Joining directly with a KiwiSaver provider

You can choose to join the KiwiSaver scheme of your choice. You'll need to contact the provider of that scheme directly.

Once you choose to join KiwiSaver, you can't opt out.

Contact the KiwiSaver provider you want to join, and they will send you:

  • an application form to complete, and
  • their investment statement.

You'll need to tell your KiwiSaver provider how much you'll be contributing or which employers will be making deductions from your pay.

Salary and wage earners (employees)

Choose which employer(s) you want to deduct contributions from your pay, and tell your KiwiSaver provider.

If you don’t choose, Inland Revenue will contact your main employer(s) and ask them to start deducting contributions from your pay.

Not earning a salary or wage (non-employees eg self employed or stay-at-home parents)

Agree your contribution amount and any terms and conditions with your chosen provider – these may include fees and special rules.

If you later become an employee, contributions will be deducted from your pay, unless you take a contributions holiday.

Self-employed but also earning a salary or wage

Choose which employer(s) you want to deduct contributions from your pay, and tell your KiwiSaver provider.

If you join through a KiwiSaver provider and agree a contribution rate which you intend to deduct from your self-employed income, contributions will still be deducted from your salary or wages.

If you don't specify your employer(s), Inland Revenue will contact your main employer(s) and ask them to start deducting contributions from your pay.

After you join

When your application has been accepted, your KiwiSaver provider will notify Inland Revenue that you've been enrolled.

If you're an employee, Inland Revenue:

  • will tell your employer:
    • to start deducting contributions from your pay, and
    • that they will need to start making employer contributions
  • must hold your contributions for 3 months after receiving your first contribution
  • will pay interest on the contributions they hold.

If you're not a salary or wage earner, you'll either pay your contributions directly to your KiwiSaver provider or through Inland Revenue.

Does a KiwiSaver provider have to accept your application?

Default KiwiSaver schemes have to accept all applications. However some KiwiSaver providers have specific criteria for membership and have the right to refuse your application if you don't qualify. For example, a scheme can restrict membership to members of a particular trade union or industry.