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KiwiSaver Deduction Form: KiwiSaver deduction form (KS2)
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KS2 in short
The KS2 is the form an employee gives their employer to start KiwiSaver deductions or change the contribution rate. You use it when you start a new job, when you want to opt into KiwiSaver as an existing employee, or when you are a member and want a different rate. The April 2026 form offers rates of 3.5%, 4%, 6%, 8% and 10%, with 3.5% as the default.
| Issued by | Inland Revenue (Te Tari Taake), New Zealand |
|---|---|
| Current version | April 2026 (checked 2026-10-25) |
| Who fills it in | Employees starting a new job, existing employees who want to opt into KiwiSaver, and KiwiSaver members who want to change their contribution rate. The form says you are not auto enrolled in a new job if you are under 18 or over the age of eligibility for New Zealand Superannuation (currently 65). Under 18s join through a scheme provider, not the employer. |
| Who receives it | Your employer. The form says not to send it to Inland Revenue. |
| Where to send it | Give the completed form to your employer. The employer keeps it with business records for 7 years after the last salary or wage payment to you. |
| Deadline | No fixed date. Give it to your employer when you start the job or when you want the change to apply. |
| Fee | No fee. |
| Official links | Official page · Official PDF |
What changed
The April 2026 form lists contribution rates of 3.5%, 4%, 6%, 8% and 10% and a default rate of 3.5%.
How to fill out KS2, line by line
| Section A, Q1 to Q3 | Membership, savings suspension and temporary rate reduction Tick whether you are already a KiwiSaver member, on a savings suspension, or on a temporary rate reduction. If you have a savings suspension notice, show it to your employer. |
| Section B, Q4 | IRD number Required. If you do not know it or do not have one, the form gives the number 0800 549 472. |
| Section B, Q5 to Q8 | Name, address, phone and email Use block letters. Tick your title, then add your first names, surname and postal address. An email address is optional. |
| Section C, Q9 | Contribution rate Tick 3.5%, 4%, 6%, 8% or 10%. If you do not choose, the default rate of 3.5% is deducted. |
| Section C, Q10 | Declaration, signature and date Sign and date to declare the information is true and correct, then give the form to your employer. |
Common mistakes to avoid
- Posting the form to Inland Revenue. It goes to your employer.
- Leaving out your IRD number. The form says you must provide your IRD number, name and address.
- Not ticking a rate and expecting the old rate. If no rate is chosen, 3.5% is deducted.
- Forgetting to show a savings suspension notice. Without it your employer will start deductions.
- Opting in at 65 or over without reading the note. The form says if you opt in, you cannot opt out.
- Under 18s trying to join through their employer. They join through a scheme provider.
Questions about KS2
What rates can I choose on the KS2?
The April 2026 form offers 3.5%, 4%, 6%, 8% or 10%. If you do not choose, 3.5% is deducted.
Do I send the KS2 to Inland Revenue?
No. You give it to your employer, who keeps it on file.
Can I change my rate without a KS2?
Inland Revenue says employees can also ask for a rate change through their KiwiSaver provider or in myIR.
I am on a temporary rate reduction. What do I do?
Show your employer the confirmation letter from Inland Revenue. The form says this makes sure they deduct at 3%.
What does my employer do with it?
For auto enrolment or an opt in, the employer uses it to fill in the IR346K for Inland Revenue and gives you the KS3 employee information pack.
How do I opt out instead?
New employees who were auto enrolled use the KS10 opt-out request between day 14 and day 56 of the new job.
Related forms
Tools for this form
Sources
Checked against the official sources on 2026-10-25. PDF Editor Hub is not affiliated with the Inland Revenue or any government agency. This page is general information, not legal or tax advice.
- https://www.ird.govt.nz/-/media/project/ir/home/documents/forms-and-guides/ir1---ir99/ks2/ks2.pdf
- https://www.ird.govt.nz/kiwisaver/kiwisaver-employers/starting-employees-in-kiwisaver/employees-who-choose-to-opt-into-kiwisaver/opt-an-employee-into-kiwisaver
- https://www.ird.govt.nz/kiwisaver/kiwisaver-employers/contributions-and-deductions/update-employee-deduction-rate-for-kiwisaver
- https://www.ird.govt.nz/about-this-site/conditions-of-use/copyright