary visa (such as working holiday, student, or temporary work visa).
• You must have left Australia and your visa must no longer be valid.
• You are not an Australian citizen, permanent resident, or New Zealand citizen.

How Much Can You Get Back?

The amount you receive depends on your super balance minus tax withheld.

• Tax rates apply to DASP payments, and they are generally higher than standard tax on super.
• For working holiday makers, tax rates are even stricter: 65% of your DASP is withheld as tax.
• For other temporary residents, tax is lower but still significant (between 35–45% depending on components).

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How to Claim Your Super

1. Check your super fund details – You will need your fund name and account number.
2. Apply online – The easiest way is through the ATO’s DASP online application system.
3. Provide identification – Passport details and visa information are usually required.
4. Payment – Once approved, the super fund will send your payment minus the withholding tax.

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Common Issues to Avoid

• Forgetting to apply after leaving – unclaimed super may eventually be transferred to the ATO.
• Giving the wrong bank details – international transfers may be delayed or incur fees.
• Not checking multiple funds – if you worked for different employers, you may have more than one super account.

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Final Thoughts

Your superannuation is part of your pay, and it’s important not to leave it behind when you leave Australia. While tax does reduce the final amount, claiming your super through the DASP process ensures you receive what you’re entitled to.

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