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Building wealth doesn’t happen in minutes. Getting started does.

Creating an account takes minutes. Confirm your identity and details, then get on your way to achieving your financial goals.

Sign up for free in a matter of minutes.

The first step to getting started with any Kernel products is creating an account.

Whether you are setting up an individual, kids, trust or company account, signing up is paperless, hassle-free and doesn’t cost a cent!

Confirm your identity.

The next step is to confirm it’s you opening an account - a tiny bit of admin, but a very important step!

You’ll need your bank account details, IRD number and I.D. This can be your NZ drivers license or passport.

We can also accept a certified copy of foreign passports – get in touch with our friendly team with any further questions.

Start working towards your goals.

Once you’re verified, start saving towards your short term goals with Kernel Save, build a long-term investment portfolio with Kernel Invest or transfer your KiwiSaver balance.

Simply sign in to see your dashboard and pick the products that fit what you need.

Low fees and no hidden costs.

We have no lock-ins, minimum deposit amounts, transaction fees or foreign exchange fees, so managing your account is easy. In fact, for any portfolio balances under $25,000 the member fee is on us!

Find out more about our fees below.

Personalise your account to work for you.

Access and adjust your investments at any time. Set-up auto-invest in a few clicks, customise your savings accounts, set some goals or withdraw your money if you need it.

We’ll take care of the tax and distributions so you can sit back, relax and let your money grow.

Got questions?
We have answers.

  • Help! My verification failed. What now?

    If your verification failed during the application process it means we could not match the details entered on your account to a registered database. Our team can manually verify you once you have emailed through a NZ identification and proof of address. Read our full FAQ.

  • How much will I pay in fees?

    The fees you pay depend on the products you would like to use. You can read more about our pricing here. There are no membership, entry, exit, switch or transaction fees!

Start growing your wealth in minutes.

Open a Kernel account in minutes.

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Indices provided by: S&P Dow Jones Indices