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KiwiSaver.
Set up your long-term and now-term with our strong performance, low fees, responsible investing and easy-to-use digital tools.
Why Westpac KiwiSaver Scheme.
Strong performance and expertise
Most of our funds were in the top 25% performing KiwiSaver funds in their categories for one and three year returns in the Morningstar KiwiSaver 360 report to 30 June 2026.*
Low fees
The more you pay in fees, the less money you’ll have for your future. We have low fees on average compared with other KiwiSaver providers.^
We take sustainable investment seriously
We take sustainable investment seriously and, as part of our approach, we look for investments that help reduce the carbon footprint of our funds. We've been recognised as a Responsible Investment Leader four times running by the Responsible Investment Association Australasia (RIAA)#.
Quick and easy – all in one place
Set up your future in just a few minutes with our easy-to-use digital tools. See your KiwiSaver balance, track your progress and change your settings as your goals change in Westpac One® digital banking.
Low fees make a difference.
Our fees are low, which means more of your money stays invested and working towards your future.
You can see in the graph how our KiwiSaver fees compare with the industry average across different fund types. For example, our Balanced Fund has a fund fee of 0.50% (50c per $100), compared to the industry average fee of 0.91% (91c per $100). On a $10,000 investment, that’s a difference of about $50 a year with us, versus $91 on average.
While the difference may seem small, over time lower KiwiSaver fees can make a big difference to how much you end up with.
This graph compares current fees for some of the Westpac KiwiSaver Scheme funds with the KiwiSaver industry average for the relevant diversified fund type. It uses data from Sorted Smart Investor as of 29 May 2026. We’ve shown five funds for simplicity, but all Westpac KiwiSaver Scheme fund fees are below the industry average in their category. The comparison shows fees over one year based on a $10,000 KiwiSaver balance. Your actual fees may be more or less, depending on your balance. Fees for both Westpac KiwiSaver Scheme funds and the industry average can change
Compare our KiwiSaver Funds.
Choosing the right fund for your life stage can add up to tens of thousands of dollars over time. To find the best fund for you, compare our funds by fee, return, risk and investment timeframe. Or get your fund recommendation with the Westpac KiwiSaver Scheme Fund Chooser.
Making a sustainable difference.
We’re proud to be recognised as one of New Zealand’s Responsible Investment Leaders from 2022 through to 2026 by the Responsible Investment Association Australasia (RIAA)1.
Our sustainable investment policy applies to all of BTNZ’s managed funds2, such as the Westpac KiwiSaver Scheme, so you can feel confident knowing that your investments are working towards building a more sustainable tomorrow.
Read more about how we invest sustainably and see how we’re tracking against our sustainable investment commitments in our 2025 BTNZ Sustainable Investment Report.
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.
It's easy to join online.
Know your fund choice
Know your IRD number
We take care of the rest
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.
Calculators & resources.
More resources
KiwiSaver Fund Chooser
Choosing the right fund for your life stage could add up to tens of thousands of dollars over time.
KiwiSaver Calculator
See how much your KiwiSaver balance could change by changing your contribution rate or fund.
Quick help.
Investment guides.
View all investment guides
Things you should know.
*Strong performance compares our funds’ overall performance to fund category peers in the Morningstar KiwiSaver 360 report for one and three year returns to 30 June 2026. Past performance is not a reliable indication of future performance.
^Comparing each of our funds’ fees to the average in its fund category at Sorted Smart Investor as at 9 Jul 2026. Fees can change over time.
#BTNZ is recognised as a Responsible Investment Leader 2026 by the Responsible Investment Association Australasia (RIAA). See our website for more information, including our Sustainable Investment Policy.
1 The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold a Financial Advice Provider licence.
2 Our sustainable investment policy applies to the investment management services provided by BT Funds Management (NZ) Limited, the investment arm of Westpac in New Zealand, including in relation to the Westpac KiwiSaver Scheme, Westpac Active Series, and Westpac Retirement Plan.
3 If eligible, your employer's contributions will be equal to 3.5% of your before-tax salary or wages. These contributions will be taxed before they're added to your KiwiSaver account.
Morningstar KiwiSaver 360 © 2026 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its affiliates or content providers; (2) may not be copied, adapted or distributed; (3) is not warranted to be accurate, complete or timely; and (4) does not constitute advice of any kind, whether investment, tax, legal or otherwise and 5) has been prepared for New Zealand wholesale clients of Morningstar Research Ltd, and is not intended for New Zealand retail clients. Neither Morningstar nor its content providers are responsible for any damages arising from the use and distribution of this information. Past performance is no guarantee of future results.
The Westpac KiwiSaver Scheme Fund Chooser and the advice it produces are provided by Westpac New Zealand Limited.
BT Funds Management (NZ) Limited is the scheme provider and 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.
For a copy of the Product Disclosure Statement or more information about the Scheme, contact any Westpac branch or call 0508 972 254 or from overseas +64 9 375 9978 (international toll charges apply). You can also download the Product Disclosure Statement.