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.

Log in to Internet Banking Join or transfer form

What to do before you transfer or join

Choose a fund

Use our guide to help discover which of the BNZ KiwiSaver Scheme funds might suit your needs and circumstances right now.

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%.

Working out your PIR

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.

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).