Te tūhono i a KiwiSaver
Joining KiwiSaver
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?
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 16 or 17, you need at least 1 legal guardian to co-sign your application. If you do not have a legal guardian, contact your chosen KiwiSaver scheme provider.
If you’re under 16, you need the consent of at least 1 of your legal guardians, who will contact your chosen scheme provider on your behalf. 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.