Invest in a better future

Join the BNZ KiwiSaver Scheme and start building your retirement nest egg or saving for your first home. Plus, enjoy great benefits when you become a member.

Join or transfer now See what you could save

Bring your goals within reach

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Buying your first home

Once you’ve been a member of a KiwiSaver scheme for at least three years, you may be able to withdraw some of your contributions to help you purchase a first home. More about buying your first home with KiwiSaver.

Get a KiwiSaver first home withdrawal estimate
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Saving for retirement

KiwiSaver was created to help New Zealanders save for retirement. Your KiwiSaver savings will generally be locked away until you reach retirement^. Once available, you can withdraw everything in your KiwiSaver account or take out partial amounts over time. 

Calculate how much you could save for retirement

Let’s get started

Whether you’re joining the BNZ KiwiSaver Scheme for the first time or transferring from another scheme, we want to make it as easy as possible.

Join or transfer

If you're an existing BNZ customer you can join the BNZ KiwiSaver Scheme through Internet Banking. If you're new to BNZ, you can apply online or in-store. Read more on how to join or transfer.

Automatically enrolled?

If you’ve been automatically enrolled in the BNZ KiwiSaver Scheme by your employer or Inland Revenue, you can still decide how you want to manage your KiwiSaver account. Find out more.

Choose your fund

You have a choice of six different funds and you need to choose one that's right for you. You could do this with our What kind of investor am I? tool or by reading about how the funds are performing.

BNZ KiwiSaver Scheme Annual Report 2018

Over the past year, we welcomed 35,073 new members and won Consumer NZ’s People’s Choice award for the second year running. See more highlights and achievements in our BNZ KiwiSaver Scheme 2018 Annual Report. PDF 2.8MB

Reap the benefits of the BNZ KiwiSaver Scheme

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View your KiwiSaver, anytime

See how your KiwiSaver savings are tracking and make changes to your account, when you want, using Internet Banking. 

Make changes in Internet Banking
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Make your rewards count

With the BNZ KiwiSaver Scheme you can use your Fly Buys points^ and BNZ Advantage Cash Rewards to turn everyday spending into KiwiSaver savings.

Get the most out of your rewards
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Access to expertise

You have unlimited, free access to the expertise of BNZ Authorised Financial Advisers^, so you can get help with your choices if you need it. 

Find out more about our funds

Make the most of your KiwiSaver account

Contributions

Your level of contribution will have a significant impact on your future savings, whether it's 3%, 4% or 8% of your before-tax pay, or any voluntary contributions you make. 

Make sure you're in the right fund

The fund you started out in may not be the best for your current circumstances, and it's easy to change your investment fund via Internet Banking or in store.

Annual Government contribution (Member Tax Credit)

Every year you make contributions over a certain level, you could receive a Member Tax Credit worth up to $521.43 from the Government. 

Find out more Make changes in Internet Banking
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Get your free five hundy, KiwiSavers!

If you can contribute just over $1,000 to an eligible KiwiSaver account, the Government will contribute an extra $521 for free. Here’s how it works.

Learn more

Back-to-back People’s Choice award winner

The BNZ KiwiSaver Scheme has won the Consumer NZ People’s Choice award for overall customer satisfaction for the second year running, making it the first KiwiSaver scheme to win the award back-to-back.