Bring your 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 some of your contributions to help you purchase a first home. More about buying your first home with KiwiSaver.
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
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.
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.
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.
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.
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’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.
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%, 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.
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.
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 www.disclose-register.companiesoffice.govt.nz (search for BNZ KiwiSaver Scheme under ‘Disclose Register’).
BNZ KiwiSaver Scheme help and support
If you need some help call 0800 269 5494
- Withdrawing funds due to financial hardship
- Buying a home with KiwiSaver
- Get the most out of your BNZ KiwiSaver account
- Make changes to your BNZ KiwiSaver account
- Work out your prescribed investor rate (PIR)
- How funds are managed
- Transfer your savings to New Zealand
- Transfer your savings overseas
- BNZ KiwiSaver Scheme fund updates