Contributing to KiwiSaver

Growing your AMP KiwiSaver Scheme balance

The AMP KiwiSaver Scheme is designed to be flexible around the way you contribute. So whether you’re in a permanent job, freelancing, running your own business, or not working at all, there are options for ways to contribute.
Increase your contributions
Increase your contributions

Extra contributions from the Government
Extra contributions from the Government

Contributions from your employer
Contributions from your employer

Log in to MyAMP
Log in to MyAMP

Ways you can contribute

Quick and easy with MyAMP

MyAMP Online

MyAMP Mobile

Make a one-off contribution (up to $100,000) or set up regular contributions (no limit).

(New? Register for MyAMP)

Internet banking

Make one-off or regular payments from your bank.

What you will need:
• Your KiwiSaver number or policy number
• Access to your bank’s internet banking portal

Making contributions while you’re working

When you start a job that pays you using the PAYE system, you’ll generally have the option to select how much of your gross salary or wages you want to contribute to KiwiSaver: 3%, 4%, 6%, 8% or 10%. If you don’t let your employer know, your default rate will be 3%.

Your employer will make deductions at the rate you choose and pay the funds to Inland Revenue. Inland Revenue will then transfer your funds to your KiwiSaver scheme provider.

When you first join KiwiSaver, Inland Revenue will hold any contributions you make via your employer in an interest-bearing account for three months. Inland Revenue then transfers your contributions and interest to your KiwiSaver scheme provider.

Contributions made after the first three months will automatically be transferred via Inland Revenue to your KiwiSaver provider.

There are many ways to make extra contributions to your AMP KiwiSaver Scheme. The three easiest ways are outlined at the top of this webpage: 1. internet banking, 2. submitting the AMP KiwiSaver online top up form or 3. through MyAMP.

If you want to change your contribution rate, you can talk to your employer.

Take advantage of the Government contribution

Every year, the Government will contribute 50 cents for every dollar you put into your KiwiSaver account, up to a maximum of $521.43. This Government contribution is paid into your AMP KiwiSaver Scheme account in late July or early August.

If you’re between the ages of 18 and 64, reside mainly in New Zealand and you put in $1,042.86 each year (about $20 a week), you may be eligible for the full Government contribution of $521.43. So don’t forget to top up your KiwiSaver account so you don’t miss out on the free $521.43.

Eligibility criteria apply – click here for more information about the annual Government contribution.

man on laptop

How to top up

Making a top-up payment to your KiwiSaver, your investments, or your insurance is easy with a little help from AMP.

What KiwiSaver contributions you can expect from your employer

If you’re contributing part of your before tax pay to KiwiSaver, your employer also needs to contribute 3% to your KiwiSaver account, as long as you:

• have reached age 18
•  have not reached your qualifying date
• are eligible for compulsory employer contributions.

Your employer may agree to make contributions over and above the minimum compulsory contribution rate, check with them to find out. 

If your employer is already contributing to a registered superannuation scheme for you, you may not be entitled to compulsory employer contributions to your KiwiSaver account as well. Make sure you speak with your employer to confirm if they are already contributing for you.

Find out more by downloading the AMP KiwiSaver Product Disclosure Statement.

Increasing your KiwiSaver contributions through your employer

To increase your KiwiSaver contributions, you will need to tell your employer. To do this, simply give your payroll or HR department a call or you can copy and paste this email and send it to them:

Dear Manager,
Please update my KiwiSaver contribution rate to [choose from 3,4,6,8, or 10%]. Please let me know when this has been done.
Thank you, [your name]

Internet banking - make one-off or regular payments from your bank

What you will need

• Your KiwiSaver number or policy number
• Access to your bank's internet banking portal

How does it work?

1. Log in to your bank's website
2. Select AMP from the list of payees
3. Choose the account applicable to your product (see the table below for help)
4. Follow the instructions

AMP KiwiSaver Scheme:
Particulars: Your surname (Eg: Bloggs)
Code: Your IRD number
Reference: Your KiwiSaver member number

You may also want to explore a savings suspension

If you are employed, you may apply to Inland Revenue for a savings suspension (i.e. to stop future employee contributions coming out of your pay and into your KiwiSaver account). A savings suspension lets you take a break from making contributions to your KiwiSaver for 3 to 12 months to help you meet your on-going living expenses. This option is only available if you have contributed and been a KiwiSaver member for 12 months or more (or earlier if you’re experiencing some financial difficulty).

Note that stopping your employee contributions will also stop the contributions made by your employer, unless your employment agreement states otherwise. Taking a savings suspension could also mean you may not contribute enough to receive the annual Government contribution.

Visit the Government’s KiwiSaver website for more information on savings suspensions here.

Why can't I see contributions into my KiwiSaver immediately?

You may have noticed there is a delay from when you see a deduction on your payslip and the money being added to your KiwiSaver account. This is partly because the money doesn’t go directly from your employer to AMP.

Your employer will firstly send both your employee contributions from your pay and their contribution through to Inland Revenue (previously known as the IRD). Inland Revenue does a few checks to make sure the right amount goes to the right person, and then sends the money to AMP. They do this regularly for every provider nationwide. It can take around 3 months from receiving your payslip to the money arriving in your KiwiSaver account. If your money is delayed with IRD, you will receive interest, which will be sent through at the same time.

When AMP receives the money from IRD, this is added to your KiwiSaver account within 2-3 days and invested in your chosen fund(s). You can see it has arrived by checking online with My AMP.

Important information

AMP Wealth Management New Zealand Limited is the issuer and manager of the AMP KiwiSaver Scheme (the 'Scheme'). The Supervisor of the Scheme is The New Zealand Guardian Trust Company Limited.

For more information, download a copy of the AMP KiwiSaver Scheme Product Disclosure Statement and Fund Update Booklet, which have been lodged on the Scheme's offers register entry at

While care has been taken to supply information on this website and within the chatbot tool that is accurate, no entity or person gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way including from any error or omission.

The information provided on this website is of a general nature and does not constitute financial advice, unless otherwise specified. If you would like advice on the benefits of the AMP KiwiSaver Scheme in comparison to other schemes, or which takes your individual circumstances into account, we recommend that you seek professional or financial advice.