KiwiSaver Login - Accessing Your Account

Finding it difficult accessing KiwiSaver account? Here's a list directly to your provider's KiwiSaver Login page.

   Provider Name    National Capital Research Report    KiwiSaver Login Link
   I don't know my provider    Click here to find you KiwiSaver provider  
   Generate    Generate KiwiSaver Research & Report    Generate Online Portal  new tab
   AMP    AMP KiwiSaver Research & Report    AMP Online Portal  new tab
   Mercer    Mercer KiwiSaver Research & Report    Mercer Online Portal  new tab
   Milford    Milford KiwiSaver Research & Report    Milford Online Portal  new tab
   Fisher Funds    Fsher Funds KiwiSaver Research & Report    Fisher Funds Online Portal  new tab
   ANZ    ANZ KiwiSaver Research & Report    ANZ Online Portal  new tab

KiwiSaver Account HealthCheck - How does my KiwiSaver performance compare?

Do your KiwiSaver results match your short and long term goals?


How do I access my KiwiSaver account?

National Capital are financial advisers who help clients select the best KiwiSaver Provider for them. Although National Capital can view public performance information, you’re the only one able to access your KiwiSaver account. We all like to see how our KiwiSaver investment is performing from time to time. Accessing KiwiSaver login allows you to check your KiwiSaver performance in comparison to other providers and funds. Although, there are other benefits to accessing your KiwiSaver account online.

For example, through my KiwiSaver login, I’m able to add additional savings into my KiwiSaver scheme. (If I qualify), through my KiwiSaver login, I can apply and withdraw my current savings to buy a first home. Once I am over 65, I can withdraw funds online through my KiwiSaver login at any time.

If you register directly through a provider, your KiwiSaver login will be part of the process. When accessing a KiwiSaver account in the future, you’ll need your username and password. Generally, your username can be the email you have registered with. It is also common practice for any KiwiSaver login page to feature a ‘forgot your password’ function or similar. That way, you receive an email with instructions if you don’t quite remember your KiwiSaver login details.

Accessing KiwiSaver is a relatively effortless process through most providers. Below we redirect you to some of the main providers’ online portals and some of the available features. I typically check my KiwiSaver login once a month to see how it's performing and you can too.

So who is National Capital?

Why should I listen to their advice before accessing my KiwiSaver login?

Before accessing your KiwiSaver account, we'd like to take the chance to briefly introduce the benefits of our specialised advice. We analyse the top available providers to narrow down the best one suited to you and your financial goals. No matter who your KiwiSaver account is with at the moment, you won't regret taking a few minutes to fill in our Free KiwiSaver Healthcheck.

National Capital is on a mission to empower one million Kiwis to make confident financial decisions by accessing KiwiSaver advice tailored for them. We now advise New Zealanders on over $70 million of their KiwiSaver account savings and growing at a rapid rate.

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Find out if you're in the right fund before accessing KiwiSaver login!


Accessing My KiwiSaver Login

Frequently Asked Questions
How do I log in to my KiwiSaver account?

The first thing you need to know is who your KiwiSaver provider is. You can find this by logging into your IRD account or giving them a call with your identification number ready.

Once you’ve identified who you’re current provider is, go to their website in order to log in. Whether you’re accessing KiwiSaver login through ANZ, AMP, or any other, they will ask for the same thing. If you’re with ANZ, you’ll need to provide your ANZ details, which are your email address and password. If you’re with AMP, you must provide your AMP details. The same principle applies to all other listed providers such as Milford, Generate, Mercer, and Fisher Funds.

Once you locate the login page or button, you simply enter your details and access your account. Whether it’s Mercer or Milford, most providers will have a “forgotten password” to click for accessing KiwiSaver. That is a function you can use if you have forgotten your login password or have never logged in. An email with instructions on how to reset your password will be automatically sent to your registered email address. Thereafter, you’ll be able to access your KiwiSaver account via the relevant one of the listed providers. 

If you get stuck or have any questions, you can always contact your provider’s customer service team. Trouble accessing KiwiSaver through Generate? Contact them through or 0800 855 322. What about if you’re with Fisher and you're struggling to access your KiwiSaver account? Contact 0800 335 494 or email them.

The point is, whether you’re having trouble accessing KiwiSaver through the Generate portal, Fisher Funds, or any other, there’s always someone to contact to resolve the issue.

How frequently should I be checking my KiwiSaver account?

Checking your KiwiSaver account every 3 to 6 months is generally enough. It is up to you if you want to check it more or less than that. Nonetheless, keeping track of your KiwiSaver account is definitely a good idea.

The majority of providers will send you a monthly or quarterly update on the past period performance. Some may even discuss broad market conditions that have had an impact on overall fund performance.  

There are a few reasons why you should be accessing KiwiSaver and tracking performance periodically. Here are some:

  • Are you contributing enough to meet your short and long-term goals?
  • How does my KiwiSaver account performance compare to the rest of the market?
  • Are you in the right fund or scheme? 

