Simplicity and convenience

KiwiSaver is a simple and convenient retirement savings option for employers and employees alike.

Your employees have a raft of KiwiSaver schemes to choose from. A preferred KiwiSaver scheme provider could be the most convenient option for you and your employees.

With so many KiwiSaver schemes available (including default KiwiSaver schemes), encouraging participation in a single KiwiSaver scheme could help make KiwiSaver in your workplace simpler.

Choosing the ANZ KiwiSaver Scheme can make administering KiwiSaver easier with streamlined processes, clear information and online and phone support via a dedicated ANZ team.

Choosing the ANZ KiwiSaver Scheme as your preferred scheme is simple. Just read and sign the ANZ KiwiSaver Scheme Preferred Provider Agreement form (PDF 48kB) and post or email it back to us. You can also call us on 0800 736 034 to request a copy of the form.

ANZ Investments will then instruct Inland Revenue that the ANZ KiwiSaver Scheme is your preferred scheme.

You'll be sent ANZ KiwiSaver Scheme start-up packs (which include the ANZ KiwiSaver Scheme guide and product disclosure statement) to provide to staff as required.


What do you have to do as an employer?

  • Within seven days of a new employee* starting work, provide them with a KiwiSaver information pack (supplied by Inland Revenue). If you have selected a preferred scheme such as the ANZ KiwiSaver Scheme, you will also need to provide:
    • the guide and product disclosure statement for your preferred scheme
    • a statement advising employees that they will be allocated to your preferred scheme if they do not choose their own KiwiSaver scheme.
  • Act on any opt-in requests, by providing information packs (and the guide and product disclosure statement if appropriate) to employees within seven days of them giving you a KiwiSaver deduction notice. Send all member details to Inland Revenue. If you choose the ANZ KiwiSaver Scheme, we will provide the information packs to you.
  • Deduct KiwiSaver contributions from each member's pay and forward these to Inland Revenue once a fortnight or month via PAYE.
  • Forward any opt-out requests to Inland Revenue, and refund any contributions deducted but not yet forwarded to Inland Revenue to any employee who opts out.
  • Act on any contributions holiday notices.

Employers are generally required to contribute 3% of an employee's before-tax pay if the employee is contributing to the ANZ KiwiSaver Scheme from his or her pay. This may change in the future if legislation changes.

See the ANZ KiwiSaver Scheme Preferred Provider Agreement form (PDF 48kB).

* Some exceptions apply, such as for employees who are already KiwiSaver members, or are employed by an exempt employer, or are under 18 or over 65.

Certain aspects of all KiwiSaver schemes, such as minimum contribution levels, the Government incentives and the circumstances in which benefits may be withdrawn, are prescribed in KiwiSaver legislation. The legislation may be amended from time to time by the Government and any such amendment may impact on the ANZ KiwiSaver Scheme.


ANZ New Zealand Investments Limited is the issuer and manager of the ANZ KiwiSaver Scheme. Important information is available under terms & conditions. Download the ANZ KiwiSaver Scheme guide and product disclosure statement, or enquire in any ANZ branch.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.