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Frequently Asked Questions

What’s the difference between KiwiSaver and Australian Superannuation?

Both are retirement savings schemes, but there are key differences:

• Compulsory contributions: In Australia, employers must contribute at least 11% (rising to 12%). In NZ, the minimum is 3%, gradually rising to 4% starting from April 1 2026.

• Access: KiwiSaver allows early withdrawals for first-home purchases, which Super does not. The retirement withdrawal age is 65 in New Zealand and 60 in Australia.

• Investment structures: Both offer a choice of funds, but rules and tax treatment differ. If you’ve worked in both countries, you may end up with savings in both systems.


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