KiwiSaver

We're committed to delivering you strong long term returns and great value with our below market average fees. See how easy it is to track and manage your KiwiSaver account in the ASB Mobile App and FastNet Classic internet banking.

Join now Fund returns

KiwiSaver offers

Score yourself a $100 KiwiSaver top up
When you use our online tool to calculate your future balance or get expert advice from our team, then join us within seven days. Learn more.
Win a share of $20,000
Make a voluntary contribution of at least $20 into your KiwiSaver account to be in to win one of twenty $1,000 KiwiSaver top ups. Set up regular contributions for more chances to win. Learn more.

First for 1-year returns

Our Growth, Balanced and Moderate Funds all ranked top in category for 1-year returns in the latest MJW Investment Survey.

View returns

Based on after fees and before tax 1-year performance data from the latest MJW Investment Survey for 31 March 2025. Past performance is not a guarantee or indication of future performance. For more information on ASB KiwiSaver Scheme fund performance see our performance page.

Why ASB for your KiwiSaver investment?

Committed to delivering you strong long-term returns

We work with some of the world's leading investment managers, including BlackRock, to help you get the most out of your KiwiSaver investment. View past returns.

Great value with our below market average fees

Fees have a big impact over the long term. By keeping our fees competitive, more of your money stays invested to grow. View funds and fees.

Easy & convenient

Track and manage your KiwiSaver account in the ASB Mobile App and FastNet Classic internet banking, with our team of specialists here to help where and when you need it.

We're proud to be helping around half a million New Zealanders who choose the ASB KiwiSaver Scheme to invest for their future.

Take a look at your future

Want to see how much you're on track to have for your first home or retirement? Log in to try our KiwiSaver calculator and advice tool.

Don't have an ASB login yet? Try our simple calculator.

Automate your investing

Investing small amounts regularly can make a big difference to your future.
Set up an auto-transfer today:

Log in to the ASB Mobile app or FastNet Classic Internet banking
Select the account you'd like to transfer from and your ASB KiwiSaver Scheme or ASB Investment Funds account you'd like to transfer into
Enter the amount you'd like to transfer each week, fortnight or month, and the date you'd like the first transfer to be made to set up a contribution schedule

You can make changes to or cancel your transfer schedule at any time.

Need some help to get on track? Speak to a KiwiSaver specialist.

No matter the size of your balance, our team of KiwiSaver specialists can help you make the most of your KiwiSaver account with free personalised advice.

Call us on 0800 272 738 between 8:00am to 6:30pm during the week, or 8:30am to 5:00pm on Saturdays.
If you'd like to meet in person, you can simply pop into your local ASB branch.

Ways to use your KiwiSaver savings

Buying your first home

Learn how you can use KiwiSaver to buy your first home or if you're ready to buy your first home, find out how to make a KiwiSaver first home withdrawal.

When you turn 65

You can access your KiwiSaver savings when you turn 65. You can also choose to keep investing. Learn how to make the most of your KiwiSaver savings after you turn 65 or apply for an initial withdrawal.

If you are facing significant financial hardship

You may be eligible to withdraw some of your KiwiSaver savings early. Find out more about the eligibility criteria, application process and how long it takes.

Learn more about all the circumstances where you might be able to access your savings early.

Make the most of your KiwiSaver account

ASB Aggressive Funds

Looking for aggressive investment options? Our Aggressive Funds aim for the highest returns of all our funds over the long term, for those who can accept more ups and downs.

Responsible Investing

Learn more about our responsible investing approach.

ASB Investment Podcast

Stay up to date with the latest insights, investment news and market commentary from our team of experts.

Boost your KiwiSaver savings with True Rewards

Redeem your True Rewards dollars straight into your ASB KiwiSaver Scheme account.

Get in touch

Join or switch today

Ready to start investing with ASB? Join or switch in minutes.

Join or switch

Give us a call

Our specialist KiwiSaver team are here to help.

0800 ASB RETIRE (0800 272 738)

Visit a branch

Visit us at one of our many branches across New Zealand.

Find a branch

Any questions?

Complete our online form and we'll get back to you.

Ask us now

Experiencing significant financial hardship?

If you're currently experiencing financial hardship, we're here to help with any questions you may have about applying for an early KiwiSaver withdrawal.

Learn more

We’re here to help you

Frequently asked questions

Manage your ASB KiwiSaver Scheme account

A Product Disclosure Statement for the ASB KiwiSaver Scheme has been lodged with the Registrar of Financial Service Providers. It is available from this website, or you can obtain a copy by emailing retire@asb.co.nz.

BlackRock Investment Management (Australia) Limited is a subsidiary of BlackRock, Inc.

Interests in the ASB KiwiSaver Scheme (Scheme) are issued by ASB Group Investments Limited, a wholly owned subsidiary of ASB Bank Limited (ASB). ASB provides Scheme administration and distribution services. No person guarantees interests in the Scheme. Interests in the Scheme are not deposits or other liabilities of ASB. They are subject to investment risk, including possible loss of income and principal invested. Fees may change. For more information see the ASB KiwiSaver Scheme Product Disclosure Statement available from this website and the register of offers of financial products at www.disclose-register.companiesoffice.govt.nz (search for ASB KiwiSaver Scheme).

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