Check or change your fund.

As your circumstances and earnings change, it pays to check your fund is still the best match for where your life's at now, and where you want to go. Use our calculators below to check your fund. You can login to Westpac One® online banking to check or change your fund.

Westpac KiwiSaver Scheme Fund Chooser

KiwiSaver Calculator



1. How your contributions affect your balance

A small difference in contributions can make a big difference over time.
More on how contributions work

2. Change my contribution rate

You can change your contribution rate through1:

  • Westpac One® online banking, or by calling our KiwiSaver Specialists on 0508 972 254;
  • your employer, by completing a KiwiSaver deduction form (available from - search 'KS2 form'); or
  • the Inland Revenue myIR facility at

3. Make a one-off contribution or set up a regular payment

Login to Westpac One or download the form below and take it into a branch.
Deposit form

4. Savings suspension

If you need to, you may be able to suspend your contributions.
See if you qualify



I'm buying my first home

See whether you qualify and how to make a withdrawal.
Using KiwiSaver for your first home

I've reached 65

Your options are open. See how to withdraw all or some of your KiwiSaver investment.
KiwiSaver options at 65

I have unforeseen circumstances

It happens. KiwiSaver may be able to help.
See your options

Need assistance with Westpac One?

Learn how to use Westpac One to manage your KiwiSaver.

Next steps.

Join now

Join or transfer to the Westpac KiwiSaver Scheme.

Get started

Login to Westpac One®

Check your Westpac KiwiSaver Scheme account balance and make any changes with online banking.

Westpac One

Talk to a specialist

Get in touch to talk about KiwiSaver with an expert.

Talk to us

KiwiSaver fund updates

Keep up to date and informed with our investment fund updates and more.

KiwiSaver fund updates

Things you should know.

1If you change your contribution rate through us, we will notify Inland Revenue of the new rate as soon as practicable, and Inland Revenue will then notify your employer as soon as practicable. The new rate will apply to the next payment of salary or wages calculated after your employer receives the notice.  If you have multiple employers then the new rate will apply to each of them.

BT Funds Management (NZ) Limited is the scheme provider and Westpac New Zealand Limited is a distributor, of the Westpac KiwiSaver Scheme (Scheme).

The information above is subject to changes to government policy and law, and changes to the Westpac KiwiSaver Scheme from time to time.

Investments made in the Scheme do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac Group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac Group of companies, The New Zealand Guardian Trust Company Limited (as supervisor), or any director or nominee of any of those entities, or any other person guarantees the Scheme's performance, returns or repayment of capital.

For a copy of the Product Disclosure Statement or more information about the Scheme, contact any Westpac branch or call 0508 972 254 or from overseas +64 9 375 9978 (international toll charges apply). You can also download the Product Disclosure Statement.