If you are eligible to join KiwiSaver

If you are eligible for KiwiSaver but not yet a KiwiSaver member you can enrol by:

asking your employer for a KiwiSaver employee information pack and completing a KiwiSaver deduction form

choosing a provider and signing directly with them.

If you're a salary or wage earner your employer may enrol you in KiwiSaver when you start a new job. You can stay enrolled, or you can opt out.

If you’re already employed but not a KiwiSaver member you can join either through your employer or through a KiwiSaver provider. Once you’ve joined, you will not be able to opt out.

If you stay enrolled you'll contribute either 3.5%, 4%, 6%, 8% or 10% of your before tax pay. If you do not choose a contribution rate, your employer will deduct the default rate of 3.5%. You'll contribute through wage deductions. If you're enrolled in KiwiSaver and under the age of 16, your employer will still deduct KiwiSaver.

If you're self-employed or not working, you can join KiwiSaver by contacting a KiwiSaver provider directly.

KiwiSaver providers