Tower TOWER KiwiSaver

You are about to make an important investment decision on behalf of a minor; where appropriate discuss this decision with them before proceeding. Only a legal guardian of the minor can complete this application on their behalf.

This decision includes choosing how much to contribute and what kinds of funds you invest in. Before you sign up to the TOWER KiwiSaver Scheme, it's a legal requirement that you read the investment statement, which you'll need to download as part of the sign-up process. The good news is that the TOWER KiwiSaver Scheme investment statement can really help with the sign-up process.

You are able to make an application here to enrol a minor who is not employed. Simply complete this online application form, submit the details and we'll take it from there.

If a minor who is employed and paid via the PAYE systems wishes to enrol, please download the TOWER KiwiSaver Scheme Investment Statement and use the application forms in that.

If the person you are applying on behalf of is an existing KiwiSaver member, you may also apply to transfer from their existing KiwiSaver scheme and join the TOWER KiwiSaver Scheme here. TOWER will arrange the transfer of their existing KiwiSaver account to the TOWER KiwiSaver Scheme.

Sign up generally takes less than five minutes.

During sign-up if you wish to nominate a school as part of the TOWER Cash 4 Schools programme, please clearly state the name of the school when requested on the Adviser Details section during the online sign-up process.

By completing this process you are applying for a minor to become a member of the TOWER KiwiSaver Scheme and accordingly they are not able to opt out of KiwiSaver. If the minor has a job and they are paid through the PAYE system they will have to contribute at the minimum contribution rate of 2% of their gross salary or wages. The minor may however, at a later date go on a contributions holiday. More information on this can be found in the investment statement (see 'How much do I pay').

Please Note to complete the sign up process you need to:

1. Read the TOWER KiwiSaver Scheme investment statement.
2. Get your identity verified (If you are new to KiwiSaver we will require verification of your identity. You'll find out more about identity verification later in the application process. Your employer may be able to do this for you).
3. Have the minor's IRD number handy. Minors will need an IRD number. If they do not have an IRD number complete this form and submit it to Inland Revenue. Once you have the number return here to complete the enrolment.