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Transfer your Australian superannuation to New Zealand



If you've worked in Australia at any time since 1992, you may have some Australian super tucked away. The good news is, you can transfer that money into your KiwiSaver account when permanently emigrating from Australia to New Zealand.

Trans-Tasman Portability allows retirement savings held with some Australian complying superannuation schemes to be transferred to participating KiwiSaver schemes.

Your Australian provider(s) will be able to confirm if your Australian fund(s) can be transferred to a KiwiSaver scheme.

Reasons to transfer


You may be paying administration fees and unnecessary insurance premiums from your Australian super – all of which can eat away at your savings.

Keep better track of your retirement savings

You may have several Australian super accounts, as well as a KiwiSaver account. Bringing your retirement savings together into one account gives you a consolidated picture of your savings – and it’s easier to manage.

If you're a member of one of the ANZ KiwiSaver schemes, you’re in a great position to keep track of your retirement savings via ANZ Internet Banking or the goMoney app.

Know how much you have in local currency

With all your retirement savings in one place, you’ll know exactly how much your retirement savings are worth in your home country.

Other things to consider

Investment options

The investment options available to you in your Australian super accounts may differ from the investment options available in KiwiSaver. You will need to consider whether these different investment options suit your personal circumstances and risk profile. If you’ve transferred funds into the ANZ KiwiSaver Scheme, you can use our risk profile tool to help you decide which fund may be most suitable for you.

Insurance cover

Through membership of your Australian super accounts, you may have insurance against death, or illness or an accident which leaves you unable to return to work. If you have insurance cover attached to your Australian super accounts, your cover may cease if you transfer your Australian retirement savings to a KiwiSaver scheme. You should review your insurance to ensure you remain protected following a transfer. If you’d like to discuss your insurance options with ANZ call us on 0800 269 296.

Tax and other rules

The transfer of your retirement savings from Australia to New Zealand will not be subject to exit or entry taxes. Different tax rates and rules apply in each country – your retirement savings will be subject to the tax rules in New Zealand once transferred.

Once your Australian super has been transferred to a KiwiSaver scheme, those funds cannot be transferred to a third country.

Your Australian provider may charge a transfer fee. It is important that you check with them and factor this in when making a decision to transfer.

We recommend you seek independent tax advice in Australia and New Zealand.

How to transfer

Firstly you'll need to confirm you have superannuation in Australia, what the balance is and where it is held.

The Australian Tax Office (ATO) will be able to give you:

  • your Australian Tax File Number (TFN)
  • the names of all Australian providers you have an account with.

You can call the ATO on +61 2 6216 1111. You will need to provide them with your full name, date of birth, and address(es) where correspondence from the ATO might have been sent to you.

If you are classed as a "lost" member, your Australian provider(s) may have transferred your Australian balance to the ATO. The ATO will be able to confirm this for you.

Once you have located your Australian superannuation, you'll need to apply to each of those Australian provider(s) to start the process of transferring your funds to your KiwiSaver account.

Contact each of your Australian provider(s) directly to confirm the application form(s), statutory declaration and other documentation they may require to process your transfer and understand whether they will charge a transfer fee. Once you have supplied all of the required information, your Australian provider(s) have 30 days to assess your application. If approved, it may take a further 30 business days to send us the funds and a transfer confirmation statement.

If your Australian provider requires ANZ’s bank details to make a transfer please call 0800 736 034 Monday to Friday 8am to 6pm.

We recommend that you speak to a financial adviser so that you understand all of the consequences of making a transfer before making any decision.

If you’d like to transfer your Australian superannuation into the ANZ KiwiSaver Scheme and are not yet a member, you should read and consider the ANZ KiwiSaver Scheme product disclosure statement and guide. Find out more here.

If you need any further help, you can call us on 0800 736 034 or send us an email at

For further information, please see the relevant guide and product disclosure statement:

The guide and product disclosure statements are available by calling 0800 736 034. The ANZ KiwiSaver Scheme guide and product disclosure statement are also available from any ANZ branch.

Issuer and manager: ANZ New Zealand Investments Limited (‘ANZ Investments’) is the issuer and manager of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme.

Investments are not deposits in ANZ Group: Investments in the ANZ KiwiSaver Scheme or the ANZ Default KiwiSaver Scheme are not deposits in ANZ Bank New Zealand Limited,  Australia and New Zealand Banking Group Limited, or their subsidiaries (together 'ANZ Group'), nor are they liabilities of ANZ Group. ANZ Group does not stand behind or guarantee ANZ Investments. Investments are subject to investment risk, including possible delays in repayment, and loss of income and principal invested. ANZ Group will not be liable to you for the capital value or performance of your investment.

No guarantee: Investments in the ANZ KiwiSaver Scheme and ANZ Default KiwiSaver Scheme are not guaranteed by ANZ Group, any of its directors, or any other person.

For information only: This website has been provided for information purposes only and is subject to change. The content of this website is intended to be of a general nature and does not take into account an investor’s, or potential investor’s, financial situation, investment objectives, or risk tolerance.

Not investment advice: This website is not intended to constitute, does not constitute, and should not be construed as constituting, investment advice nor is it a substitute for commercial judgment or other professional advice. Investors, or potential investors, should: (i) conduct independent due diligence on any investments; and (ii) obtain independent investment and professional advice, including tax advice, prior to acting in reliance on this website.

For specific investors only: This website is intended for investors who understand the investment risks referred to on it. Some, or all, of the investments mentioned on this website may not be suitable for certain investors. Investors, or potential investors, should consider whether: (i) an investment is appropriate for their risk profile; and (ii) they will meet the suitability requirements relating to those types of investments.

Speak to a financial adviser: This website is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult a financial adviser, please call us on 0800 269 238 and we will provide you with the contact details for a financial adviser in your area. A financial adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008.

Past performance: Past performance does not indicate future performance. The actual performance any given investor realises will depend on many things, is not guaranteed and may be negative as well as positive.

How performance is calculated: Except for in the quarterly KiwiSaver fund updates (in which investment performance is calculated after fees and at a 28% prescribed investor rate), performance is after annual fund charges, and before tax and membership fees. The funds in respect of products mentioned on this website are portfolio investment entities (PIEs). Performance for funds operating before they became PIEs on 1 October 2007 has been recalculated to be on the same (pre-tax) basis. Returns for all periods longer than 1 year are annualised.

Unit prices: The unit price is calculated in accordance with the applicable governing document (each as amended, added to or replaced) for the ANZ KiwiSaver Scheme and ANZ Default KiwiSaver Scheme. The actual unit price that applies at the time a transaction request is received and accepted may differ from the unit price shown.