In principle, it is not possible to withdraw from an individual-type DC (iDeCo).
You will receive retirement benefits usually from the age of 60.
However, you may receive a early lump-sum payment only if you meet all of the following requirements
(1) Under 60 years old
(2) No longer a participant in a corporate-type DC plan
(3) Not eligible to become a participant in an individual-type DC plan (*1)
(4) Not entitled to receive disability benefits
(5) The total contribution period (*2) is not less than one month and not more than five years, or individual asset amount (*3) is not more than 250,000 yen.
(6) Within two years from the date of loss of participant eligibility in a corporate-type DC plan or an individual-type DC plan
(*1) Example of ineligibility for an individual-type DC plan
・Those who are exempt from paying national pension premiums entirely or partially (Category I insured persons who have been granted public assistance, application exemption, special payment system for students, or contribution postponement system for limited income persons)
・Overseas residents who do not have Japanese nationality (for permanent residence or long-term visa holders, only those who do not plan to stay in Japan for a long period of time in the future. If you leave Japan with a re-entry permit or deemed re-entry permit, you must notify the municipality of your moving out.)
・Those who are enrolled in other pension plans such as DB (*1-a) (excluding those who are enrolled in corporate-type DC), and the amount obtained by deducting the amount equivalent to contribution amount in other pension plans such as DB from 55,000 yen is less than the minimum contribution amount (5,000 yen) to an individual-type DC plan.
(*1-a) Defined benefit pension plan, employees' pension fund, Coal Mining Pension Fund, Federation of National Public Service Personnel Mutual Aid Association, Pension Fund Association for Local Government Officials, Mutual Aid Association of Private School Personnel
(*2) To check the total contribution period: Log in to the AnswerNet ＞ Click on the "Benefit Information" tab ＞ "Total contribution period"
(*3) How to check the individual asset amount: Log in to the AnswerNet ＞Click on the "Account Information" tab ＞ "Vested Balance” for a corporate-type DC, Asset Balance for an individual-type DC.