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.
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.
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.
BNZ KiwiSaver Scheme Annual Report 2018
Over the past year, we welcomed 35,073 new members and won Consumer NZ’s People’s Choice award for the second year running. See more highlights and achievements in our BNZ KiwiSaver Scheme 2018 Annual Report. PDF 2.8MB
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.
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.
Get your free five hundy, KiwiSavers!
If you can contribute just over $1,000 to an eligible KiwiSaver account, the Government will contribute an extra $521 for free. Here’s how it works.
Back-to-back People’s Choice award winner
The BNZ KiwiSaver Scheme has won the Consumer NZ People’s Choice award for overall customer satisfaction for the second year running, making it the first KiwiSaver scheme to win the award back-to-back.