Bring Your Australian Super Home with Expert Support
If you’ve worked in Australia and built up superannuation savings, you don’t have to leave them behind. With the Trans-Tasman Portability Agreement, you can transfer your Australian super directly into a KiwiSaver scheme — helping you consolidate your retirement savings, simplify your planning, and make your money work harder in New Zealand.
At Finsol, we manage the entire move with no upfront costs for our clients.
Why Transfer Your Australian Super to KiwiSaver?
Leaving retirement savings overseas often means paying double sets of fees, losing track of performance, and dealing with complex cross-border rules. Bringing your super home provides clarity and control.
Key benefits include:
- One Clear Strategy – Consolidate your Australian savings with your KiwiSaver for a single, easy-to-manage retirement plan.
- Simplified Visibility – View your total net worth in one place and in your home currency.
- Zero Transfer Tax – Benefit from a tax-free transfer under current portability rules, with future growth taxed at your local NZ Prescribed Investor Rate (PIR).
- Reduced Fees – Stop paying administration fees and insurance premiums on multiple accounts across two countries.
- Expert Guidance at No Cost – We provide professional oversight and handle the paperwork with no upfront service fees for our clients.
How the Process Works
Navigating Australian providers and New Zealand regulations can be a maze. We handle the end-to-end transfer to make the process seamless and stress-free.
Our service includes:
- Fund Eligibility Check – We confirm your Australian fund is APRA-regulated and eligible for transfer.
- Strategy Selection – We help you choose a KiwiSaver fund that aligns with your specific risk profile and retirement timeline.
- Compliance & Paperwork – We coordinate with both providers to ensure all statutory requirements are met.
- Ongoing Advice – We don’t just move the money; we provide continued advice to ensure your consolidated savings keep growing.
What You Can Transfer
Most Australian superannuation savings can be brought to New Zealand, including:
- Workplace superannuation
- Retail and industry super funds
- Consolidated APRA-regulated funds
Transfers must be made directly into a participating KiwiSaver scheme. Once transferred, your Australian savings are ring-fenced within your account. While this portion cannot be used for a first-home withdrawal, it remains subject to Australian release rules—meaning it is accessible once you turn 60 (provided you meet the Australian definition of retirement), five years earlier than the standard New Zealand retirement age of 65.
Our Investment advisers.
Meet our investment team. Trusted, experienced, and here to make your Australian Super transfer simple and straightforward
FAQs
Yes, the Trans-Tasman Portability Agreement allows transfers into KiwiSaver. We handle the process with no upfront cost to you.
We request the transfer from your Australian fund and coordinate with your KiwiSaver provider. All paperwork and steps are managed for you.
Most transfers are completed in 4 to 6 weeks. We monitor progress and keep you informed.
Directly transferring your Australian Super to a KiwiSaver scheme is generally tax-free in both Australia and New Zealand under the Trans-Tasman Portability agreement. While the transfer itself isn’t taxed, any future investment earnings on that money will be taxed at your New Zealand Prescribed Investor Rate (PIR) once it is in your KiwiSaver account.
Most APRA-regulated Australian super funds allow transfers to KiwiSaver, including major providers like Australian Retirement Trust, AustralianSuper, and Hostplus. However, self-managed super funds (SMSFs) and defined-benefit schemes are generally excluded from the Trans-Tasman portability agreement.
Yes, consolidation is common and makes managing your investments easier. We combine them into one KiwiSaver account.
Generally we don’t charge upfront fees for the transfer. You’ll receive expert guidance and support without paying anything up front.
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