When you start a new job

If you're not already a member and are eligible to join, in most cases you'll be automatically enrolled when you start your new job.

When you're already in KiwiSaver

You'll need to let your new employer know and they'll pass your contributions directly on to Inland Revenue to transfer to your KiwiSaver provider. If you're self-employed you'll need to contact your KiwiSaver provider directly.

When you're not a member

Automatic enrolment

If you're not already a KiwiSaver member and are eligible to join, in most cases you'll be automatically enrolled when you start your new job. You'll be provisionally allocated to your employer's chosen scheme if they have one, otherwise to one of the 5 default KiwiSaver schemes.

You can choose to opt out between the end of the second and eighth week of starting your new job by telling your employer or Inland Revenue.

If you choose to stay in KiwiSaver, you don't have to do anything else if you don't want to. Your contributions will automatically start from your first pay at 3% (unless you have chosen to contribute at 4% or 8%) of your before-tax pay. Your employer will contribute 3%.

You have 3 months from the date of your first contribution to select your own KiwiSaver scheme to invest your funds with. During this time Inland Revenue will hold on to your contributions and pay interest on them. If you don't select your own scheme you'll stay with the one you were provisionally allocated to.

Choosing to join

Not everyone is eligible for automatic enrolment. If you're not automatically enrolled when you start a new job, you may still be able to join KiwiSaver by getting in touch with a KiwiSaver provider.