Financial Assistance

We know funeral costs can feel overwhelming. Our team can guide you through available financial support—such as WINZ, ACC, KiwiSaver, and insurance—and help with the paperwork to make things easier.

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Kiwisaver Deceased Estate Withdrawal

Kiwisaver Deceased Estate Withdrawal

The KiwiSaver Deceased Estate Withdrawal allows a loved one’s KiwiSaver savings to be released after their passing as part of settling their estate. If the total KiwiSaver balance is under $40,000 (the updated threshold from September 2025), families can usually access the funds without needing probate or letters of administration, provided they supply the required documents. These typically include a certified death certificate, identification for the next of kin or authorised person, and a completed withdrawal form. For KiwiSaver accounts over $40,000, or where the person owned other assets requiring legal administration, probate or letters of administration will still be needed before the provider can release the funds. Once approved, the full KiwiSaver balance is paid to the estate or authorised representative, helping whānau in Auckland and across New Zealand manage funeral costs, final bills, or distribute the estate according to the person’s wishes. This process ensures their savings are transferred smoothly and respectfully as part of their final arrangements.

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  • Who can request a KiwiSaver withdrawal after someone has passed away?

    If you’re the executor, administrator, or next of kin, you can request the withdrawal on behalf of your loved one’s estate.

  • How much can you withdraw?

    If their KiwiSaver balance is under $40,000, the provider can usually release it without probate or letters of administration. If it’s over that amount, you’ll need formal estate documents.

  • What can the funds be used for?

    Once released, the money becomes part of the estate. You can use it to help pay funeral costs, settle debts, or distribute it to beneficiaries.

  • How do you apply?

    We’ll guide you through the entire process. We help you gather the documents, complete the forms, and submit everything to the KiwiSaver provider.

Financial support during a difficult time shouldn’t be confusing.

Our team will guide you through every option - Work and Income, ACC, KiwiSaver, insurance, or bank withdrawals - and help you complete each application correctly. With clear explanations and practical support, we make accessing financial assistance in Auckland simple and stress-free.