FAQs

Transferring to the Hive KiwiSaver Scheme is straightforward. When you join, we'll handle the transfer from your existing provider on your behalf. It typically takes a week or so to complete.

The Hive KiwiSaver Scheme offers a range of investment options across four fund managers — from defensive and conservative options through to growth and aggressive funds, as well as goal-based strategies for first home buyers and those saving for retirement. Once you've chosen the options that are right for you, that becomes your Plan. You can explore all available options on our KiwiSaver page.

The Hive KiwiSaver Scheme works with four specialist fund managers — Aurora Capital, Pie Funds, Harbour Asset Management and Munro. Each brings a different investment approach, giving you access to a wider range of strategies than a typical KiwiSaver provider.

The best way to choose is to talk to an Adviser — they can look at your goals, timeframe, and circumstances and help you find the right fit. You can also use our KiwiSaver Calculator to see how different options could affect your savings.

You can find full details of the Hive KiwiSaver Scheme fees on our Fees page.

Yes — you can review and change your Plan at any time through the Hive platform or app. If you'd like guidance before making a change, your Adviser can help you think it through.

Yes — if you've been a KiwiSaver member for at least three years, you may be able to withdraw most of your savings to put towards buying your first home. We recommend speaking with an Adviser to understand your options before making a withdrawal.

Once you reach the age of 65, you have a few options — you can leave your savings invested and set up regular payments to supplement your income, withdraw money as and when you need it, or withdraw everything in one go. An Adviser can help you plan the best approach for your situation.

If you're employed, contributions are automatically deducted from your pay at your chosen rate — either 3.5%, 4%, 6%, 8% or 10% of your before-tax salary. Your employer will also contribute a minimum of 3.5% on top of that. If you're self-employed or not in paid employment, there's no minimum requirement — you can contribute whatever amount works for you. Either way, the easiest and most secure way to make additional or one-off contributions is by adding Hive KiwiSaver Scheme as a bill payee in your internet banking: • Log in to your online banking • Go to the payment section and add a new payee • Search for Hive KiwiSaver Scheme • Enter your Hive account number as the reference Or use the account details below: Bank: BNZ Account Name: Hive KiwiSaver Scheme Account Number: 02-0506-0258842-000 Reference: Your Hive KiwiSaver account number

Yes — you can set your children up with a Hive KiwiSaver Scheme from birth. Setting up KiwiSaver early gives your child a head start on building savings for their future. You'll need to be the parent or legal guardian of the child.

Until a child turns 18, their KiwiSaver account is managed by their parent or guardian. Once they turn 18 they will manage it themselves.

You can make a one-off or regular contribution to your child's account at any time. Your child can also contribute themselves. The easiest and most secure way to make contributions to your child's account is by adding Hive KiwiSaver Scheme as a bill payee in internet banking: • Log in to online banking • Go to the payment section and add a new payee • Search for Hive KiwiSaver Scheme • Enter your child's Hive account number as the reference Or use the account details below: Bank: BNZ Account Name: Hive KiwiSaver Scheme Account Number: 02-0506-0258842-000 Reference: Your child's Hive KiwiSaver Scheme account number Contributions may take a couple of days to appear.

From age 16, if your child is working and contributing at least 3.5% to their KiwiSaver account, their employer must also contribute a minimum of 3.5% of their before-tax pay — regardless of whether they work full time, part time, or casually.

To receive the full amount, you’ll need to meet the eligibility criteria and contribute at least $1,042.86 to your KiwiSaver between 1 July and 30 June. If you contribute less, you’ll still receive a portion — the government matches what you put in at the same rate.

The government contribution is usually paid into your KiwiSaver account in July or August, after the end of the KiwiSaver year on 30 June.

No — it’s paid automatically as long as you’re eligible.

You can get the government contribution if you meet a few key requirements. You need to: • be a member of KiwiSaver • be contributing during the year • be aged between 16 and 64 • live mainly in New Zealand • Have taxable income of $180,000 or less each year

No, you don’t need to be employed. If you’re self-employed, studying, on parental leave, or not currently in paid employment, you can still qualify as long as you meet the criteria and make contributions.

Only your own contributions count towards the government contribution. Employer contributions don’t count towards the $1,042.86 threshold. If you have transferred money from an Australian Super, that doesn't count either.

It’s still worth contributing whatever you can. The government will match your contributions at 25 cents for every dollar, so even smaller amounts will receive a top-up.

The government contribution is a yearly payment made to eligible KiwiSaver members. The government adds 25 cents for every dollar you contribute, up to a maximum of $260.72 each year. To be eligible you need to be aged between 16 and 64, living mainly in New Zealand, earning $180,000 or less, and making personal contributions during the year. Visit our government contribution page for more details.

Yes — your contributions don’t have to be regular. You can make a one-off top-up before the end of June to help reach the threshold and receive the full government contribution.

You can check your contributions through your KiwiSaver provider — most of them offer an online account or app. You can also view your contributions in myIR.

If you become eligible partway through the year — for example by turning 16 or joining KiwiSaver — the government contribution is adjusted based on how much of the year you were eligible. This means the maximum amount you can receive may be lower than $260.72, and the amount you need to contribute to receive the full contribution will also be lower.

Once you turn 65, you’re no longer eligible for the government contribution. If you were eligible for part of the year before turning 65, you may still receive a partial contribution for that period, depending on how much you contributed.

Yes — once your child turns 16 they may be eligible for the government contribution, as long as they meet the eligibility criteria. The government will add 25 cents for every dollar contributed to your child's Hive KiwiSaver Scheme account, up to a maximum of $260.72 each year. This includes contributions made by your child, by you as a parent or guardian, or by anyone else — but does not include employer contributions. To be eligible your child will need to: • Be aged 16 or over • Be living mainly in New Zealand • Be earning $180,000 or less • Be making contributions during the KiwiSaver year (1 July to 30 June) — either personally, through a parent or guardian, or through employee contributions The government contribution is paid automatically into their account each year — there's no need to apply. To receive the full $260.72, at least $1,042.86 will need to have been contributed to their account between 1 July and 30 June.

You can use goals for the things that matter to you — such as a first home, retirement, an emergency fund, travel, or another personal savings target.

Yes. Goals can change as life changes, so you can review your target and timeframe and keep your plan relevant to where you’re heading.

Yes. A Hive Adviser can help you clarify what you want to achieve, work through a realistic target and timeframe, and understand the steps that may help you get there.

The Hive mobile app is launching soon and is not available to download yet. We’ll add the App Store and Google Play links to the Hive App page as soon as it’s ready.

Once the mobile app launches, you’ll be able to use the desktop portal, the app, or both. They’ll connect to the same Hive account, so you can check in wherever it suits you.

The mobile app is launching soon. Once it’s available, you’ll use your Hive email address and password to log in.