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Joining KiwiSaver as an employee

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What
Most employees will be automatically enrolled if they are a New Zealand resident. If you are not enrolled, speak to your employer
Who
Residents between the ages of 18-65
When
From your employment start date
Rate
Choose from deduction rates of 3%, 4%, 6%, 8% or 10%

When you start a new job, your employer will automatically enrol you in KiwiSaver if you are eligible to be enrolled and:

  • you are between the ages of 18 and 65
  • your job is full time or permanent part-time
  • you have a contract of at least 28 days
  • you’re a casual agricultural worker for more than 3 months.

If you do not get automatically enrolled, you can ask your employer to join, or you can join directly with a KiwiSaver provider.

Your employer will give you a KiwiSaver information pack KS3.

You can choose the rate for your KiwiSaver deductions. They can be either 3%, 4%, 6%, 8%, or 10%. If you don’t choose a rate your employer will deduct 3%. Deductions begin from your first pay. Your employer will also make compulsory contributions.

You have 8 weeks to decide if you want to be in KiwiSaver or not. If you decide KiwiSaver is not for you right now, you can opt out.

When we get your deduction details from your employer, we’ll put you into either:

  • one of the 9 default KiwiSaver providers
  • your employer’s chosen scheme if they have one.

You can choose to change the scheme you belong to at any time. Just contact your preferred scheme provider and they'll arrange for you to transfer in to their scheme.

After 3 months, we’ll pay contributions to your scheme provider with interest.

When you will not be automatically enrolled

You will not be automatically enrolled in KiwiSaver if you are:

  • under 18 years old
  • a casual agricultural worker
  • an election day worker
  • a private domestic worker and you pay your own PAYE
  • employed under a temporary contract for less than 28 days - however, if the contract is extended beyond 28 days you will be automatically enrolled on day 29
  • a casual employee who receives holiday pay with your wages
  • on paid parental leave or accident compensation 
  • staying the same payroll  when a business is taken over or amalgamated
  • relocating with the same employer fore example transferring between branches
  • only getting schedular payments
  • not required to have PAYE deductions made from your salary and wages
  • going back to an employer you were seconded from straight after the secondment finishes
  • already employed as a teacher and transfer to another state or state integrated school
  • an employee of the New Zealand State Services working overseas
  • a shareholder employee and your income is not subject to PAYE.

Choosing a KiwiSaver provider

Opting out of KiwiSaver

If you are an existing employee

Ask your employer for a KiwiSaver information pack KS3 and complete the KiwiSaver deduction KS2 form. Give it to your employer and they will start your KiwiSaver deductions from your next pay. You can also join directly with a provider.

If you join directly with a provider you cannot change your mind and opt out.

If you have more than one employer

If you have more than 1 employer, you can tell your provider which one to deduct contributions from. Or you can leave it to us and we’ll tell your main employer to start making contributions.