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.
Why Transfer Your Australian Super to KiwiSaver?
Leaving your retirement savings overseas can lead to duplicate fees, poor tracking, and complex cross-border rules. Consolidating your super in New Zealand brings total clarity and puts you back in control.
Key benefits include:
- One Clear Strategy – Consolidate your Australian super into your KiwiSaver for a single, streamlined retirement plan.
- Simplified Visibility – Track your complete balance in one place, entirely in NZ dollars.
- Zero Transfer Tax – Move your funds tax free under trans-Tasman portability rules, with future growth taxed locally at your Prescribed Investor Rate.
- Reduced Fees – Eliminate duplicate admin fees and unnecessary insurance premiums across multiple accounts.
- End-to-End Handling – We manage the complex cross-border paperwork and transfer process for you from start to finish.
How the Process Works
Navigating Australian providers and New Zealand regulations can be complex, but bringing your savings across shouldn’t be. We manage the full transfer from start to finish, ensuring your funds land safely in a strategy built for your future.
It starts with a free, obligation-free KiwiSaver review. We evaluate your existing setup, confirm your Australian fund is APRA-regulated and eligible for transfer, and align your investment strategy with your age, risk tolerance, and retirement timeline.
Our services include:
- Strategy & Portfolio Alignment – We ensure your money lands in a market-leading fund with a structure tailored directly to your goals.
- Full Administrative Handling – We coordinate across both trans-Tasman providers to complete all compliance and statutory requirements smoothly.
- Ongoing Partnership – We stay by your side long after the money moves, giving you continuous advice to keep your consolidated investment 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.
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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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