Who can join KiwiSaver
Most New Zealanders under 65 can join KiwiSaver, but you won't get employer or government contributions if you're under 18.
KiwiSaver is a voluntary savings scheme designed to help New Zealanders save for their retirement.
You can join KiwiSaver if you're:
- under 65
- normally resident in NZ, and
- an NZ citizen or permanent resident — this includes Australian citizens, and people who have either a New Zealand or Australian residence permit.
If you work overseas, you may also be able to join if, for example you're working for the New Zealand Government.
If you start a job, it's your employer's responsibility to check that you're eligible.
If you join through a KiwiSaver provider, then they must check that you're eligible before signing you up for the scheme.
If you're under 18
Enrol directly with a KiwiSaver provider.
If you're 16 or 17, one of your parents or your legal guardians must sign the application form with you.
If you're under 16 both of your parents or legal guardians need to give their consent — you can’t enrol by yourself.
You won't receive government or employer contributions until you're 18.
If you're between 60 and 65
If you join KiwiSaver when you’re between 60 and 65 years old, you have to be a member for at least 5 years before you can draw down your savings.
You can't join KiwiSaver once you turn 65.