There are two main ways to access your KiwiSaver savings:
When you reach the age of 65. If you joined KiwiSaver (or a complying fund) before 1 July 2019, a 5 year minimum membership requirement applies if you were aged 60 or over when you joined. From 1 April 2020 you can opt out of this requirement, and if you are aged 65 or over make a partial or full withdrawal.
If you make a first home withdrawal.