Most people join the scheme as a category A member. Category A members are eligible for employer contributions up to 6.75% of salary. However, this may be reduced by the percentage of salary they contribute to your KiwiSaver scheme if you have one. 

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

Very occasionally, employees join as a category B member, usually because their employer is already contributing to a scheme on their behalf such as the Government Superannuation Fund. Read more about category B membership.

Contribution options

Here are the contribution options for category A members.

Permanent employees

  • 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 for you.
  • Your employer will contribute 1.35 times your contributions up to a maximum of 6.75%. You need to contribute 5% of your salary to gain the maximum employer subsidy.
  • If you also choose to join the locked section also:
    • 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.

Fixed-term employees

  • 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 for you.
  • Your employer will contribute 1.35 times your contributions up to a maximum of 6.75%. 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.

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

Changing 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 contributions form [PDF, 103 KB]. 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.