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Westpac KiwiSaver Scheme.
Build a tomorrow that’s greater for Future You in just five minutes with the Westpac KiwiSaver Scheme.
Why Westpac KiwiSaver Scheme.
Fair fees
We believe in fair and transparent fees. We have some of the lowest KiwiSaver fees in New Zealand1, so you keep more of the money you invest for Future You.
Easy to get started
In just a few minutes, set up Future You with our easy-to-use digital tools. See your KiwiSaver balance, track progress and change your settings as your goals change.
Investment expertise
Our size and expertise are a big advantage when it comes to negotiating better deals for our funds. Our goal is to deliver strong long-term investment returns so that every dollar you invest in KiwiSaver is working hard for Future You.
Make a sustainable difference
All our funds are managed in line with our sustainable investment policy. Our key sustainable theme is climate action, and we invest in companies that are energy efficient or provide innovative climate solutions. Build a greater tomorrow for all with a responsible investment leader2.
KiwiSaver Calculator.
The small things you do today could make a big difference to your future. Use our calculator to see how much you could have and the difference small changes to your contribution rate or your choice of fund could make to Future You.
Compare our funds.
Make sure you’re in the right KiwiSaver fund for you and your goals – a simple fund change could add tens of thousands of dollars to your balance over time. Take a few minutes now to compare the returns and fees of our Westpac KiwiSaver Scheme funds or get your fund recommendation.
Our Westpac KiwiSaver Scheme High Growth Fund is here.
Check out our new Westpac KiwiSaver Scheme High Growth Fund. This fund aims to provide the highest returns of all Westpac KiwiSaver Scheme Funds over the long term. Learn more to see if it’s right for you or compare all our funds.
KiwiSaver & me.
Want to know how Kiwisaver works? It's all here.
You, your employer and the Government can all make contributions to your KiwiSaver account.
Use your KiwiSaver savings to get into your first home sooner.
How to access your savings, carry on growing your investment, or do a bit of both.
Contributions plus investment returns (the money your money makes for you) is the easiest way to grow your KiwiSaver balance significantly over time.
Check your fund and contributions are right for you and your life stage by using our calculators.
Join or transfer.
To get started, you'll need to be a New Zealand citizen or permanent resident living or normally living in New Zealand and have your IRD number. Find this easily through Inland Revenue or on your payslip.
Westpac customer with digital banking
Login to Westpac One® digital banking to apply to join the Westpac KiwiSaver Scheme. If you’re under 18, you’ll need to download the form below or contact us.
New to Westpac or don't have digital banking
Download and complete the form at the end of the Product Disclosure Statement. Then return it to us with any supporting documents by mail or drop it into any Westpac branch.
Talk to a KiwiSaver Specialist
Simply call us weekdays between 8.30am and 5pm on NZ: 0508 972 254. If calling from overseas: +64 9 375 9978 (international toll charges apply).
Investment guides.
View all investment guidesQuick help.
Things you should know.
1 This claim is based on our review of annual fund charges across a range of fund types (e.g. conservative, balanced, and growth) offered by a comparison group of 15 KiwiSaver providers, with a range of investment styles including active, passive and blended (both active and passive).
2 Recognised as one of New Zealand’s Responsible Investment Leaders for 2022 and 2023 by the Responsible Investment Association of Australasia (RIAA).
3 Your employer's contributions will be equal to 3% of your before-tax salary or wages. These contributions will be taxed before they're added to your KiwiSaver account.
BT Funds Management (NZ) Limited is the scheme issuer and Westpac New Zealand Limited is a distributor, of the Westpac KiwiSaver Scheme (Scheme).
The information above is subject to changes to government policy and law, and changes to the Westpac KiwiSaver Scheme from time to time.
Investments made in the Scheme do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac Group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac Group of companies, The New Zealand Guardian Trust Company Limited (as supervisor), or any director or nominee of any of those entities, or any other person guarantees the Scheme's performance, returns or repayment of capital.