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Making payments directly to my KiwiSaver


You can make payments to KiwiSaver voluntarily at any time. You may want to top up to get more of the government contribution. Once you've made a voluntary payment it's 'locked in until you're eligible to withdraw your savings (currently 65).

You can make voluntary payments directly to:

  • your scheme provider
  • us with the ‘Pay tax’ function offered by most New Zealand banks.

In the first 3 months after you join KiwiSaver

If you have not chosen a KiwiSaver scheme, any extra contributions you make need to be paid through us in your first 3 months.

We'll pay interest on these contributions. The interest rate is currently 0.72% after tax.

The tax is deducted before the interest is paid into your account - it becomes exempt income for tax purposes. The interest will be paid to your scheme provider along with your contributions.

Make a payment