What Access My Super does

Access My Super is an Australian private service provider that assists individuals in obtaining early access to their superannuation on compassionate grounds to fund medical treatments. Founded in 2018 and headquartered in Surry Hills, NSW, the company handles the full Australian Taxation Office application lifecycle, including documentation preparation, submission, and monitoring, under a 'No Approval No Fee' success-based pricing model. Eligible customers must be Australian or New Zealand citizens or permanent residents with a qualifying medical condition, and treatments span eight specialized modules: dental, IVF, weight loss surgery, specialist procedures, disability modifications, hair loss, overseas medical, and mental health.

The company operates a direct-to-consumer model supplemented by a partner clinic network of thousands of healthcare providers across Australia who offer Access My Super as a patient payment option. Its underlying technology consists of a Patient Referrals Management System portal (clinics.accessmysuper.com.au) that enables partner clinics to manage patient applications, combined with secure telehealth infrastructure used to conduct required GP consultations remotely. A priority psychiatrist network supports documentation turnaround within 1-4 business days, aligning with typical ATO processing windows of around 14 days. Distribution is national, all-digital-by-default, with no physical touchpoints required for the customer.

Revenue is generated through success-based fees charged only on ATO approval, with the full fee retained on partial approvals and 80% retained if a client terminates after partial service delivery. The company reports a 4.9 Google rating across 1,174+ reviews and cites average total turnaround from application start to funds in account of approximately four weeks. No funding rounds, revenue figures, or management team disclosures are present in the available source material.

Name

Access My Super

Legal name

Access My Super

Website

https://accessmysuper.com.au

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Access My Super is an Australian private service provider that helps individuals obtain early access to their superannuation on compassionate grounds to fund medical treatments, handling the full ATO application process on a success-based fee model.

Ownership category

akta.pro rank

Headquarters

HQ city

Surry Hills

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Early Super Release Application Processing: Access My Super charges a fee for assisting customers with their ATO early release of superannuation application. The company operates a 'No Approval No Fee' policy - they only charge a fee if the application is approved by the ATO. If the application is partially approved, the full fee is still payable. If a client terminates the agreement prior to completion but services have been partially performed, AMS is entitled to 80% of total fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Access My Super is a service that helps Australian citizens and permanent residents obtain early access to their superannuation on compassionate grounds to fund medical treatments. The company prepares, submits, and monitors applications with the Australian Taxation Office (ATO) on behalf of customers, coordinates telehealth GP consultations, and provides priority access to specialist psychiatrists. It operates on a 'No Approval No Fee' policy, charging a fee only if the ATO approves the application.

Product overview

Access My Super is a unified service platform that helps Australians access their superannuation early on compassionate grounds to cover medical treatment costs. The core offering is the Early Release of Super application service, supported by specialized funding modules for Dental Treatment, IVF Treatment, Weight Loss Surgery, Specialist Medical Treatments, Disability Funding, Hair Loss Funding, Overseas Medical Treatment, and Mental Health Treatment. The company also provides a Patient Referrals Management System portal for partner clinics. Services include direct ATO submission, telehealth GP consultations, and priority psychiatrist appointments within 1-4 business days. The company operates on a 'No Approval No Fee' policy.

Differentiator

Problem solved

Functional benefit

Products and services

• Early Release of Super on Compassionate Grounds
• Dental Treatment Funding
• IVF Treatment Funding
• Weight Loss Surgery Funding
• Specialist Medical Treatments
• Disability Funding
• Hair Loss Funding
• Overseas Medical Treatment Funding
• Mental Health Treatment Funding
• Patient Referrals Management System

Quantifiable outcome

• Most applications processed by ATO within 14 days
• +1 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Partner Clinics (Healthcare Providers)coreChannel Partner/ Reseller/ DistributorAccess My Super has established a network of thousands of partner clinics across Australia. Healthcare providers including dental clinics, fertility clinics, weight loss surgery centers, mental health facilities, and other medical practices offer Access My Super as a payment option to their patients. There are no contracts or costs to clinics joining the network. The partnership benefits clinics by reducing administrative workload, enhancing patient experience, and improving patient acquisition and retention.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• AMP Limited: One of Australia's largest retail financial services groups offering superannuation, wealth management, and advice across a broad portfolio. Comparable as an incumbent that could absorb the early-release workflow into its existing super and advice offering.
• Insignia Financial: Major Australian financial advice and superannuation platform (formerly IOOF). Comparable as a broad incumbent with deep distribution and a customer base adjacent to Access My Super's, and as a potential consolidator of specialized financial intermediary services.
• Medibank Private: Largest Australian private health insurer. Comparable as a broad incumbent that already funds or administers medical treatment payments and could conceivably bundle early-release super support into its member services.
• Bupa Australia: Major private health insurer with a large Australian customer base that funds its own medical treatments. Comparable as a healthcare-adjacent financial intermediary whose products (health cover, extras) compete for the same customer's medical-spend dollar.

Others

• AustralianSuper: Australia's largest superannuation fund. Comparable as the entity holding the retirement savings that Access My Super's customers are accessing, and a potential channel partner or competitive entrant if it offered direct early-release services.
• SmartSalary: Australian salary packaging and employee benefits administration provider. Comparable as a related financial intermediary helping employees access their compensation and benefits efficiently, with overlapping customer segments.
• HESTA: Industry super fund for health and community services workers. Comparable as the upstream steward of the super balances Access My Super helps customers access, and as an entity that could itself offer early-release assistance to its members.
• H&R Block Australia: National tax preparation and lodgement franchise with the scale to add ATO early-release support as an adjacent service. Comparable as a licensed tax agent network that could absorb Access My Super's workflow.

Direct peers

• SuperCare: An Australian specialist early-release of superannuation service that assists patients with ATO compassionate grounds applications for medical treatments, operating on a similar process-facilitation model with partner clinic referrals.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/accessmysuper
• Facebookfacebook.com/accessmysuper
• Instagraminstagram.com/accessmysuper
• LinkedInlinkedin.com/company/access-my-super

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Access My Super