"How do I find a lost KiwiSaver account?"

"Log in to myIR (myir.ird.govt.nz) — it shows your current and any historical KiwiSaver provider associations. If you don't have a myIR account, call IRD on 0800 549 472. You can also check Inland Revenue's unclaimed funds register."

"What happens to KiwiSaver accounts that aren't being contributed to?"

"They stay with the provider and continue to be invested. Balances don't expire or disappear. IRD may transfer very small balances to a consolidated fund in some circumstances, but most inactive accounts simply remain with the original provider."

"Can I have KiwiSaver accounts with multiple providers?"

"Technically yes — balances can be spread across providers if you've had multiple employers over the years. However, you should consolidate into one account with your preferred provider. Having multiple accounts means paying multiple providers' fees unnecessarily."

"What if I find a KiwiSaver account from a deceased family member?"

"The balance forms part of the estate and is handled according to the will or Administration Act. Contact the provider and provide a death certificate, grant of probate or letters of administration, and claim the balance through the estate's legal process."

How to Find Lost KiwiSaver NZ — Unclaimed and Forgotten Accounts

Thousands of New Zealanders have KiwiSaver accounts they’ve forgotten about — often from early auto-enrolment, job changes, or moving overseas. Here’s how to trace a lost account and what to do with it.

Common Reasons for a Lost KiwiSaver Account

Auto-enrolled at a first job years ago and lost track of the provider
Changed jobs several times and are unsure which employer’s contributions went where
Returned from overseas and can’t recall your provider
Inherited what may be a deceased family member’s KiwiSaver
Young — enrolled as a newborn or child but can’t remember the account details

Step 1: Check myIR

The fastest way to find your KiwiSaver is through myIR (myir.ird.govt.nz):

Log in with your IRD number and password (or register if you haven’t before)
Navigate to the “KiwiSaver” section
Your current registered provider and account balance are listed here

myIR holds IRD’s central record of your KiwiSaver membership. Even if you’ve never logged in before, your account details are linked to your IRD number.

Step 2: Contact IRD Directly

If you can’t access myIR, call IRD’s KiwiSaver line:

Phone: 0800 549 944

Have your IRD number ready. IRD can tell you which provider holds your account and provide contact details.

Step 3: Contact Potential Providers Directly

If you remember starting a job around a certain time period and being enrolled, but don’t know the provider:

Your employer at the time would have enrolled you — contact their HR/payroll team if you can
Or call providers from the list of 9 default providers (ANZ, ASB, BNZ, Westpac, Booster, Fisher Funds, Milford, Generate, SuperLife) — one of them may have your account
Check your email history for any KiwiSaver account setup confirmations

Unclaimed KiwiSaver Balances

KiwiSaver accounts that receive no contributions for a long time are not automatically closed or transferred — they remain with the provider. The balance continues to be invested, and fees may continue to be charged.

If you find an old account with a small balance and high fees, it may have been eroded over time. Checking your balance and either consolidating or resuming contributions is important.

IRD’s Unclaimed Money Register

IRD maintains an unclaimed money register for funds that have been transferred from providers who cannot locate the account holder. If an account has been inactive for a long time and the provider cannot contact you, the balance may eventually be transferred to IRD’s unclaimed money register.

Search for unclaimed money at: ird.govt.nz/unclaimed-money

Consolidating Multiple Accounts

If you find you have accounts with more than one provider (possible if you changed jobs and were re-enrolled), you should consolidate. You can only be an active member of one KiwiSaver scheme.

To consolidate:

Decide which provider you want to keep
Enrol with that provider (if you’re not already)
Request a transfer of your old account balance to the new provider — the new provider handles this
The old account is closed once the transfer is complete

Transfer takes 10–15 business days.

Checking a Deceased Person’s KiwiSaver

If you’re looking for a deceased family member’s KiwiSaver account:

Contact IRD (as the estate administrator or legal representative) — they can identify the provider
The balance forms part of the estate and is claimed through the estate process

See KiwiSaver death benefit NZ for the full process.