BetterSaver review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
BetterSaver serves New Zealand KiwiSaver savers as an independent fund matching and guidance service built around analysis of more than 300 options. For savers who want goal based help, it grades funds A+ to F within peer risk groups and only endorses established quality options.
Key facts
- Best for
- New Zealand savers seeking independent KiwiSaver fund guidance
- Access terms
- Free KiwiSaver fund-matching and switch service, New Zealand residents only; no cost to you for the advice↗
- Monthly fee
- NZ$0↗
- Regulators
- Financial Markets Authority↗
- Legal entity
- BetterSaver Limited↗
- Headquarters
- New Zealand↗
- Support channels
- Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- bettersaver.co.nz
Apps and profiles
- Elsewhere
- instagram.comfacebook.com
Pros and cons
Pros
- Analyses more than 300 KiwiSaver options across Defensive to Aggressive risk categories
- Grades funds A+ to F using Performance, Consistency, Quality and cost related checks
- Matches recommendations to personal goals, risk comfort and ethical preferences
- Provides independent market wide view rather than promoting single provider funds
Cons
- Only endorses funds with at least five years history and grade B or above
- Focuses solely on KiwiSaver without wider savings or investment coverage
- Ongoing support can be limited where a provider does not support direct switching
Who it suits
- New Zealand residents saving for a first home or retirement
- Savers who want independent guidance across many KiwiSaver funds
- People who prefer goal based fund matching and progress tracking
Who should look elsewhere
- Savers outside New Zealand seeking local retirement help
- People who want to stay with a chosen provider without guidance
How BetterSaver compares
Where BetterSaver is available
- Available
- New Zealand
- Licence in New Zealand
- Financial Markets Authority (600609), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which savers does BetterSaver serve?+
BetterSaver serves New Zealand KiwiSaver savers who are building wealth for retirement or saving for a first home. It focuses on people who want help choosing a suitable fund. Recommendations reflect personal goals, risk comfort and ethical preferences.
Can I switch KiwiSaver providers through BetterSaver?+
Yes. You can change KiwiSaver providers whenever you wish. BetterSaver recommends a suitable fund from its endorsed list and handles the switch for you. Ongoing support can be limited where a provider does not support switching through BetterSaver.
What happens after I receive a fund match?+
BetterSaver helps you track progress toward retirement or home ownership goals after matching. It presents goal tracking alongside fund guidance to support clearer decisions. The service also provides encouragement as progress develops over time.
Does BetterSaver charge a monthly fee?+
The monthly fee at BetterSaver is NZ$0. (Source, checked September 26, 2026)
Which regulators oversee BetterSaver?+
BetterSaver is overseen by Financial Markets Authority. (Source, checked September 26, 2026)
Which company operates BetterSaver?+
BetterSaver is operated by BetterSaver Limited. (Source, checked September 26, 2026)
Where is BetterSaver based?+
BetterSaver is based in New Zealand. (Source, checked September 26, 2026)
How can I contact BetterSaver support?+
BetterSaver offers support through Email, Help-centre. (Source, checked September 26, 2026)
Sources
- bettersaver.co.nz checked September 26, 2026
Backs: Pricing model
“Is BetterSaver free to use? Yes. The quiz and recommendation are free.”
- bettersaver.co.nz/contact-us checked September 26, 2026
Backs: Support channels
“Can't find an answer? Email us. We'll get back to you within two working days.”
- bettersaver.co.nz/faq checked September 26, 2026
Backs: Portfolio types
“Can I choose a fund based on my values? Yes. You can tell us what you want to avoid (like weapons, tobacco, gambling, alcohol, or animal testing) and what you want to prioritise (like sustainability...”
- bettersaver.co.nz/pages/about checked September 26, 2026
Backs: Headquarters
“Our founder, Joe Taylor, has spent more than 15 years in financial services in New Zealand”
- bettersaver.co.nz/pages/advice-disclosure checked September 26, 2026
Backs: Management fee, Monthly fee, Regulators, Licences
“There is no cost to you for our KiwiSaver advice.”
- bettersaver.co.nz/pages/terms-and-conditions checked September 26, 2026
Backs: Access terms, Legal entity
“This website is suitable for New Zealand audiences only.”
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit, Deposit protection.