Your money is in safe hands.

Kernel is a regulated entity. We hold an MIS license, FSP registration and are a licensed KiwiSaver provider.

Smart Saver money is held by Kernel’s custodian, Adminis, and with a NZ registered, RBNZ regulated, investment grade credit rated bank. An ‘investment grade’ bank means the bank has a credit rating of BBB or above.

While bank defaults are possible, capital adequacy requirements make this very unlikely.

Read more about our Smart Saver on our website, or join the waitlist to be the first to know when it's live.