BNZ KiwiSaver Scheme

Whether you’re saving for a first home or preparing for retirement, KiwiSaver can help you provide for a better future.

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Helping you reach your big goals

KiwiSaver is a voluntary savings scheme set up by the Government, to help New Zealanders save for retirement.

Taking control of your future

Whether you’re starting out in a new job, already in a KiwiSaver scheme, or some years away from retirement, taking control of your KiwiSaver account now could mean more money saved for your future goals.

Calculate what you could save

Buying your first home

Once you’ve been a KiwiSaver member for at least three years, you may be able to withdraw some of your savings to help you buy your first home.

Buying your first home with KiwiSaver

Enjoying retirement

KiwiSaver provides flexibility to manage and grow your savings for a more comfortable retirement. Once available, you can withdraw all your savings^, or partial amounts to help support you over time.

KiwiSaver options from age 65

Benefits of the BNZ KiwiSaver Scheme

Low fees

No monthly member fee and low management fees mean you get to keep more of your money.

More about management fees

Fund options & performance

We have a range of funds to choose from including one specifically designed for first home buyers. All funds are managed by experts who have a track record of delivering for investors.

Compare all our funds

Responsible investing

Investing responsibly can benefit communities and the environment. It may lead to sustainable returns, supporting the long-term interests of investors.

More about responsible investing

Transfer or join in minutes

BNZ customers - It’s quicker and easier to join or transfer to the BNZ KiwiSaver Scheme, by logging in to Internet Banking and clicking on ‘Apply now’ in the menu list.

New to BNZ or KiwiSaver - It will only take a few minutes to complete our online application form.

Articles and blogs

Choosing the right KiwiSaver fund for your life stage

KiwiSaver isn’t set-it-and-forget-it. Find out the importance of regularly reviewing your KiwiSaver fund choice, and the best times in life to do it.

How to make the most of KiwiSaver

Five tips that will get you off to a great start in terms of securing your financial future.

KiwiSaver market insights and blogs

BNZ blogs, industry insights and media updates about KiwiSaver.

Experiencing significant financial hardship

If you’re experiencing significant financial hardship and have tried 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).

Product Disclosure Statement

A replacement Product Disclosure Statement for the BNZ KiwiSaver Scheme has been lodged at www.disclose-register.companiesoffice.govt.nz (search for BNZ KiwiSaver Scheme under ‘Disclose Register’). Download a copy of the current BNZ KiwiSaver Scheme Product Disclosure Statement PDF 1MB, or pick up a copy from a BNZ branch.

BNZ KiwiSaver Scheme help and support

If you need some help call 0800 269 5494.

See all KiwiSaver help and support