However, this is a long-term savings and investment strategy. With that in mind, it is advised to refrain from making changes too often. Changing schemes 2 times a year for example can be considered as going against a long-term stable strategy. Instead, you are encouraged to ask yourself these questions periodically that will help you make an informed decision.

If you have any questions, please contact your provider directly or you can get free advice at National Capital.

If you want daily updates you can check by logging in through your provider’s website. There you can view full details of your investments, transaction, and how much you saved. By accessing KiwiSaver, you are also able to add additional savings to your balance.

Can you opt out of KiwiSaver online?

The way to opt out of KiwiSaver contributions is through a Savings Suspension. I can do this online by accessing my KiwiSaver login through my IRD account. You can’t do it by accessing your provider's platform directly. 

This is intended to give you and me the option to have a break from making contributions. However, if you’ve been a contributing member for under a year, you will need to provide evidence of financial hardship. If you’ve made contributions and had a KiwiSaver account for over a year, you don’t need to give a reason.

Keep in mind that if you stop your contributions, your employer’s and the government's contributions will also stop. In the scheme of things, even a small break will have an impact on money available to you at retirement. 

In order to opt out of KiwiSaver online you will need a few details in hand: 

  • IRD number, contact details, and address.
  • Employer’s name and business information.
  • Evidence of financial hardship if you’ve been a member for less than a year.

Naturally, this information is needed to inform your employer to stop making contributions to your KiwiSaver account. Your provider will also be notified regarding your decision. 

The start of the savings suspension will be dated the day IRD approves your request. They will notify you and your employer of the start and end dates. However, you have the option to extend the suspension before its expiry. 

From this point until you decide to restart contributions, your balance will fluctuate purely based on investment performance. This means that you can still see how your investment is doing by accessing Kiwisaver Login. Based on results, you may find yourself with an increase or decrease in your balance. 

Can I withdraw all of my savings from my KiwiSaver account in one lump sum payment?

Generally, you should keep in mind that it is not possible to withdraw from your KiwiSaver account until you reach the age of 65 years old.

If you meet the criteria to withdraw earlier it can only be in these circumstances: 

  • Purchasing your first home 
  • A life-shortening condition that reduces your life expectancy
  • Struggling with your finances
  • Moving to another country permanently 
  • Serious health problems/illness

Whether you reach the age of retirement or qualify under the criteria above, it’s not mandatory to withdraw all your savings at once. You may decide on lump-sum payments or regular withdrawals to supplement your income.

Setting up a regular withdrawal

A regular withdrawal is a good way to manage your money and add to your pension or income sources. You can choose how much you want to withdraw regularly from your Kiwisaver login based on your needs.

Take lump sum withdrawals whenever you need money

I may keep my savings in my KiwiSaver Login and withdraw sporadically when needed. You can too by withdrawing whenever and how much you need.

Withdraw all your savings

You can choose to withdraw all your savings and government contributions in one go. If you choose this option, your account will be closed and you won’t need your provider’s access login any longer. Your provider will automatically do that on your behalf by closing your KiwiSaver account.

There are benefits on whether you decide to withdraw all of your savings or not. By accessing KiwiSaver and withdrawing all at once, you are able to invest that money into other ventures. On the other hand, by keeping it, your provider will continue investing on your behalf and strive for more growth. 

Which providers have a KiwiSaver Login mobile app, and which don’t?

Essentially everyone has a smartphone and it is understandable you want to be accessing KiwiSaver on the go with ease. There are plenty of providers that have their own mobile app. For example you can access your Milford portal or Mercer one through their own mobile apps. These apps are downloaded on the app store of your Apple or Android device. 

In recent years, there has been a shift in the way that people access their KiwiSaver accounts. More and more people are using mobile apps to log in and manage their accounts. This trend will likely continue, and so we’ve researched who currently has mobile app and which providers do not.

Based on information available from their websites, here’s a list of providers that have mobile apps, which can be useful if you want to check your balance or make contributions on the go:

  1. AMP
  2. ANZ
  3. ASB
  4. BNZ
  5. Booster
  6. BT Funds
  7. Craigs
  8. Lifestages
  9. Mercer
  10. Milford
  11. OneAnswer
  12. Superlife
  13. Westpac

If you are with one of these providers, you can download the app and login using your existing online credentials. For example, my provider is on this list and I access my KiwiSaver login through their mobile app within a matter of seconds. 

Other providers don’t currently have a mobile app but that doesn’t mean accessing KiwiSaver through them is hard. It just means that you will need to login through their website. Here’s a list of schemes that don’t currently have a mobile app:

  1. Amanah
  2. AON
  3. Christian
  4. Pathfinder
  5. Fisher Funds
  6. Generate
  7. Juno
  8. Kiwi Wealth
  9. Koura
  10. MAS
  11. Nikko
  12. QuayStreet
  13. Simplicity
  14. Summer

Some schemes such as Simplicity offer instructions on how to create a mobile shortcut to your online login. Others, such as the Fisher Funds are just as easily accessible online. 

Can I check my KiwiSaver account balance through IRD?

You can track the contributions made to your KiwiSaver account. That includes your own contributions, your employer’s, and government contributions. However, you are not able to see your investment returns through myIR, the IRD’s user interface.

