Frequently Asked Questions

Yes. Children can join KiwiSaver as long as they live in New Zealand and are a New Zealand citizen or permanent resident.

KiwiSaver can help set your child up for the future - whether that’s saving for their first home or learning great savings habits early.

Things to know

• The Government no longer provides the $1,000 kick-start for new members.

• From 1 July 2025, the annual Government contribution will only be available to members aged 16 and over.

What you’ll need

• Your child’s IRD number

• Proof of identity for your child (Birth Certificate or Passport)

• Proof of identity for the parent/guardian signing the application

• Proof of address for the parent/guardian (must match the child’s address on the application)

Who needs to sign

• Children aged 15 and under

o Only one parent or guardian needs to sign the application.

o If your child is already a KiwiSaver member, one parent/guardian can also sign on their behalf.

• Children aged 16–17

o If your child is already a KiwiSaver member, or is married/in a civil union/de facto relationship, they can sign on their own.

o Otherwise, your child and one parent or guardian must sign the application together.

How to apply

1. Gather your child’s IRD number and required identity documents (for both child and parent/guardian).

2. Complete the online application form or download our Product Disclosure Statement and use the paper form at the back.

3. Upload or provide copies of the ID documents with the application.

4. Submit the application — our team will be in touch if we need anything further.

Once approved, your child will officially be a Generate KiwiSaver member, and contributions can begin.