KiwiSaver Withdrawals — When and How You Can Access Your Money

KiwiSaver is a long-term savings scheme — withdrawals are restricted, but there are more circumstances than most people realise where you can access your funds. These guides explain each scenario in plain English.

Standard Withdrawals

• KiwiSaver at 65 — Your Options
• How Long Does a KiwiSaver Withdrawal Take?
• Is KiwiSaver Withdrawal Taxed?

Early Access

• All Early KiwiSaver Withdrawal Scenarios
• KiwiSaver Significant Financial Hardship Withdrawal
• KiwiSaver Withdrawal on Redundancy
• KiwiSaver Withdrawal When Leaving NZ Permanently

Relationship and Other Events

• KiwiSaver and Divorce — How Savings Are Split

Opting Out

• KiwiSaver Opt-Out Guide