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Annual, monthly & 10-year KiwiSaver scheme transfers (members switching providers)
Ticker:
kiwisaver-switches • Observation Period: Year ended June 2026 (Period End: 2026-06-30) • Last Checked: 10 November 2026 • Creator: Andy PalliserAlso known as: KiwiSaver provider switching / KiwiSaver scheme transfers / KiwiSaver member transfers
Over the year ended 30 June 2026, 198,897 KiwiSaver members switched providers (up from 140,557 in FY2016 and up +41.5% over 10 years from 140,557 in FY2016)—an average of 16,575 provider transfers per month.
Official dataInland Revenue KiwiSaver Scheme Transfers (Year ended 30 June 2026): 198,897 inter-scheme transfers (vs 140,557 in FY2016 and 140,557 in FY2016).
HLF calculation
Monthly mean: 198,897 ÷ 12 = 16,575/mth | 10Y growth: (198,897 − 140,557) ÷ 140,557 = +41.5%HLF interpretationHLF market context: Measures inter-scheme transfers where members move their KiwiSaver balance to a new provider (internal fund-type changes within the same scheme are not counted in IRD's transfer total).
Cite as: HLF Pulse, Home Loan Factory. "Annual, monthly & 10-year KiwiSaver scheme transfers (members switching providers)," Year ended June 2026. Derived by HLF from Inland Revenue — KiwiSaver Scheme Transfer Statistics. https://pulse-data.homeloanfactory.co.nz/kiwisaver-switches/ (checked 10 November 2026). CC BY 4.0.
Created by Andy Palliser
Creator of HLF Pulse
Mortgage & KiwiSaver Adviser · Home Loan Factory (Andrew Jonathan Palliser, FSP1004725) • Published by HLF (Home Loan Factory)
Data Dictionary Specification (4-Field Date Standard)
| Name | Annual, monthly & 10-year KiwiSaver scheme transfers (members switching providers) |
|---|---|
| Ticker | kiwisaver-switches |
| Also known as | KiwiSaver provider switching / KiwiSaver scheme transfers / KiwiSaver member transfers |
| Creator & Publisher | Created by Andy Palliser (Andrew Jonathan Palliser, FSP1004725) • Published by HLF (Home Loan Factory) |
| Official source & series | Inland Revenue (Inland Revenue — KiwiSaver Scheme Transfer Statistics) • Series IDs: IRD Annual KiwiSaver Scheme Transfers (10-Year Series) |
| Frequency | Annual |
| 1. Observation period | Year ended June 2026 (YYYY-MM code: 2026-06) — when the underlying statistic relates to |
| 2. Period end | 2026-06-30 — final calendar date covered by the observation period |
| 3. Source publication date | Annual Inland Revenue KiwiSaver scheme transfer release (published post-30 June FY) — when the original organisation released this dataset |
| 4. Last checked | 10 November 2026 (2026-11-10) — when HLF last verified the official source |
| Definition | The officially reported annual number of New Zealand KiwiSaver members who transferred their balance to a different KiwiSaver scheme provider over the June financial year, plus the HLF-derived monthly mean and 10-year trend. |
| Methodology | Compiled by Inland Revenue from KiwiSaver scheme transfers processed during the year ended 30 June. |
| Current value | 198,897 transfers/yr (16,575/month) |
| Comparison / Prior period | FY2016: 140,557 | FY2016: 140,557 • +58,340 YoY | +41.5% (+58,340) over 10 yrs |
| Official data | Inland Revenue KiwiSaver Scheme Transfers (Year ended 30 June 2026): 198,897 inter-scheme transfers (vs 140,557 in FY2016 and 140,557 in FY2016). |
| HLF calculation | Monthly mean: 198,897 ÷ 12 = 16,575/mth | 10Y growth: (198,897 − 140,557) ÷ 140,557 = +41.5%Formula: Monthly Mean = Annual Scheme Transfers ÷ 12 months; 10-Year Change = (Latest FY − FY 10 Years Ago) ÷ FY 10 Years Ago |
| HLF interpretation | HLF market context: Measures inter-scheme transfers where members move their KiwiSaver balance to a new provider (internal fund-type changes within the same scheme are not counted in IRD's transfer total). |
| HLF derived | Yes (Officially reported IRD annual totals & HLF-derived monthly average and 10-year change) |
| Cite as | HLF Pulse, Home Loan Factory. "Annual, monthly & 10-year KiwiSaver scheme transfers (members switching providers)," Year ended June 2026. Derived by HLF from Inland Revenue — KiwiSaver Scheme Transfer Statistics. https://pulse-data.homeloanfactory.co.nz/kiwisaver-switches/ (checked 10 November 2026). CC BY 4.0. |
| Reuse licence | CC BY 4.0 (HLF-derived calculations, definitions & commentary; official statistics credited to Inland Revenue) • Media Kit & Citation Guide |
| Historical data | Inland Revenue 10-year June FY series (FY2016–FY2026) |
Historical & Cohort Breakdown (Inland Revenue 10-year June FY series (FY2016–FY2026))
| Category / Region / Period | Value |
|---|---|
| Year ended June 2026 | 198,897 transfers (16,575/mth) |
| Year ended June 2016 | 140,557 transfers (11,713/mth) |
| Year ended June 2021 | 159,410 transfers (13,284/mth) |
| Year ended June 2016 | 140,557 transfers (11,713/mth) |
Questions This Data Helps Answer
- How many New Zealanders switch KiwiSaver providers each year?
