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

Score yourself a $100 KiwiSaver top up. Log in and calculate your future balance using our online tool or complete staff assisted advice then join the ASB KiwiSaver Scheme*.


View $100 offer

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.

Strong performance over the long-term

Our ASB KiwiSaver Scheme Growth, Balanced and Moderate funds have all outperformed the market average over 10 years.

Based on 10-year performance data from the latest Morningstar KiwiSaver survey for 31 March 2024. Past performance is not a guarantee or indication of future performance. For more information on ASB KiwiSaver Scheme fund performance see our performance page.

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 award-winning KiwiSaver calculator and advice tool.

Login & calculate

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

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

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).

*This offer is available from 15 July 2024 until 8 September 2024 or until the offer runs out.
To be eligible for the offer you must be aged 18 years or older, complete the ASB KiwiSaver Digital Calculator & Advice Tool KiwiSaver balance projection or staff assisted advice tool with an ASB expert for advice on your KiwiSaver investment and then join or switch to the ASB KiwiSaver Scheme within seven days of receiving the advice.

The offer of a $100 top up is not transferable and will be credited directly into the eligible customer's new ASB KiwiSaver Scheme account by 11 October 2024.

We collect, hold and use your personal information for the purpose of administering the offer and providing you with information about ASB's products and services. Our address is North Wharf, 12 Jellicoe Street, Auckland. You have rights of access to, and correction of, personal information held by us. See the ASB Privacy Statement and the ASB KiwiSaver Scheme Product Disclosure Statement for more information.

By accepting the offer the customer agrees to participate in any publicity arrangements that ASB may reasonably require in relation to this offer.

Employees of ASB and its related companies, their spouse (either married or de facto) and their dependants (children and/or parents living with them) are not eligible to participate in this offer.
ASB reserves the right to vary, suspend or terminate the offer.

To the extent permitted by law, ASB, its employees and agents shall not be liable for any claims, damages, injuries, costs and expenses suffered, sustained or incurred (including but not limited to indirect or consequential) as a result of, arising out of, or in any way connected with, this offer.

ASBASB KiwiSaver Scheme