If you've worked in Australia at any time since 1992 you'll probably have Australian superannuation savings. Now you can bring these savings back to New Zealand by transferring them into your KiwiSaver account.

There’s AU$17 billion of “LOST” Super - Is any of that yours?

Why transfer your Aussie super to New Zealand?

There are several reasons transferring your Aussie super back to your KiwiSaver account might make sense:

  • Lower fees — you are probably paying at least two sets of fees. Consolidating your super into one KiwiSaver account may reduce the total cost of fees.
  • Visibility — having all of your retirement savings in one place makes it easier to keep track of.
  • Simplicity — making changes to your account, such as managing your investment strategy, is easier when dealing with a NZ based client services team and your retirement savings are in only one scheme.
  • Certainty — with all of your retirement savings in one place, you will have the comfort of knowing what your savings are worth in New Zealand dollars.

Are there any restrictions or special rules that apply?

There are a number of important things you should consider before making the decision to initiate the transfer. Download our Important Information Sheet for details.

How do I transfer?

Simply complete our Aussie super Scheme Transfer Form, send it back to us and we'll kick-start this process for you.

If you have more than one Aussie super fund then you will need to fill out a form for each one.

Our experience so far indicates that it may take some time for Australian schemes to process your transfer. Rest assured we will keep you up-to-date throughout the entire process.

Don't know where your Aussie super is or if you have any?

If you've lost track of your Australian super savings you're not alone! It is estimated that AUS$5 Billion of "lost" super belongs to New Zealanders.

If you know your Tax File Number (TFN):

If you do not know your Tax File Number:

  • Contact the Australian Taxation office on +61 2 6216 1111 ask asked to be transferred to personal tax enquiries to find out your TFN;
  • Contact your previous Australian employer for your TFN; or
  • Complete the Searching for lost super form and send it to the Australian Taxation Office in NSW.

Transferring your KiwiSaver account to Aussie

If you've permanently emigrated to Australia, you can transfer your KiwiSaver savings to an Australian complying superannuation scheme. Please note that some Australian providers do not accept these transfers so it pays to check this first.

There are a few things that you should be aware of:

  • You will be able to access your KiwiSaver funds at the age of entitlement to New Zealand superannuation, currently 65 years of age.
  • Any earnings on these KiwiSaver funds as well as contributions made while in Australia will be subject to all Australian rules regarding access to funds.
  • You will not be able to transfer any New Zealand funds into Australian Self-Managed superannuation funds, nor can they be transferred to a third country.
  • Any transfers of retirement savings will be subject to Australia's rules regarding the taxation of retirement savings contributions greater than $150,000 per annum. This is known as the non-concessional contributions cap.

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