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Te whiwhi i taku pūtea KiwiSaver ko te poharatanga te take Getting my KiwiSaver funds for significant financial hardship

What
You may be eligible to withdraw KiwiSaver funds early if you are experiencing financial hardship.
Who
Those suffering financial hardship.

Contact your scheme provider for the correct form to complete to make a hardship withdrawal. You only need to apply to us if you're within the first 2 months of your KiwiSaver membership.

To withdraw funds you will need to provide evidence you are suffering significant financial hardship.

If your application is accepted you can only withdraw your and your employer’s contributions. 

If you do not pay KiwiSaver contributions through an employer – go straight to your provider.

Significant financial hardship includes when you:

  • cannot meet minimum living expenses
  • cannot pay the mortgage on the home you live in, and your mortgage provider is seeking to enforce the mortgage
  • need to modify your home to meet your special needs or those of a dependent family member
  • need to pay for medical treatment for yourself or a dependent family member
  • have a serious illness
  • need to pay funeral costs of a dependent family member.

Stopping KiwiSaver deductions

If you want to stop any further contributions being made from your salary or wages, you must apply for a savings suspension. You can apply for a savings suspension within the first 12 months if you’re experiencing, or likely to experience, financial hardship.

After your first 12 months of membership you can apply for a savings suspension regardless of your financial situation.

Taking a savings break