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Service changes and updates IR offices, myIR and phone lines (SPK2IR) are unavailable until the morning of Thursday 28 October for planned system maintenance. Find out more

Resurgence Support Payment (RSP) You will not be able to apply for the RSP in myIR until the morning of Thursday 28 October. Businesses affected by the alert level increase that started on 17 August can apply in myIR from 28 October. Applications for a 4th payment round are planned to open on 29 October. Find out more

Resurgence Support Payment (RSP) The government has announced an increase to the amount and frequency of the RSP from 12 November. Find out more

Te tūhono i a KiwiSaver Joining KiwiSaver

What
Rules and requirements for joining KiwiSaver
Who
Check if you're eligible for KiwiSaver
When
You will be automatically enrolled if you are eligible

You can join KiwiSaver if you’re both:

  • a New Zealand citizen, or entitled to live in New Zealand indefinitely
  • you live or normally live in New Zealand.

You cannot join KiwiSaver if you have a temporary, visitor, work or student visa.

There are different ways to join KiwiSaver. Depending on your situation you can enrol directly with a scheme provider. If you’re under 18, there are different rules.

Am I eligible to join Kiwisaver?

How to join KiwiSaver will depend on your situation. You can either enrol directly with a scheme provider or through your employer.
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Joining KiwiSaver if you’re under 18

If you’re under 18 you can only join KiwiSaver through a scheme provider. You cannot join through your employer.

If you’re between 16 and 17, you need at least one legal guardian to co-sign your application. If you don’t have a legal guardian, contact your chosen KiwiSaver scheme provider.

If you’re under 16, you need the consent of all your legal guardians. You cannot enrol yourself.

Joining KiwiSaver if you’re part of a trust, partnership or a shareholder employee

If your business is run through a trust, partnership or company, and you’re paid a salary or wage from which PAYE is deducted, you join KiwiSaver by enrolling either:

  • directly with a provider
  • through your business’ payroll.

If you’re not paid a salary or wage with PAYE deducted, you can enrol directly through a provider.

Holding your contributions when you're new to KiwiSaver

We hold your contributions for 2 months (62 days) from the date we're told you’re a new KiwiSaver member. After that we pass them on to your scheme provider. 

Last updated: 24 Jun 2021
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