Invest in a better future

Join the BNZ KiwiSaver Scheme and start building your retirement nest egg or saving for your first home. Plus, enjoy great benefits when you become a member.

Bring your goals within reach

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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.

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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

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View your KiwiSaver, anytime

See how your KiwiSaver savings are tracking and make changes to your account, when you want, using Internet Banking. 

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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.

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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. 

Getting 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'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. Read more on how to join or transfer.

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 the one that suits you best. You can do this with our Fund Finder tool or by reading about how the funds are performing.

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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.

Learn 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% 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. 

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.

Learn more

BNZ Investment Services Limited, a wholly owned subsidiary of BNZ, is the Issuer and Manager of the BNZ KiwiSaver Scheme. A Product Disclosure Statement for the BNZ KiwiSaver Scheme has been lodged at (search for BNZ KiwiSaver Scheme).

Download a copy of the current BNZ KiwiSaver Scheme Product Disclosure Statement PDF 1.5MB, or pick up a copy from a BNZ store.