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.

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.

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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. 

Great benefits of the BNZ KiwiSaver Scheme

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View your KiwiSaver account anytime

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

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Keep more of your money

We’ve removed our monthly member fee and made some changes to management fees which include reducing them on some funds, so you get to keep more of your money.

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Make your rewards count

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

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Our KiwiSaver support team is here to help

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

2019 Canstar Outstanding Value - KiwiSaver Scheme Provider

We’re proud to have won the 2019 Canstar Outstanding Value award for our KiwiSaver Scheme. This award recognises the benefits we provide our members, particularly our reduced fees and strong customer service.

Getting started

Whether you’re joining KiwiSaver for the first time or transferring from another KiwiSaver 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-branch. 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 the one that suits you best. You can do this with our Fund Finder tool or by reading about how the funds are performing.

Make the most of your KiwiSaver account

Your contributions

Your level of contribution will have a significant impact on your future savings, whether it’s 3%, 4%, 6%, 8%, or 10% 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 at a branch.

Government contribution

If you qualify for the Government contribution, you’ll receive 50 cents for every dollar you contribute to your KiwiSaver account, up to the maximum Government contribution of $521.43.

Wake up your KiwiSaver account

See how making a few small changes to your KiwiSaver account now, like changing your fund or contribution rate, can make a big difference to how much you could save for the future.

Significant financial hardship

If you’re experiencing significant financial hardship and have exhausted all other reasonable options, you may be able to withdraw all or some of your BNZ KiwiSaver Scheme account balance (with the exception of Government contributions).

Find out more

Your money is invested responsibly

The BNZ KiwiSaver Scheme is committed to a responsible investment policy that excludes companies involved in the production of cluster munitions, anti-personnel mines, nuclear weapons, and tobacco or tobacco products. More about our responsible investing.

Product Disclosure Statement 

BNZ Investment Services Limited, a wholly owned subsidiary of BNZ, is the Issuer and Manager of the BNZ KiwiSaver Scheme. A replacement Product Disclosure Statement for the BNZ KiwiSaver Scheme has been lodged at (search for BNZ KiwiSaver Scheme under ‘Disclose Register’).

Download a copy of the current BNZ KiwiSaver Scheme Product Disclosure Statement PDF 690kb, or pick up a copy from a BNZ branch.