The ASB KiwiSaver Scheme ranked first for 3-year returns in Conservative and Moderate fund categories (Morningstar, March 2026). Plus, our fees are at least 33% below the industry average, and we don't charge administration or performance fees, so more of your money stays invested.*
What's a performance fee? Some providers charge an extra fee when your fund performs well. We don't. We believe top returns should benefit you, not cost you more.
How to join or switch
Open an Everyday account
New to ASB? Before you can join the ASB KiwiSaver Scheme, you'll need to open an ASB Everyday account, it has zero monthly base and transaction fees.
Already an ASB customer? Skip ahead to step three.
Verify your identity
As part of setting up your ASB Everyday account, you'll need to verify your identity.
The fastest way to do this is using the ASB ID app with an eligible e‑passport or New Zealand driver licence. The app guides you through a face scan and also lets you verify your address.
Prefer to do this in person? Call us on 0800 272 738 to make an appointment at your nearest branch. You'll need to bring identification and proof of address. In some cases, you may also be asked for additional supporting information, so check the identification requirements before you go.
Open your ASB KiwiSaver Scheme account
If you're already an ASB customer, or have set up your ASB Everyday account and verified your identity, you can open an ASB KiwiSaver Scheme account in ASB FastNet Classic or the ASB Mobile app.
If you're switching from another provider, we'll take care of transferring your balance. This usually takes about 10 working days.
#1 KiwiSaver returns
Awarded KiwiSaver Fund Manager of the Year
ASB was awarded KiwiSaver Fund Manager of the Year at the 2026 Morningstar Awards for Investing Excellence**.
This recognition reflects our disciplined long-term approach and strong outcomes for nearly half a million ASB KiwiSaver Scheme members.
When we win, our customers win too.
Simple tools and smart advice
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Help choosing a KiwiSaver fund
Not sure which fund is best for you? Our guided tool helps you pick a fund that fits your goals, timeframe, and comfort with risk.
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Personalised KiwiSaver advice
Talk to a KiwiSaver specialist. It’s free and takes around 15 minutes.
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KiwiSaver FAQs
Get quick answers to common questions - from getting started to making the most of your KiwiSaver.
KiwiSaver FAQs
Contact us
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Call us
Talk to our specialist KiwiSaver team.
0800 272 738
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Visit a branch
Call us on 0800 272 738 to make an appointment at your nearest branch.
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Ask a question
Fill out our online form and we'll get back to you.
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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).
ASB Bank Limited's Personal Banking Terms and Conditions apply. Service charges apply. Visa Debit card Conditions of Use apply.
*Past performance does not guarantee or indicate future performance. Returns may vary over a fund's minimum investment timeframe and longer. Morningstar KiwiSaver Survey (31 March 2026). Morningstar ranked the ASB fund 1st out of 22 funds in the Morningstar KiwiSaver Survey March Quarter 2026 within the Multisector Moderate category for the 3 years to 31 March 2026. Morningstar ranked the ASB fund 1st out of 18 funds in the Morningstar KiwiSaver Survey March Quarter 2026 within the Multisector Conservative category for the 3 years to 31 March 2026. Fees for each ASB KiwiSaver Scheme fund are at least 33% lower than the industry average (Sorted Smart Investor, 6 November 2025, based on a $30,000 balance). For more information, see our KiwiSaver returns page.
© 2026 Morningstar All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its affiliates or content providers; (2) may not be copied, adapted or distributed; (3) is not warranted to be accurate, complete or timely; and (4) does not constitute advice of any kind, whether investment, tax, legal or otherwise and 5) has been prepared for New Zealand wholesale clients of Morningstar Research Ltd, subsidiary of Morningstar, Inc and is not intended for New Zealand retail clients. Neither Morningstar nor its content providers are responsible for any damages arising from the use and distribution of this information. Past performance is no guarantee of future results.
**Morningstar Awards 2026 © Morningstar, Inc. All Rights Reserved. ASB is awarded Fund Manager of the Year, KiwiSaver category, New Zealand.