What is the deadline to withdraw KiwiSaver for settlement?

Short answer: Apply at least 10 working days before settlement. Allow 15-20 to be safe.

What this actually means in plain English

You must apply at least 10 working days before settlement. But allow 15-20 to be safe. The money goes to your lawyer, not you. If you miss the deadline, you might need to delay settlement or find the money elsewhere. Banks will not wait.

Key Facts

Minimum: 10 working days before settlement
Recommended: 15-20 working days
Money paid to lawyer, not to you
Missing deadline can delay settlement

Example

Settlement Date: 15 August

Apply By: 1 August (10 working days)

Safe Apply By: 25 July (15 working days)

Result If Late: Settlement delayed or alternative funds needed

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