When you move to Australia, you can choose to leave your KiwiSaver balance in New Zealand or transfer it over to Australian Super.

Check with your Australian provider before you initiate the transfer. Accepting KiwiSaver transfers from NZ is optional and they have to be approved as a complying scheme by the Australian Prudential Regulation Authority (APRA).

Transferring your KiwiSaver investment to Australia is a little bit complicated. Check out the details:

  1. You must transfer all your KiwiSaver savings at once, and you can do this anytime.

  2. You can transfer everything in your KiwiSaver account, including employer and government contributions.

  3. You can't withdraw these funds early to purchase your first home.

  4. You won't be able to access these funds until you hit the NZ retirement age.

  5. If you choose to leave your KiwiSaver fund in NZ, you won't receive government contributions unless you move back here.

  6. If you return to NZ, you're welcome to re-join KiwiSaver assuming you still meet the eligibility criteria.

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