How do I withdraw my KiwiSaver balance?
Lovelyn avatar
Written by Lovelyn
Updated over a week ago

The process to withdraw your KiwiSaver balance for varies depending on the reasoning behind withdrawing your balance.

The first step for all withdrawals is to request a withdrawal application form from within the Kernel platform. Here are the steps to do so:

Step 2: Navigate to the 'KiwiSaver' tab in the main menu, then click the 'Payments and Transfers' drop down to the right of the screen.

Step 3: Select the option to 'Withdraw from plan'.

Step 4: Under the 'reason for your KiwiSaver withdrawal' dropdown, select which option applies.

Step 5: Download the application form, complete it with your appropriate information. Please send it back through to for us to process.

If you have a specific reason for withdrawing your balance already, or request regarding a withdrawal, please email our team at

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