To join the Sharesies KiwiSaver Scheme, you’ll need to have an existing Sharesies account and be over the age of 18; or if you have a kids account that is under the age of 16 you are able to sign up for Sharesies KiwiSaver Scheme on their behalf. If you don’t currently have a Sharesies account, you can sign up on our website.
Once you have a Sharesies account:
go to Explore > KiwiSaver tile under the ‘What do you want to do?’ section
answer some questions (what you’re looking to use your KiwiSaver for, and what type of funds you’re interested in)
Create your investment plan
accept the PDS.
If you have a Sharesies Kids account:
Switch profile to the Kids account
Click on “Join our KiwiSaver Scheme”
Verify you are the parent or legal guardian (you can use the birth certificate registration number, or contact us if you need to verify guardianship via a court order, or statutory declaration)
Create the investment plan for your Kid
Accept the PDS and confirm sign up
Once you’ve signed up we will complete the setup with the IRD - this process can take 5 working days. For new KiwiSaver members the IRD holds contributions for the first 62 days, after which they are passed through to be invested, as per the investment plan.
Sharesies KiwiSaver for 16 and 17 year olds is coming soon; and to sign up you will need consent from the 16 or 17 year old as well as one parent or legal guardian.
When you first join a KiwiSaver scheme, you don’t have to make an initial or ongoing contribution. However, if you’re employed, there’s a minimum contribution of 3% which comes out of your pay and your employer will match your contributions up to a minimum of 3%. From 1 April 2026 the minimum contribution rate will increase to 3.5% and your employer will match your contributions up to a minimum of 3.5%. This will increase to 4% and your employer will match this from 1 April 2028.