For a full picture of your account, you can check through your provider’s KiwiSaver login system. Most providers have an easy-to-use interface, whether you're accessing KiwiSaver from Milford to ANZ, etc. 

If you don’t know who your provider is, you can track it down through the myIR website. Once you’ve tracked your scheme provider, get in touch with them directly. This is so you get the login details necessary for accessing KiwiSaver information related to your account.

Once you’ve accessed your account, through your KiwiSaver login, you will be able to see three things. Those are your overall balance, investment returns, and additional contributions made directly through your KiwiSaver login.

A good reason to check both myIR and my KiwiSaver login through the provider is to check contributions versus returns. For example, I can see how much the total amount of contributions through myIR and the total balance through my KiwiSaver login. The difference between the two is the investment returns over a period of time. 

You must also keep in mind that your KiwiSaver login does not work like a bank. Contributions do not show up the next day and it can take up to a month for them to show in your account. The same goes for any provider and their platforms, from Fisher Funds to Generate, etc. Further delays can happen if your employer files late or makes a mistake when they file.

What happens to my KiwiSaver account if I stop working?

For whatever reason, you stop working and find yourself checking your KiwiSaver login, wondering what happens next. The good news is that your account will remain open and accessing KiwiSaver performance information is still possible. Of course, you will not be able to withdraw any funds until you are eligible but your savings are safe.

Naturally, if you stop working, your workplace deductions will stop. That means you won’t have automatic contributions from your wages and your employer added to your KiwiSaver account. Thus, whatever movement you see in your KiwiSaver login, will likely be related to investment performance.

You do have the option to continue contributing on a voluntary basis. You can get the details of how to through your provider's platform. Contributions can be set at regular intervals or one-off lump sum payments. 

Importantly, if you contribute a minimum of $1,042.86 each year, you’re still eligible to receive the government contribution. That is a maximum of $521.43 yearly calculated at 50 cents per every dollar up to $1,042.86. You’ll often see reminders before the cut-off date for this through your provider’s platform. Eligibility for the government contribution means you must be over 18 and not entitled to withdraw from your KiwiSaver account.

If you don’t want to contribute or aren’t in a position to do so, you don’t need to do anything.

Are there any security measures in place to protect my information during the KiwiSaver login process?

Of course, providers will have implemented rigid security measures to protect your information and KiwiSaver account. However, hackers are known to be relentless in their targeted attacks and thus there are extra measures you can take. 

To minimise the risk of anyone else accessing KiwiSaver as you, you can set up Two-Factor Authentication (2FA). 2FA is a security system that requires two separate and different forms of authentication for accessing KiwiSaver in this case. The first step is entering your password and the second could be a text with a code sent to your smartphone or an authentication app. For me, after entering the password of my KiwiSaver login, a unique code is sent via text to my phone. Thereafter, I enter that code into my KiwiSaver login portal and gain access to my KiwiSaver account. 

Another step you can take is to update your KiwiSaver account password to maintain a high level of security. Now, you do not need to update your password on a regular basis if it is strong and unique. However, if you get a notification or suspect someone has made attempts towards accessing KiwiSaver as you, you must act. Your provider’s login portal will have a way for you to change and update your password. 

In summary, your provider will have the best measures in place to protect your information while accessing KiwiSaver. However, that does not mean that you should become complacent and share your login details with anyone else. 2FA and changing your password if you suspect any wrongdoing is a good way to further secure your information. The best step to take right now is ensuring that 2FA has been set up during your KiwiSaver login process. 

What features are available on the KiwiSaver account dashboard after logging in?

Depending on who your provider is, my KiwiSaver login dashboard may look different from yours. Different providers of course have different tech experts who have developed their platforms and there is no cookie-cutter model. Nonetheless, regardless of where things are located on your screen, there are common features between my KiwiSaver login and yours.

KiwiSaver account balance is the first thing you can expect to pop up on your dashboard after accessing KiwiSaver online. This is the accumulation of all of your contributions over time, employer and government contributions, and investment earnings or losses. On my KiwiSaver login dashboard, I can also see my 12-month investment return and return since inception. There is also the option to view performance through a custom date range. This is also likely the case when you’re accessing KiwiSaver via your own provider’s portal. 

Another section I can access through my KiwiSaver login is the ‘Payments & Transfers’ section. This is where you can view instructions on adding more contributions to your savings, such as one-off payments. Under this section, you can also change your Fund mix directly through your KiwiSaver account and access withdrawal application forms. 

Just like my KiwiSaver login portal, yours should also have a section where you can change your personal information. This includes details related to your KiwiSaver account such as your username, password, and two-factor authentication settings. Moreover, you can also change things such as your preferred name, prescribed investor rate (PIR), contact details, and postal address. 

Providers are continually seeking to improve user experience and that is what we have seen happen when accessing KiwiSaver online. My KiwiSaver login portal certainly has changed over the years and there are more features now than ever before. This streamlines the process of any action you take related to your savings.

Are you in the right fund? See how your KiwiSaver account compares to the best options out there.