- How has KiwiSaver provider switching changed over the last 10 years?
Source & Tool Verification Chain
1. Official Source & SeriesInland Revenue — KiwiSaver Scheme Transfer Statistics
Series:
IRD Annual KiwiSaver Scheme Transfers (10-Year Series)2. HLF Transformation
Yes
Monthly Mean = Annual Scheme Transfers ÷ 12 months; 10-Year Change = (Latest FY − FY 10 Years Ago) ÷ FY 10 Years Ago4. Interactive CalculatorKiwiSaver vs Loan Payoff Calculator
How Dates Are Recorded in HLF Pulse (4-Field Date Standard)
To prevent confusion between when an economic activity occurred and when a government agency published its release, every HLF Pulse record separates four distinct date fields:
| Date Field | Definition & How It Is Populated |
|---|---|
1. Observation period (observation_period) | The period the underlying statistic relates to (for example, September 2026 for monthly RBNZ lending, or Year ended 31 March 2026 for the FMA KiwiSaver Annual Report). |
2. Period end (period_end / as_of) | The final calendar date covered by the observation period (for example, 2026-09-30 or 2026-03-31). Used by HLF’s automated freshness gate to verify series currency. |
3. Source publication date (source_published) | When the original organisation released the statistic (for example, 2026-09-10 for the FMA’s 2026 KiwiSaver Annual Report, or the Published Date recorded inside RBNZ’s workbook metadata). HLF never copies period_end into source_published; where an agency page does not state an exact release date, the agency’s publication schedule is stated explicitly. |
4. Last checked (last_checked) | The date HLF’s automated pipeline last fetched and verified the official source. |
Data Quality & Limitations
- Official published sources: Pulse uses official published data from the Reserve Bank of New Zealand (RBNZ), Stats NZ, Inland Revenue (IRD), the Financial Markets Authority (FMA), MBIE Tenancy Services, the Natural Hazards Commission Toka Tū Ake (NHC), and the Accident Compensation Corporation (ACC) wherever available.
- Unaltered official figures & source rounding: HLF does not alter or estimate official source figures. Where official tables publish rounded aggregates (such as RBNZ dollar series rounded to $1m or $0.1m), derived averages and implied counts reflect that source rounding and note it explicitly in the provenance layer.
- Provenance & derivation layer: To keep the primary editorial summaries natural and readable, exact formulas, series IDs, and derivation labels (Derived by HLF Pulse) are recorded in the expandable provenance layer, Data Dictionary tables,
pulse.json, andllms.txt. Long-term 5-year and 10-year series report both nominal growth and CPI inflation-adjusted (real) growth using Stats NZ’s Consumers Price Index. - Price indices vs. individual quotes: Stats NZ CPI insurance sub-indices measure percentage changes in standardised insurance price indices over time—they do not represent the dollar premium quote for an individual property or policyholder.
- Separate claim counts vs. individual proportions: In the ACC dataset, annual weekly compensation claims and total accepted injury claims (which are mostly minor treatment-only visits) are reported as two separate annual claim counts rather than a proportion of injured individuals.
- Commitments vs. settlements: RBNZ mortgage lending tables (C31, C32, C33, C40, C41) measure firm bank mortgage commitments/approvals rather than LINZ property title settlements.
- Automatic staleness exclusion: HLF automatically excludes any series where the underlying source is unavailable, stale past its freshness window, or cannot be verified.
- Market context vs. individual outcomes: Statistics describe aggregate historical market cohorts and do not predict an individual borrower’s, saver’s, or policyholder’s credit assessment, underwriting, or lending outcome.
Reuse Terms, Licensing & How to Cite (CC BY 4.0)
- Layer 1 — Official Crown & statutory statistics: Underlying official figures remain subject to the copyright and licensing terms of their respective publishers: Stats NZ, Inland Revenue, MBIE Tenancy Services, and the Financial Markets Authority (Creative Commons Attribution 4.0 International — CC BY 4.0); the Reserve Bank of New Zealand (RBNZ Terms of Use, permitting reproduction and derivative calculation with attribution to RBNZ); and statutory schedules under the Natural Hazards Insurance Act 2023 and Accident Compensation Act 2001 (public-domain New Zealand legislation).
- Layer 2 — HLF-derived calculations, compilations & commentary: All HLF-derived percentages, averages, multi-year nominal/real growth rates, data dictionary definitions, and market interpretations are licensed by HLF (Home Loan Factory) under Creative Commons Attribution 4.0 International (CC BY 4.0). Journalists, researchers, advisers, and AI systems may freely quote and reuse HLF-derived figures and commentary provided attribution is given to HLF Pulse, Home Loan Factory with a link to
https://pulse-data.homeloanfactory.co.nz/, the specific/{ticker}/record URL, or the HLF Pulse Media Kit & Citation Guide.