KiwiSaver Government contribution

Boost your KiwiSaver account with up to $521 from the Government every year.

Cut off dates 2024

Contribute to your KiwiSaver account by 26 June to make sure your contribution is received in time for 30 June 2024, the last day of the Government contribution year. We also recommend reviewing any direct debit or automatic payments set-up to ensure they are received by this date as well.

What is the Government contribution?

If you’re eligible, the Government will contribute 50 cents for every dollar you contribute to your KiwiSaver account, up to a maximum of $521.43 each year. 

The Government contribution is calculated based on your employee and voluntary contributions between 1 July to 30 June each year, and is paid directly into your KiwiSaver account (usually by the end of August). Payments received after 30 June will be counted towards the next KiwiSaver Government contribution year.

Every little bit counts

Even a $10 contribution to your KiwiSaver account will get you $5 free from the Government. The more you contribute, the more you can get, up to $521.43.

Who is eligible?

You're generally eligible for the annual Government contribution if you: 

  • Are aged 18 to 64 (or older if you're not eligible for a retirement withdrawal)
  • Contribute to your KiwiSaver account, and
  • Mainly live in New Zealand. 

Don’t worry if you’re only eligible for part of the year (1 July to 30 June) – you’ll still get part of the Government contribution. The calculation of the amount will be based on the number of days in the year you were eligible.

You won't be eligible for the Government contribution if you make a life-shortening congenital conditions withdrawal.

How to make a contribution

Payment from a non-ANZ bank account

Remember to include your surname, date of birth and investor number (or ANZ customer number) in the payment details so we can credit your KiwiSaver account with the amount you contribute. 

ANZ KiwiSaver Scheme: ANZ KiwiSaver Clearing Account 01-0102-0952766-01
ANZ Default KiwiSaver Scheme: ANZ Default KiwiSaver Clearing Account 01-0102-0952803-01
OneAnswer KiwiSaver Scheme: OneAnswer KiwiSaver Clearing Account 01-0102-0952731-01

Tip: You can check which KiwiSaver scheme you’re in by logging into ANZ Internet Banking or the ANZ goMoney app, checking your account statements or letters you’ve received from ANZ Investments, or by getting in touch.

How to maximise the Government contribution

To get the maximum Government contribution of $521.43 each year, you need to make sure you contribute at least $1,042.86 yourself.

Need some help?

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Important information

ANZ New Zealand Investments Limited (‘ANZ Investments’) is the issuer and manager of the ANZ KiwiSaver Scheme. Download the guide and product disclosure statement or ask at any branch.

ANZ New Zealand Investments Limited is the issuer and manager of the ANZ Default KiwiSaver Scheme. The scheme is no longer a default scheme and is closed to new members. Important information about the ANZ Default KiwiSaver Scheme is available at and by searching ‘ANZ Default KiwiSaver Scheme’ on the offer register at

ANZ New Zealand Investments Limited is the issuer and manager of the OneAnswer KiwiSaver Scheme. Download the guide and product disclosure statement or ask at any branch.

ANZ Investments is not an authorised deposit taking institution (ADI) under Australian law and investments in each scheme aren’t deposits in or liabilities of ANZ Bank New Zealand Limited, Australia and New Zealand Banking Group Limited, or their subsidiaries (together ‘ANZ Group’). ANZ Group doesn’t stand behind or guarantee ANZ Investments. Investments in the schemes are subject to investment risk, including possible delays in repayment, and loss of income and principal invested. ANZ Group won’t be liable to you for the capital value or performance of your investment.

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 736 034, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see