Accessing your money

KiwiSaver is primarily designed to help you save for your retirement, most of the time your KiwiSaver savings are only available to you when you turn 65 and you've been a member for at least five years.

If your circumstances change

In certain situations you can apply to withdraw some or all of your funds early. You can only withdraw from the scheme if you meet one of the following criteria:

How much can you apply to withdraw?

Depending on what type of withdrawal you’re applying for there are certain amounts you can and can’t withdraw.

Withdrawal type

Your Contributions
Employer Contributions
Member tax credits
Kickstart contribution (if any)
Superannuation savings transferred from Australia
Retirement (Qualifying Age)
Your Contributions
Employer Contributions
Member tax credits
Kickstart contribution (if any)
Superannuation savings transferred from Australia
Purchase of first home or second chance home buyer
Your Contributions
Employer Contributions
Member tax credits
Kickstart contribution (if any)
Superannuation savings transferred from Australia
Purchase of first home or second chance home buyer
Your Contributions
Employer Contributions
Member tax credits
Kickstart contribution (if any)
Superannuation savings transferred from Australia
Serious illness
Your Contributions
Employer Contributions
Member tax credits
Kickstart contribution (if any)
Superannuation savings transferred from Australia
Permanent emigration overseas
Your Contributions
Employer Contributions
Member tax credits
Kickstart contribution (if any)
Superannuation savings transferred from Australia
Permanent emigration to Australia
Your Contributions
Employer Contributions
Member tax credits
Kickstart contribution (if any)
Superannuation savings transferred from Australia
Death
Your Contributions
Employer Contributions
Member tax credits
Kickstart contribution (if any)
Superannuation savings transferred from Australia
Retirement withdrawal of transferred Australian savings from 60 years old
Your Contributions
Employer Contributions
Member tax credits
Kickstart contribution (if any)
Superannuation savings transferred from Australia

For further information please refer to the PDS.