As KiwiSaver is a superannuation scheme designed by the Government for when you reach retirement age, there are many factors that can influence how and when you may be able to withdraw your KiwiSaver savings before retirement. It’s important to know that the Government sets these rules for KiwiSaver, not each provider.
You can only withdraw your and your employer's contributions. Any Government contributions cannot be withdrawn and must remain in your KiwiSaver account. If you want to find out more about significant financial hardship, or the impact of withdrawing your KiwiSaver savings early, visit our KiwiSaver hardship withdrawal page.