Under 18s

If you're under 18 years old, you may need your legal guardian(s) consent to join KiwiSaver.

Joining up

To join KiwiSaver you'll need to contact the scheme provider - you can't join through your employer.

If you're under 16 years old, all your legal guardians will need to give their consent.  You can't enrol yourself.

If you're aged 16 to 17 one of your legal guardians must co-sign your application form with you in order to enrol in KiwiSaver. If you don't have a legal guardian, you may enrol yourself directly with a scheme provider.

Find out more about how to join

Once you join KiwiSaver you can't opt out.

Once you turn 18 you're eligible for:

Normal fees charged by KiwiSaver providers will apply.

Making contributions if you're under 18

If you're not working:

You don't have to make KiwiSaver contributions, unless required by your KiwiSaver provider. You or your guardian(s) can choose to make voluntary contributions at any time.

If you start working:

You'll have to start contributing 3%, 4%, 6%, 8% or 10% of your pay like any other KiwiSaver member. You may be entitled to go on a savings suspension.