Australian Super and UK pensions

Consolidate your retirement savings in your Westpac KiwiSaver Scheme. Find out how you can transfer your Australian Super to New Zealand, along with the latest news on UK pensions.

Transferring your Australian Super

If you’ve worked in Australia at any time since 1992, you’ll probably have Australian Superannuation savings. You can bring these savings back to New Zealand by transferring them to a KiwiSaver scheme.  

You may be eligible if: 

  • you’ve moved back to New Zealand (or emigrated here) from Australia; and
  • you’ve got savings in an Australian complying Superannuation scheme (self-managed super funds and defined benefit funds are excluded)

You can find out which Australian funds comply by using the search engine available at

Join KiwiSaver before your transfer

You’ll need to join a KiwiSaver scheme before you can transfer your savings. Joining or switching to the Westpac KiwiSaver Scheme via online banking is easy. Or, you can find the application form at the back of the Westpac KiwiSaver Scheme Product Disclosure Statement, which is available to download here.

Should you transfer?

There are a number of factors you should consider before transferring, so to help you make the decision we strongly recommend you talk to one of our KiwiSaver specialists on 0508 972 254.

You need to think about investment options, other benefits you may lose if you transfer, fees, currency movements, the advantages of having all your super in one account, tax and transfer costs.

Please note: Any money you transfer from your Australian Super to your Westpac KiwiSaver Scheme doesn’t count towards earning Government contributions. It also can’t be withdrawn for a first home purchase or included in a permanent emigration withdrawal if you are emigrating to a country other than Australia. If you are emigrating to Australia, the funds can only be transferred to an Australian complying superannuation scheme.

How to transfer

1. First, contact your Australian Super provider(s) to find out their process for transferring. They’ll let you know what they require from you to make the transfer.

2. Please note, changes to Australian legislation mean that the required statutory declaration can now be witnessed by an authorised person under New Zealand law.

3. Your Australian provider may want information about your KiwiSaver provider. If additional information is required regarding the Westpac KiwiSaver Scheme, please call our KiwiSaver specialists on 0508 972 254.

4. To avoid delays, please ensure you provide all of the documentation requested by your Australian provider.

5. If you have more than one Australian Super account, you’ll need to contact each provider. Once the funds have arrived from Australia and we have applied them to your Westpac KiwiSaver Scheme account, we’ll send you a letter confirming the transfer is complete.

Payment instructions

Please provide all of the payment instructions below to your Australian provider to ensure we can process your transfer without delay.

By telegraphic transfer

Bank Name: Westpac New Zealand Limited


Account Name: BTNZ KiwiSaver Nominees Limited

Account Number: 03-0104-0588267-05

Payment Reference: Your IRD number and KiwiSaver member number (we need this to identify your payment).

By cheque

Cheques should be made payable to BTNZ KiwiSaver Nominees Limited. Ask your Australian provider to print your IRD number and KiwiSaver member number on the back so we can identify the payment.

What if you don’t know who your Australian provider is?

You can find and manage your Australian Super by logging in to your myGov account at

If you don’t have a myGov account, contact the Australian Tax Office (ATO) on +61 2 6216 1111

Once you’ve identified your Australian Super providers, just follow the steps in How to transfer.



UK pension transfers

UK pension transfers are not available at the moment. That’s because KiwiSaver schemes are currently not Qualifying Recognised Overseas Pension Scheme (QROPS) status for the purpose of transfers of UK pensions.

Since 6 April 2015, a QROPS scheme must now lock in UK pension transfers to at least age 55. The only reason allowable for an early withdrawal is retirement, due to ill health (as defined by UK legislation).

All KiwiSaver schemes allow early withdrawals for not only serious illness, but also for a first home withdrawal, permanent emigration and significant financial hardship. This means that the Westpac KiwiSaver Scheme cannot currently meet QROPS requirements and we’re unable to accept any transfers of UK pension funds.

We understand Inland Revenue and other industry bodies are seeking clarification from the UK regulator. In the meantime, we apologise for any inconvenience. If you’d like to know more, call our KiwiSaver specialists on 0508 972 254.