1. Help Centre
  2. KiwiSaver Withdrawals

What happens to my KiwiSaver if I die?

Make sure you know what to do with your loved ones KiwiSaver money if they pass away.

If you pass away while you are a member of a KiwiSaver scheme, upon application to that scheme, your full account balance will be paid to your estate.

You can’t nominate beneficiaries to receive your funds directly from your KiwiSaver Scheme; your provider must always pay it to your estate.

If you want particular people to receive the proceeds of your KiwiSaver account, you should (if you haven’t already) make a will and specify who you want to receive those proceeds. You should also let them know who your KiwiSaver provider is as they will need to contact them to discuss the documentation required to release the funds in your account.

Note: If your account balance is less than $15,000, your provider can make the payment to an authorised person (for example a surviving spouse or partner) without requiring probate or letters of administration.