Transfer your Australian superannuation to New Zealand

If you've worked in Australia at any time since 1992, you may have some Australian super tucked away. The good news is, you can transfer that money into your KiwiSaver account when permanently emigrating from Australia to New Zealand.

Trans-Tasman Portability allows retirement savings held with some Australian complying superannuation schemes to be transferred to participating KiwiSaver schemes.

Your Australian provider(s) will be able to confirm if your Australian fund(s) can be transferred to a KiwiSaver scheme

Reasons to transfer


You may be paying administration fees and unnecessary insurance premiums from your Australian super – all of which can eat away at your savings.

Keep better track of your retirement savings

You may have several Australian super accounts, as well as a KiwiSaver account. Bringing your retirement savings together into one account gives you a consolidated picture of your savings – and it’s easier to manage.

If you're a member of one of the ANZ KiwiSaver schemes, you’re in a great position to keep track of your retirement savings via ANZ Internet Banking or the goMoney app.

Know how much you have in local currency

With all your retirement savings in one place, you’ll know exactly how much your retirement savings are worth in your home country.

Other things to consider

Investment options

The investment options available to you in your Australian super accounts may differ from the investment options available in KiwiSaver. You will need to consider whether these different investment options suit your personal circumstances and risk profile. If you’ve transferred funds into the ANZ KiwiSaver Scheme, you can use our risk profile tool to help you decide which fund may be most suitable for you.

Insurance cover

Through membership of your Australian super accounts, you may have insurance against death, or illness or an accident which leaves you unable to return to work. If you have insurance cover attached to your Australian super accounts, your cover may cease if you transfer your Australian retirement savings to a KiwiSaver scheme. You should review your insurance to ensure you remain protected following a transfer. If you’d like to discuss your insurance options with ANZ call us on 0800 269 296.

Tax and other rules

The transfer of your retirement savings from Australia to New Zealand will not be subject to exit or entry taxes. Different tax rates and rules apply in each country – your retirement savings will be subject to the tax rules in New Zealand once transferred.

Once your Australian super has been transferred to a KiwiSaver scheme, those funds cannot be transferred to a third country.

Your Australian provider may charge a transfer fee. It is important that you check with them and factor this in when making a decision to transfer.

We recommend you seek independent tax advice in Australia and New Zealand.

How to transfer

Firstly you'll need to confirm you have superannuation in Australia, what the balance is and where it is held.

The Australian Tax Office (ATO) will be able to give you:

  • your Australian Tax File Number (TFN)
  • the names of all Australian providers you have an account with.

You can call the ATO on +61 2 6216 1111. You will need to provide them with your full name, date of birth, and address(es) where correspondence from the ATO might have been sent to you.

If you are classed as a "lost" member, your Australian provider(s) may have transferred your Australian balance to the ATO. The ATO will be able to confirm this for you.

Once you have located your Australian superannuation, you'll need to apply to each of those Australian provider(s) to start the process of transferring your funds to your KiwiSaver account.

Contact each of your Australian provider(s) directly to confirm the application form(s), statutory declaration and other documentation they may require to process your transfer and understand whether they will charge a transfer fee. Once you have supplied all of the required information, your Australian provider(s) have 30 days to assess your application. If approved, it may take a further 30 business days to send us the funds and a transfer confirmation statement.

If your Australian provider requires ANZ’s bank details to make a transfer please call 0800 736 034 Monday to Friday 8am to 6pm.

We recommend that you speak to a financial adviser so that you understand all of the consequences of making a transfer before making any decision.

If you’d like to transfer your Australian superannuation into the ANZ KiwiSaver Scheme and are not yet a member, you should read and consider the ANZ KiwiSaver Scheme product disclosure statement and guide. Find out more here.

If you need any further help, you can call us on 0800 736 034 or send us an email at


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