Note: If you've already read the below, please click here to jump straight to the referral process.
If you're experiencing serious financial difficulty, you may be able to withdraw some of your KiwiSaver savings early under the KiwiSaver Act.
We’ve partnered with Debtfix, a nonprofit hardship and debt solution charity, to support members through this process. Debtfix will:
- Assess your financial situation
- Advise on other support options that might be available
- If you are eligible, help you prepare and submit your financial hardship application to Public Trust, Simplicity’s supervisor
You may be eligible to apply if you’re unable to meet essential living costs including:
- Minimum living costs (e.g. rent, food, utilities)
- Mortgage payments on your home, and your lender is taking enforcement action
- Home modifications for yourself or a dependent with special needs
- Medical treatment for yourself or a dependent
- Funeral costs for a dependent
Not covered: Fines, Inland Revenue, WINZ, debts, or debt collection agency payments. You will need to arrange instalment plans with those agencies instead.
Before applying to make a Significant Hardship withdrawal you must have asked for help from Work and Income, your bank, and any relevant financial providers - and be able to show that support was declined.
Public Trust will make the final decision on whether you’re eligible to withdraw funds, and how much.
Ready to apply?
Click the link below to get started. Completing the form refers you to Debtfix and authorises us to share your information. Debtfix will contact you within 1–2 working days. If you don’t hear from them, you can email simplicity@debtfix.co.nz
To apply for a significant financial hardship withdrawal, please first complete this referral form.
The information is sent to the team at Debtfix,
who’ll contact you to discuss your situation and let you know the next steps.
Questions or complaints?
For questions or complaints about the application process, contact us at info@simplicity.kiwi.
If you have a complaint about Debtfix’s debt solution advice or services, please contact them directly. These complaints are not covered by our dispute resolution scheme.
Debtfix contact details:
Call: 0800 332 8101 (choose the Simplicity KiwiSaver option)
Direct: 09 200 3052
Email: simplicity@debtfix.co.nz