Pricing and benefits

We've kept our fees low, simple and transparent.

Core

For investors starting out, or those seeking a simple, low-cost way to save and invest with confidence.

$0

NZD

/yearly

Benefits

Access to KiwiSaver, Investing & Saving
1.50% FX fee on US Shares and ETFs
KiwiSaver and Fund fees from 0.25% p.a.
Individual, joint & child accounts
A platform experience to love

Start investing now

Who is this for?

Great for investors who are:

Starting out, or those seeking a simple, low-cost way to save and invest with confidence.

Membership

Pay monthly

Free

Pay yearly

Free

Funds

Management fee

0.25-0.50% p.a.

Transaction fees

Minimums

None

Total World Fund

Auto invest

Fund insights

KiwiSaver

Member fee

Management fee

0.25-0.50% p.a.

Transaction fees

Diversified funds

Build your own (25+ index funds)

US Shares & ETFs

FX fee

1.50%

Brokerage fee

Minimums

Limit Orders

Auto Invest

Savings

Kernel Save

Kernel PIE Save

Interest rate

2.25% p.a.*

Term period

None

Auto Save

Yes (Kernel Save only)

PIE Save Tax treatment

Account types

Kids account

Individual & joint

Trusts & companies

Tools

Goal tracking

Plus

For regular investors wanting access to our full fund range and tools to automate their investing.

$50

NZD

/yearly

Benefits

Everything in Core
0.60% FX fee on US shares & ETFs
Access to Total World Fund (NEW)
Access to PIE Save (NEW)

Start investing now

Who is this for?

Great for investors who are:

Regular investors wanting access to our full fund range and tools to automate their investing.

Membership

Pay monthly

$5 NZD/monthly

Pay yearly

$50 NZD/year

Funds

Management fee

0.25-0.50% p.a.

Transaction fees

Minimums

None

Total World Fund

Auto invest

Fund insights

KiwiSaver

Member fee

Management fee

0.25-0.50% p.a.

Transaction fees

Diversified funds

Build your own (25+ index funds)

US Shares & ETFs

FX fee

0.60%

Brokerage fee

Minimums

Limit Orders

Auto Invest

Savings

Kernel Save

Kernel PIE Save

Interest rate

2.25% p.a.*

Term period

None

Auto Save

Yes (Kernel Save only)

PIE Save Tax treatment

Taxed at your PIR

Account types

Kids account

Individual & joint

Trusts & companies

Tools

Goal tracking

Premium

For investors with larger portfolios seeking enhanced benefits, our lowest FX rate, and more value.

$150

NZD

/yearly

Benefits

Everything in Plus
0.40% FX fee on US shares and ETFs

Start investing now

Who is this for?

Great for investors who are:

Investors with larger portfolios seeking enhanced benefits, our lowest FX rate, and more value.

Membership

Pay monthly

$15 NZD/monthly

Pay yearly

$150 NZD/year

Funds

Management fee

0.25-0.50% p.a.

Transaction fees

Minimums

None

Total World Fund

Auto invest

Fund insights

KiwiSaver

Member fee

Management fee

0.25-0.50% p.a.

Transaction fees

Diversified funds

Build your own (25+ index funds)

US Shares & ETFs

FX fee

0.40%

Brokerage fee

Minimums

Limit Orders

Auto Invest

Savings

Kernel Save

Kernel PIE Save

Interest rate

2.25% p.a.*

Term period

None

Auto Save

Yes (Kernel Save only)

PIE Save Tax treatment

Taxed at your PIR

Account types

Kids account

Individual & joint

Trusts & companies

Tools

Goal tracking

Compare features

View our full breakdown of features and fees.

	Core	Most Popular Plus	Premium
Who is this for?
Great for investors who are:	Starting out, or those seeking a simple, low-cost way to save and invest with confidence.	Regular investors wanting access to our full fund range and tools to automate their investing.	Investors with larger portfolios seeking enhanced benefits, our lowest FX rate, and more value.
Membership
Pay monthly	Free	$5 NZD/monthly	$15 NZD/monthly
Pay yearly	Free	$50 NZD/year	$150 NZD/year
Funds
Management fee	0.25-0.50% p.a.	0.25-0.50% p.a.	0.25-0.50% p.a.
Transaction fees	$0	$0	$0
Minimums	None	None	None
Total World Fund
Auto invest
Fund insights
KiwiSaver
Member fee	$0	$0	$0
Management fee	0.25-0.50% p.a.	0.25-0.50% p.a.	0.25-0.50% p.a.
Transaction fees	$0	$0	$0
Diversified funds
Build your own (25+ index funds)
US Shares & ETFs
FX fee	1.50%	0.60%	0.40%
Brokerage fee	$0	$0	$0
Minimums	$1	$1	$1
Limit Orders
Auto Invest
Savings
Kernel Save
Kernel PIE Save
Interest rate	2.25% p.a.*	2.25% p.a.*	2.25% p.a.*
Term period	None	None	None
Auto Save	Yes (Kernel Save only)	Yes (Kernel Save only)	Yes (Kernel Save only)
PIE Save Tax treatment		Taxed at your PIR	Taxed at your PIR
Account types
Kids account
Individual & joint
Trusts & companies
Tools
Goal tracking

Pricing and benefits

Core

$0

Full list of features

Who is this for?

Membership

Funds

KiwiSaver

US Shares & ETFs

Savings

Account types

Tools

Plus

$50

Full list of features

Who is this for?

Membership

Funds

KiwiSaver

US Shares & ETFs

Savings

Account types

Tools

Premium

$150

Full list of features

Who is this for?

Membership

Funds

KiwiSaver

US Shares & ETFs

Savings

Account types

Tools

Compare features

Core

Plus

Premium

Who is this for?

Membership

Funds

KiwiSaver

US Shares & ETFs

Savings

Account types

Tools

Your questions, answered

What do I need to get started?

How safe is my investment?

Who can join KiwiSaver?

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