Withdrawing your KiwiSaver money
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KiwiSaver withdrawals

You can withdraw the total of your KiwiSaver account balance when you reach the qualification age for New Zealand superannuation, currently 65.

Early withdrawal

You may be able to get to your KiwiSaver savings earlier in some cases. Examples include if you:

  • are buying your first home
  • are in significant financial hardship or have a serious illness
  • emigrate for good.

Other situations where your KiwiSaver money can be withdrawn early include:

  • by court order
  • when transferring eligible savings from overseas schemes
  • in the event of your death.

Conditions apply to all of these situations so not everyone will be eligible for an early withdrawal.

Find out more

Manage your money

Making contributions

Transferring into KiwiSaver

KiwiSaver withdrawals

Read about our free accidental death cover


If you have any queries or want to know more:

If you don't have a financial adviser, we can put you in touch with someone in your area.