Managing your KiwiSaver account

As a member of an ANZ-managed KiwiSaver scheme, you're in control. 

Manage your account online

Stay on top of your KiwiSaver account online anywhere, anytime. With ANZ Internet Banking and goMoney, you can:

  • Check your balance.
  • View past transactions.
  • See how your KiwiSaver investment is performing.
  • Check which fund you’re invested in.
  • Check your Prescribed Investor Rate (PIR).
  • Make additional contributions by transferring money to your KiwiSaver account directly from your ANZ transaction accounts.
  • Switch funds and change your PIR (ANZ Internet Banking only).

Not registered for ANZ Internet Banking or goMoney?

Manage your contributions

Your contributions

There are two ways you can contribute to your KiwiSaver account:

  • Employee contributions: If you’re employed, your contributions come directly from your pay.
  • Voluntary contributions: You can make regular or lump sum contributions anytime.

Other contributions

As a KiwiSaver member, you may benefit from these contributions too:

  • Employer contributions: If you’re making employee contributions directly from your pay, your employer will generally also make contributions to your KiwiSaver account.
  • Government contributions: If you’re eligible, you can also receive contributions of up to $521 from the Government each year. Read about Government contributions.

Find out more

Making withdrawals

You can withdraw from your savings from your KiwiSaver account:


When you reach age 65

You can usually begin withdrawing your savings when you turn 65. 

If you first joined KiwiSaver (or a complying superannuation fund) before 1 July 2019, a five-year membership requirement also usually applies before you can begin withdrawing your KiwiSaver savings. 

You can opt out of the five-year membership requirement by making a retirement withdrawal. If you opt out, you’ll no longer be eligible to receive any Government contributions and your employer can stop their contributions.


To buy your first home

You may be able to withdraw your savings if you’ve been a KiwiSaver member for three years and you’re buying your first home.


If your circumstances change

You may be able to access your money early if you move overseas permanently, are experiencing significant financial hardship, have a serious illness, or have a life-shortening congenital condition.


Find out more

Transferring your Australian Super to your KiwiSaver account

If you worked in Australia at any time since 1992 and have an Australian superannuation scheme account, you may be able to transfer that money into your KiwiSaver account when you permanently emigrate from Australia to New Zealand.

Moving to Australia

If you’re planning to move to Australia permanently, or you’ve already done so, you may be able to transfer your KiwiSaver savings to an Australian Super scheme.

From overseas: +64 9 356 4000

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Important information

ANZ New Zealand Investments Limited ('ANZ Investments') is the issuer and manager of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme (together, the 'schemes'). Important information is available under terms and conditions. Download the guide and product disclosure statement.

If you first joined KiwiSaver (or a complying superannuation fund) before 1 July 2019, a five-year membership requirement also usually applies before you can begin withdrawing your KiwiSaver savings.

You can opt out of the five-year membership requirement by making a retirement withdrawal. If you opt out, you’ll no longer be eligible to receive any Government contributions and your employer can stop their contributions.