Frequently Asked Questions

Yes, everyone under 65 who is living (or normally living) in New Zealand, and is a New Zealand citizen or permanent resident can join, and we welcome children. It’s a great way to save for their first home and to teach them the importance of saving along the way. However, since the Government removed the $1,000 kick-start contribution there are no incentives for children under 18 to join. If you are not making contributions to your child's account then KiwiSaver is not recommended for under 18's.  

Is your child aged 16 or 17?

– If your child is already a member of a KiwiSaver scheme, or is married, in a civil union or de facto relationship, then they can sign alone.

– Otherwise both your child and one of their parent(s) or guardian(s) are required to sign the application.

– Your child will need to verify their identity. Identification is also required for the parent or guardian if they are required to sign the form with your child.

– Your child will also need to provide their IRD number.

Are you aged 15 and under?

– If your child is becoming a KiwiSaver member for the first time, both of their parent(s) or all of their guardian(s) are required to sign the application.

– If your child is already a member of a KiwiSaver scheme, one of their parent(s) or guardian(s) can sign if they have consulted and are acting in agreement with the childs other parent or all of the childs other legal guardian(s).

– Your child will need to verify their identity. Identification is also required for the parent(s) or guardian(s) who are signing.

– Your child will also need to provide their IRD number.