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A smarter KiwiSaver scheme starts here

At Smart we believe in common-sense investing. Time in the market, diversification and the fees you don’t pay. Investment principles that are backed by decades of evidence.

Join over 90,000 New Zealanders who trust Smart with their retirement savings.

Banner Join Smart KiwiSaver Scheme

Before you start, please have the following handy:

NZ Driver’s Licence icon

NZ Driver’s Licence
OR NZ Passport

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IRD Number

Who can join?

You can join the scheme if you:

  • Live (or usually live) in New Zealand, and

  • Are a New Zealand citizen, or are entitled to live in New Zealand indefinitely.

Applying for someone under 18?

You will need to provide a New Zealand Birth Certificate.

  • Under 16: A parent or legal guardian needs to apply for you.

  • 16 or 17: You need to apply with your parent or legal guardian.