Joining KiwiSaver by opting in

An employee who is not already a KiwiSaver member and is not subject to automatic enrolment may join KiwiSaver by opting in.

Employees who have opted out of KiwiSaver can opt in later.

Your employee has two ways to join KiwiSaver by opting in:

1. Through the school if they have not chosen a KiwiSaver scheme.
2. Through a KiwiSaver provider of their choice.

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Opting in through school

If your employee wants to opt in to KiwiSaver and has not chosen a KiwiSaver scheme to join, they can enrol through your school.

By opting in this way, Inland Revenue randomly assigns them one of six approved providers who will invest their contributions in a conservative fund.

Follow these steps when your employee wants to opt in to KiwiSaver through the school and you pay them through the education service payroll:

1. Give your employee the right information and forms

   Your employee will ask you for KiwiSaver information. Give them a:

   • KiwiSaver employee information pack KS3 (which includes a KiwiSaver deduction form KS2)
   • KiwiSaver Information Assessment Form ESP29.

   
   Then follow these steps, as you do with new employees:

2. Collect your employee's completed forms and check them
3. Work out if they are eligible
4. Copy the forms then post them to your pay centre
5. Tell your employee when deductions will start

If you pay your employee through an independent payroll:

• read about KiwiSaver differences in the education sector
• follow the KiwiSaver employer guide KS4.

Joining through employee’s chosen scheme provider

Employees can join KiwiSaver by choosing their own KiwiSaver scheme provider.

Follow these steps when your employee joins KiwiSaver by opting in through a provider of their choice and you pay them through the education service payroll:

1. Receive employee's completed enrolment form and check it

   Your employee must return the enrolment form (which is in the back of the provider's investment statement) to you after they complete it.
   
   Check the form is complete and your employee has signed and dated it.

2. Complete employer's details on chosen scheme's enrolment form

   Each KiwiSaver provider enrolment form asks for different information from employers, but all ask for employer details.

   Because you pay your employee through the education service payroll, put these employer details on your employee's enrolment form:

   • Employer is the Ministry of Education.
   • Employer's address is PO Box 1666, Wellington 6140.
   • Employer's contact details are fax (04) 463 8376.
   • Employer's IRD number is 11296122.
     


If you pay your employee through an independent payroll, put your school's details on the enrolment form.

3. Give your employee the right information and forms

   Give them a:

   • KiwiSaver deduction form KS2
   • KiwiSaver Information Assessment Form ESP29.

   
   Then follow these steps, which are similar to what you do with new employees:

4. Collect your employee's completed forms and check them
5. Work out if they are eligible
6. Copy the forms then post them to your pay centre
7. Copy the KiwiSaver provider's enrolment form and give it back to your employee to post.
8. Tell your employee when deductions will start.

If you pay your employee through an independent payroll:

• read about KiwiSaver differences in the education sector
• follow the KiwiSaver employer guide KS4.