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Bring your Aussie Super Home

Why transfer your Aussie super to New Zealand?

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

  • 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.
  • Clarity — 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 transfer your Aussie Super. See our Important Information Sheet for details.

How do I transfer?

Please contact your Australian Super provider to obtain the forms you will need to move your Australian Super to your KiwiSaver. Once completed, send them to your Australian Super provider for processing.

If you don't know who your Aussie Super Provider is or don't know your Australian Tax File Number, don't worry, you can contact the Australian Tax Office on +61 2 6216 1111 to find this out and then get back to starting your transfer with us.

If your provider requires Fisher Funds' bank details and/or confirmation that we will accept the transfer please contact us.

Can I transfer my unclaimed Australian super to my New Zealand KiwiSaver Provider?

As long as you’re eligible, if you’re a member of the Fisher Funds TWO KiwiSaver Scheme, you can now apply to transfer any unclaimed superannuation money from the Australian Tax Office (ATO) to your KiwiSaver account. You can learn more here.

Going across the ditch — how to transfer 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 most 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 65 (subject to the minimum membership requirement).
  • 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.
  • It’s worth noting that Australian superannuation providers fees are higher than in New Zealand. Be sure to check out what your provider charges before you transfer your KiwiSaver to Aussie Super.

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