Set your child up for future success with JUNO

JUNO offers no fees for members under 18. We think KiwiSaver providers shouldn’t profit from young Kiwis. That’s why we don’t charge any fees for under-18s – we want to encourage saving from a young age

One of the best decisions you can make is to start investing early. The longer your money’s invested, the greater chance you have of reaching your savings goals. For parents and caregivers, this is your chance to give your child a real head start.

What are the benefits of signing your child up?


There are benefits to setting your child up with a JUNO account.

  • No fees for anyone under the age of 18 - this really helps balances grow
  • Your child can use the money to help buy their first home
  • When they start working, they will already be enrolled in KiwiSaver
  • Usually a KiwiSaver account will earn higher returns over the long run, compared to a bank savings account
  • Your child will learn about KiwiSaver and be part of a new generation of Kiwis using, and engaged with, their KiwiSaver account


One important thing….

Your child’s KiwiSaver money can only be used for their first home, or when they reach 65. If your child will want access to this money before then, say for their education, or you want more flexibility, then having it locked in a KiwiSaver account might not suit you.

Are you a school leaver?

If you have a part-time job, or have started full-time work, you may be in KiwiSaver already. KiwiSaver is a great tool to help you save money when you start working. It can even help you save for your first home (even though that might be a few years away!).

The best part about JUNO is that we charge no fees for KiwiSaver balances under $5,000. This really helps grow your balance!

What People Are Saying About Us

They use an active investing strategy, where a fund manager actively makes decisions about where to invest the scheme’s money, with the aim to outperform the market

—Money King

It is clear that JUNO cares about plain language and about giving citizens information in clear, accessible ways!

—Plain English Awards

Many KiwiSaver fund managers take a bite of any market-beating returns - JUNO KiwiSaver does not


The scheme’s fee structure is its main point of difference.


Juno KiwiSaver is offering what it calls a ‘Netflix-style’ monthly subscription model, calculated on the customer’s level of investment.

NZ Herald Nadia Idealog Interest Moneyhub Money King Plain English Awards

Join thousands of other Kiwis growing their savings

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How do I sign my kids up?

It’s easy to sign your kids up. All you need is:

  • Your child's ID in the form of a passport, driver’s licence or birth certificate.
  • For children 16 or 17, one of their parent(s) or guardian(s) will also be required to complete the online application and verify their identity.
  • For children aged 15 and under, both their parents or guardians will be required to complete the online application and verify their identity.
  • Your child will also need to have an IRD number. Get an IRD number here.
  • If you’re having trouble, just contact us.

    I’m a solo parent. Can I still sign my kids up?

    Yes, you can sign your kids up. You might be contacted later by our customer service team, who might need more information.

    How do kids grow their KiwiSaver balances when they aren’t working?

    A KiwiSaver account is an investment. This means your money should get returns over the long term, based on how much money is in the account.

    Parents, grandparents, family members and friends can easily deposit money into the child’s account if they want. Just use the online portal to view the details for making a deposit. Or contact us if you need help.

    Do kids get the government contribution?

    Unfortunately, KiwiSaver members who are under 18 don’t get the government contribution, no matter how much money is in their account.

    Once they are 18, if they earn at least NZ$34,762 (before tax) and contribute the minimum of 3 per cent of their salary into KiwiSaver, they’ll automatically qualify for the government contribution.

    For every dollar you contribute from July one year to June the next, the government will pay you 50 cents, up to a total of NZ$521.43.

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