Invest in a better future

Joining the BNZ KiwiSaver Scheme is a hassle-free way to start building your retirement nest egg or saving for your first home. Plus, there are great benefits to be enjoyed when you become a member.

Winner of the 2017 Consumer NZ People’s Choice award

The BNZ KiwiSaver Scheme scored the highest rating for overall customer satisfaction in Consumer NZ’s annual survey on KiwiSaver. It also received top customer satisfaction ratings for customer service, fees and ethical investments.

Bringing your future goals within reach

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 your contributions to help you purchase a first home. We created a First Home Buyer Fund specifically to help first home buyers reach this milestone. 

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.

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


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. Visit our How to join or transfer page.

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.    

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 can do this using our What kind of investor am I? tool.

Make the most of your KiwiSaver account


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. 

Keep up to date with the latest KiwiSaver news

Your KiwiSaver savings are going to play a significant part in your financial future, so it's important to stay informed with what's happening in the current market. It's your money, and there are things you can do now to maximise your first home or retirement savings.

Small Print

BNZ Investment Services Limited, a wholly owned subsidiary of BNZ, is the Issuer and Manager of the BNZ KiwiSaver Scheme. Download a copy of the BNZ KiwiSaver Scheme Product Disclosure Statement PDF 1.5MB, or pick up a copy from a BNZ store.

Investments made in the BNZ KiwiSaver Scheme do not represent deposits or other liabilities of BNZ or any other member of the National Australia Bank Limited group, and are subject to investment risk, including possible delays in repayment and loss of income and principal invested. None of BNZ, any other member of the National Australia Bank Limited group, the Supervisor, any director of any of them, the Crown or any other person guarantees (either fully or in part) the performance or returns of the BNZ KiwiSaver Scheme or the repayment of capital. 

BNZ Authorised Financial Advisers' Disclosure Statements are available on request and free of charge.

  1. You won't be able to access your KiwiSaver savings until you reach the age of eligibility for New Zealand, which is currently 65. If you're over 60 when you first join KiwiSaver, you can only access your KiwiSaver savings after five years.

  2. Fly Buys Programme terms and conditions apply, visit for details and to convert points. It may take up to 16 days for your contributions to show in the member’s BNZ KiwiSaver Scheme account. Fly Buys points and redemption rates are subject to change without notice. BNZ (and its related companies) do not guarantee the collection or redemption of Fly Buys points.

  3. BNZ’s Authorised Financial Advisers’ Disclosure Statements are available on request and free of charge.