Regular contributions

How much you and your employer are required to contribute to UniSaver depends on your employment arrangement and whether you are contributing to one section of UniSaver or both.

The employer contribution entitlements outlined on this page may reduce if your employer is contributing or required to contribute to a KiwiSaver scheme on your behalf.

Also, different employer contribution rates can be agreed between you and your employer.

Contribution options

Skip to the option below that matches your employment arrangement, membership category and the section(s) of the plan you belong to. 

Permanent employees
Category A member 
  • You can contribute any multiple of 0.5% of your salary with a minimum of 3%. There is no upper limit. 
  • Your minimum contribution may increase to 4% of your salary if your employer is not contributing at least 1% of your salary. This could occur if your employer is already contributing to a KiwiSaver scheme on your behalf.
  • Your employer will contribute 1.35 times your contributions up to a maximum of 6.75%. That means you need to contribute 5% of your salary to gain the maximum employer subsidy.
  • If you choose to join the locked section as well as the standard section:
    • You must direct at least 3% of your salary to your member locked account (in multiples of 0.5%), with the balance (if any) paid to your member standard account. 
    • Your employer will match your regular contributions to the locked section, with the balance paid to your employer standard account.

  • You can choose to join the locked section only. If you do, all your contributions and your employer contributions will be paid to your locked accounts.
Category B member
  • You can contribute any multiple of 0.5% of your salary with a minimum of 4%. There is no upper limit. 
  • Your employer won’t contribute to your savings unless you join the locked section.
  • If you choose to join the locked section as well as the standard section:
    • You must direct at least 3% of your salary to your member locked account (in multiples of 0.5%), with the balance (if any) paid to your member standard account. 
    • Your employer is required to contribute 3% to your employer locked account unless they are already contributing to a KiwiSaver scheme on your behalf. 
    • Your minimum contribution decreases to 3% if your employer is making compulsory contributions of 3% to your UniSaver employer locked account.

  • You can choose to join the locked section only. If you do, all your contributions and your employer contributions will be paid to your locked accounts.

  

Fixed-term employees
Category A member
  • You can contribute any multiple of 0.5% of your salary with a minimum of 3%. There is no upper limit. 
  • Your minimum contribution may increase to 4% of your salary if your employer is not contributing at least 1% of your salary. This could occur if your employer is already contributing to a KiwiSaver scheme on your behalf.
  • Your employer will contribute 1.35 times your contributions up to a maximum of 6.75%. That means you need to contribute 5% of your salary to gain the maximum employer subsidy.
  • All your contributions will be paid to your member locked account. 
  • All employer contributions will be paid to your employer locked account.
Category B member
  • You can contribute any multiple of 0.5% of your salary with a minimum of 4%. There is no upper limit. 
  • All your contributions will be paid to your member locked account. 
  • Your employer is required to contribute 3% of your salary to your employer locked account unless they are already contributing to a KiwiSaver scheme on your behalf. 
  • Your minimum contribution decreases to 3% if your employer is making compulsory contributions of 3% to your UniSaver employer locked account.

 For the purposes of UniSaver, salary is your remuneration from your employer, excluding overtime, bonuses, penal payments or other allowances.

Change your contributions

You can change your regular contributions from your salary at any time subject to the minimum contribution rates set out here. To change your contributions, complete a Change of member details form and send it to your HR/payroll representative or superannuation officer. If you’re a permanent employee contributing to UniSaver’s standard section only, you can also use this form to join the locked section.

 

back to top