New Zealand has about 30 KiwiSaver providers on IRD’s list, from the major banks to specialist managers. Each review below covers one provider’s funds, fees, performance and limitations; providers are listed alphabetically within each group, with growth-fund fees approximate (confirm in the current PDS). The reviews sit within our wider KiwiSaver guide.
To compare providers side by side on fees, dated returns and features, see compare KiwiSaver providers. Growth, balanced, conservative and ethical fund fees for every provider are in the KiwiSaver fee comparison. What ethical screening covers is explained in ethical KiwiSaver funds.
Bank-Owned and Bank-Branded Providers
BNZ’s scheme carries the bank’s name but is issued and managed by Harbour Asset Management under licence. How bank schemes compare with independents as a group is in bank vs independent KiwiSaver providers.
- ANZ KiwiSaver Review: growth fund fee 0.95% actually charged in the year to 31 March 2026 (0.98% maximum)
- ASB KiwiSaver Review: growth fund fee ~0.70%
- BNZ KiwiSaver Review: issued and managed by Harbour Asset Management; growth fund fee 0.45%, no member fee
- Kiwibank KiwiSaver: What Happened: Kiwibank’s former Kiwi Wealth scheme was sold to Fisher Funds in 2022
- SBS KiwiSaver Review: run by Southland Building Society, a mutual
- Westpac KiwiSaver Review: managed by BT Funds Management; growth fund fee ~0.55%
Independent and Specialist Providers
- Amanah KiwiSaver Review: now the AE KiwiSaver Plan, a single fund run under a Strict Ethical Mandate
- AMP KiwiSaver Review: includes the Lifesteps age-based funds; growth fund fee ~0.79% plus a $23.40/yr member fee
- Booster KiwiSaver Review: conventional and Socially Responsible funds; High Growth fee about 1.34% (estimated) plus $36/yr
- Craigs KiwiSaver Review: run by Craigs Investment Partners
- Fisher Funds KiwiSaver Review: active manager; the Fisher Funds KiwiSaver Plan (former Kiwi Wealth) now includes Fisher Funds TWO members, and the original scheme’s members were due to move in by 6 October 2026
- Generate KiwiSaver Review: active manager; Focused Growth fee ~1.25% plus $36/yr
- Juno KiwiSaver: Now Pie KiwiSaver: what changed when Juno became Pie
- Kernel KiwiSaver Review: index funds; management fees 0.25% to 0.45%, no member fee
- Kōura KiwiSaver Review: digital tool suggests a mix of its funds
- Mercer KiwiSaver Review: Responsible Growth Fund total fees 0.86% (Sorted)
- Milford KiwiSaver Review: active manager; Active Growth base fee ~1.05% (plus any performance fee), no member fee
- NZ Funds KiwiSaver Review: Growth Strategy total fees 2.08% (Sorted)
- Pathfinder KiwiSaver Review: specialist ethical manager; growth fee ~1.35% plus $27/yr
- Simplicity KiwiSaver Review: non-profit; 0.23% on all funds from 1 October 2026, no member fee
- Summer KiwiSaver Review: build your own mix of its funds; not connected to Kiwibank
- SuperLife KiwiSaver Review: index and age-stepped funds, run by Smart; growth fee ~0.61% plus $30/yr (not charged if fully in the Default Fund)
Guides
- Compare KiwiSaver Providers: fees, returns and features side by side
- Switching KiwiSaver Providers: the steps, timing and what transfers
- KiwiSaver Default Funds and Providers: who the default providers are