BetterSaver: How it works

We make it easy to find a better fund, switch in minutes, and stay on track for the future you want. Here's how it works:

Tell us a little about you

The right KiwiSaver fund depends on your life — not just your age. We start by understanding your goals, comfort with risk, and what matters to you ethically.

What we ask

Are you saving for your first home or for retirement?
How do you feel about investment ups and downs?
Do you want to avoid things like weapons, gambling, or fossil fuels?

It only takes a couple of minutes — and it's the foundation for better advice.

We find you a better fund - and handle the switch

Most people are in a fund that's just not right for them. We analyse the entire market to find one that suits you better.

How we do it

We analyse over 300 KiwiSaver funds
We look at performance, risk, fees, and where your money is invested
We use independent data from Morningstar
Every fund is rated from A+ to F, and we only recommend the best fit

If you're ready to switch

You give us the details we need (IRD number, ID, etc.)
We handle the switch — fast, secure, and hassle-free
You'll get updates along the way so you're never left wondering

It's simple, stress-free, and could make a real difference to your future.

Keep your KiwiSaver working harder

Switching is just the start. We help you stay on track - and reward you for it.

What you get

A dashboard that shows how your KiwiSaver is tracking
Tools to help you stay on course toward your goal - first home or retirement
Helpful nudges to keep you moving forward

Your life will change. Your KiwiSaver should keep up.

Ready to get started?

Most people don't realise how much money they're leaving on the table. It takes just a few minutes to get advice and find a better fund.

Get started now

Frequently asked questions

See more FAQs

I don’t have KiwiSaver yet. How can I join?

Simply sign up at Bettersaver, we’ll provide you with unbiased recommendations as to which kiwisaver scheme may be best for you. We’ll pass your info on to your chosen fund provider and the IRD. If you’re an employee and meet the enrollment criteria, your employer will sort out the paperwork. If you’re self employed head to our KiwiSaver Fund Advisor to find the right fund.

What customers are saying

4.8 Google rating
★★★★

Abi F.

Thanks BetterSaver for helping me find the right place to put my KiwiSaver. Friendly team always there to help and it’s easy to sign up!

Aidan Dayvyd

I love what BetterSaver is doing for consumers, giving control over Kiwisaver beyond the percentage gains. The ethics quiz is such a neat idea… it’s great knowing how my money stacks up with what I want my future to be.

Disgruntled customer 483

Didn’t make me more money than my last provider

John Doe

Great service!

Miss MJ

Extremely happy with the process and the transfer not only that a much greater way of getting assistance rather than letting everything sit and do nothing thank you so much, can’t wait to progress.

Vicki Ritchie

I had a great experience with BetterSaver. Jade was personable, professional, knowledgeable and extremely helpful. Process was seamless and I would definitely recommend.

4.8 Google rating
★★★★