Choose a fund
Use our guide to help discover which of the BNZ KiwiSaver Scheme funds might suit your needs and circumstances right now.
Join or transfer to the BNZ KiwiSaver Scheme
It only takes a few minutes to join or transfer your KiwiSaver savings to us. If you’re a BNZ customer, simply log in to Internet Banking and select Apply Now, then choose BNZ KiwiSaver Scheme. Otherwise, complete our online form.
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What to do before you transfer or join
Read our guide to KiwiSaver funds
Select a PIR
Select a Prescribed Investor Rate (PIR), which we’ll use to work out how much tax you’ll pay on your share of the BNZ KiwiSaver Scheme’s taxable income. If you don’t choose a PIR, we’ll apply the highest PIR which is currently 28%.
Consider scheme differences
If you’re transferring from another KiwiSaver scheme, consider any differences in the product terms, fees, investment style, risks, and benefits.
Read the BNZ KiwiSaver Scheme Product Disclosure Statement (PDF 1MB).
How to join or transfer
If you’re already a KiwiSaver member, we take care of transferring your savings from another KiwiSaver scheme as part of your application to join or transfer to us^.
18 years or older
There are three ways to join the BNZ KiwiSaver Scheme.
- BNZ customers can log in to Internet Banking and select Apply Now, then choose BNZ KiwiSaver Scheme.
- Complete our online application form.
- Visit one of our branches and we’ll take you through the process and make the transfer for you.
Under 18 years old
Complete the application form at the end of the BNZ KiwiSaver Scheme Product Disclosure Statement (PDF 1MB) and take it to your nearest BNZ branch together with identification documents for you and one of your parents or guardians.
- If you are under 16 years old, one parent or legal guardian, or one Oranga Tamariki guardian, must sign the application.
- If you are aged 16 or 17, you and one parent or legal guardian (including Oranga Tamariki guardian) will need to sign the application form (unless you are married, in a civil union or a de facto relationship, in which case only you must sign).
BNZ KiwiSaver Scheme help and support
If you need some help call 0800 269 5494.
- BNZ KiwiSaver Scheme fund updates
- Getting the most out of your KiwiSaver account
- Transferring savings from overseas to your KiwiSaver account
- BNZ KiwiSaver Scheme fees explained
BNZ Investment Services Limited, a wholly owned subsidiary of Harbour Asset Management Limited, is the Issuer and Manager of the BNZ KiwiSaver Scheme. Download a copy of the BNZ KiwiSaver Scheme Product Disclosure Statement PDF 1MB, or pick up a copy from a BNZ branch.
Investments in the BNZ KiwiSaver Scheme are not bank deposits or other liabilities of Bank of New Zealand (BNZ) or any other member of the National Australia Bank Limited group. They are subject to investment risk, including possible delays in repayment. You could get back less than the total contributed. No person (including the New Zealand Government) guarantees (either fully or in part) the performance or returns of the BNZ KiwiSaver Scheme or the repayment of amounts contributed. National Australia Bank Limited, the ultimate owner of BNZ, is not a registered bank in New Zealand but a licensed bank in Australia and is not authorised to offer the products and services mentioned on this webpage to customers in New Zealand.
BNZ Investment Services Limited (BNZISL) uses the BNZ brand under licence from Bank of New Zealand, whose ultimate parent company is National Australia Bank Limited. No member of the FirstCape group (including BNZISL) is a member of the NAB group of companies (NAB Group). No member of the NAB Group (including Bank of New Zealand) guarantees, or supports, the performance of any member of FirstCape group’s obligations to any party.
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