1. Help Centre
  2. KiwiSaver Withdrawals
  3. Permanent Emigration Withdrawal

What happens if I emigrate to Australia?

KiwiSaver members who permanently emigrate to Australia may transfer their entire KiwiSaver account balance to an Australian complying superannuation scheme that agrees to accept the transfer. You can search for complying superannuation schemes on this website.

You cannot transfer your KiwiSaver savings to an Australian self-managed fund.

Generally, your KiwiSaver savings will be subject to Australian super rules with the following exceptions:

  • You will not be able to access the portion of your Australian super savings that has been transferred from KiwiSaver until you reach the age of entitlement to New Zealand Superannuation. Currently this is age 65.
  • You will not be able to transfer the portion of your Australian super savings that has been transferred from KiwiSaver to a third country, although you can bring them back to a KiwiSaver scheme if you return to live in New Zealand.
  • You can't withdraw your KiwiSaver savings before your retirement age to purchase a first home in Australia.

If you would like to apply to transfer your Kiwi Wealth KiwiSaver Scheme account balance to an Australian complying superannuation scheme you will need to complete a transfer application form and post this to us.