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.
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 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.
BNZ KiwiSaver Scheme Annual Report 2017
We helped 1,648 members buy their first home using their BNZ KiwiSaver savings last year – that’s 31 new home owners a week. See more of our highlights and achievements in our 2017 BNZ KiwiSaver Scheme Annual Report. pdf 1.3mb
Reap the benefits of the BNZ KiwiSaver Scheme
View your KiwiSaver, anytime
See how your KiwiSaver savings are tracking and make changes to your account, when you want, using Internet Banking.
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.
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.
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.
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
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.
