Can I take money out of my personal social security account?

It can be taken out, but there are conditions.

The Social Security Act states that you can't take money out of your personal Social Security account just because you want to. But you can take it out if any of the following conditions are met.

1, the cumulative contributions to the pension insurance less than 15 years: after reaching the retirement age, if the cumulative contributions to the pension insurance less than 15 years, do not want to continue to pay, you can apply for withdrawal procedures. After the application is successful, the money in the personal account of the pension insurance will be returned to me in full.

2. Emigration: If you have canceled your household registration in China and emigrated to a foreign country, you can apply for a refund of your pension insurance when you leave the country or after you leave the country. After the application is successful, the money in the personal account of the pension insurance and medical insurance will also be returned to me in full.

3. Unfortunate death: If you die before or after retirement, you can take all the money out of your pension and medical insurance account. Generally speaking, the person who inherits this part of the money should be the beneficiary or legal heir designated by the deceased during his lifetime.