Short answer: Feijoa is a third-party app that rounds your everyday purchases up to the nearest dollar and puts the difference into your KiwiSaver as voluntary contributions. You keep your existing provider and fund.
Key points: the money goes in as voluntary contributions on top of anything coming from your pay, and counts towards the government contribution the same way any other voluntary payment does.
It is not free: after a free first month Feijoa charges a round-up fee of 0.5% of the purchase, capped at 15% of the round-up or 20c, whichever is less.
Worth checking: Feijoa is a separate company, not part of KiwiSaver itself, so read its own terms, fees and privacy policy before connecting your accounts. This article is general information, not a recommendation to use it.
I wanted to share a new app that can help you build up your KiwiSaver even faster. It's called Feijoa. Here's a quick 30-second look at how it works:
Feijoa rounds up your everyday purchases to the nearest dollar and puts the difference straight into your KiwiSaver account. Buy a coffee for $4.60, and the 40 cents heads into your KiwiSaver. On their own those round-ups feel like nothing. Added up across a year of everyday spending, they quietly build.
You stay in control
You choose the round-up amount, so you're in control, and you can pause it any time. It's designed to sit in the background and do the saving for you, without asking you to change how you spend.
It works alongside your existing KiwiSaver
This is the part I like most. Feijoa works alongside your existing KiwiSaver account, so there's nothing to switch or set up with your provider. It sits alongside the advice we already work through together, rather than replacing any of it. Your fund, your provider and your plan all stay exactly as they are.
Top up your partner's, your kids', or anyone's KiwiSaver
You can also set it up to pay into not just your own KiwiSaver, but your partner's, your children's, or anybody else's. If you've been meaning to get some money moving into a child's KiwiSaver, this is an easy, automatic way to do it.
Especially handy if you're self-employed
If you're self-employed and don't have KiwiSaver contributions taken out automatically the way employees do, this really automates the process. Instead of relying on yourself to remember a lump sum, the round-ups move small amounts across as you spend, so you're contributing without having to think about it.
What it costs
Feijoa is not free. The first month is, and then there's a round-up fee of 0.5% of the purchase amount, capped at 15% of the round-up or 20c, whichever is less. On a $5.50 coffee with a 50c round-up that's about 3c.
Three cents sounds like nothing, and per transaction it is. It's still a fee on money going into your KiwiSaver, so it's worth doing the sum against how much you actually expect to round up in a year before you decide it's worth it.
Who can use it
Feijoa's terms say you need to be a New Zealand citizen or permanent resident, at least 18, and have a valid IRD number linked to an active KiwiSaver account. Round-ups are calculated from your bank transactions, which you connect through Akahu, a third-party open banking service - Feijoa says it never sees or stores your online banking login, and that you can revoke that access at any time. Credit cards can't be used as the funding account.
A $5 head start with code SOLID
Sign up with the referral code SOLID and you'll get $5 paid into your KiwiSaver after your first month of using the app. Enter the code when you sign up.
Download Feijoa and enter code SOLID when you sign up, or get in touch and I'm happy to talk it through.
Visit FeijoaReferral disclosure. SOLID is my referral code and I am paid when you use it. Feijoa pays me 10% of the round-up fee you are charged - up to 2c per transaction, on a fee that is capped at 20c. That is an ongoing share of what you pay, for as long as you use the app with my code. You get the $5 head start; I get a slice of the fee.
Feijoa is an independent third-party company. It is not part of KiwiSaver, it is not a KiwiSaver provider or scheme, and it is not a Solid Steele product. Feijoa's own terms state that it does not hold or manage KiwiSaver funds, does not give personalised financial advice or recommend schemes, and does not guarantee investment performance.
This article is general information, not a recommendation to use Feijoa. Read Feijoa's own terms, fees and privacy policy, and check how the round-ups fit your budget, before you connect your bank accounts.
Frequently asked questions
What is Feijoa?
Feijoa is a New Zealand app that rounds up your everyday purchases to the nearest dollar and puts the difference into your KiwiSaver account. You choose the round-up amount, and you can pause it any time. It works alongside your existing KiwiSaver, so there's nothing to switch or set up with your provider.
Do I have to change KiwiSaver providers to use Feijoa?
No. Feijoa works alongside your existing KiwiSaver account. There's nothing to switch or set up with your current provider, and it sits alongside the advice we already work through together.
Can I use Feijoa to top up someone else's KiwiSaver?
Yes. You can set Feijoa up to pay into not just your own KiwiSaver, but your partner's, your children's, or anybody else's. It's a simple way to help build up a family member's balance over time.
Is Feijoa good for self-employed people?
It can be. If you're self-employed and don't have KiwiSaver contributions taken out automatically the way employees do, Feijoa automates the process by moving small amounts across from your everyday spending, so you contribute without having to remember to.
What does the referral code SOLID do?
Sign up with the code SOLID and you'll get $5 paid into your KiwiSaver after your first month of using the app. Enter the code when you sign up. I'm paid too: Feijoa gives me 10% of the round-up fee you're charged, which is up to 2c per transaction on a fee capped at 20c.
What does Feijoa cost?
The first month is free. After that Feijoa charges a round-up fee of 0.5% of the purchase amount, capped at 15% of the round-up or 20c, whichever is less. On a $5.50 coffee with a 50c round-up that's about 3c.
Sources and verification
The claims about how Feijoa works, what it charges and who can use it were checked against Feijoa's own published pages, and the KiwiSaver rules against Inland Revenue. Last verified . Feijoa can change its fees and terms at any time, so check the current pages before you sign up.
The two numbers you cannot check on those pages are the ones attached to my code: the $5 you receive, and the 10% of your round-up fee that I receive. Those are the terms of my own arrangement with Feijoa, not a published offer, and I have set them out in full above rather than leaving them for you to find.
- Feijoa home page (opens in a new tab) - what the app does and that it works with any KiwiSaver scheme.
- Feijoa FAQs (opens in a new tab) - the round-up fee, supported banks, and how long contributions take to reach your provider.
- Feijoa End User Terms and Conditions (opens in a new tab) - fees, the 18-plus and residency requirements, and Feijoa's statements that it does not hold KiwiSaver funds or give personalised advice.
- Feijoa refer-a-friend and promotions terms (opens in a new tab) - the framework referral offers sit under, including that specific promotions can run on their own terms. Updated 5 June 2026.
- Feijoa privacy policy (opens in a new tab) - what data Feijoa collects and how bank access works through Akahu.
- Inland Revenue - Getting the KiwiSaver government contribution (opens in a new tab) - what the government contribution is and who qualifies for it.
- Inland Revenue - Making payments directly to my KiwiSaver provider (opens in a new tab) - how voluntary contributions work and that paying your provider direct is the preferred route.
Not sure whether Feijoa, your fund or your contribution rate is the right lever to pull? That's exactly what a free session is for. No obligation, online anywhere in NZ or in person across Canterbury.
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