Yes, you can get NZ superannuation while overseas, but there are conditions. As of June 2025, the New Zealand government continues to support retirees who choose to live abroad, but your eligibility, payment rate, and country of residence play a big role. This system is known as super portability, and it’s tied to international agreements that New Zealand has with certain countries.
Whether you’re retiring in Australia, the UK, or further afield, it’s crucial to understand how your retirement benefits will work. This article breaks down the updated 2025 rules, explains how NZ pension abroad is handled, and outlines which countries qualify under super portability countries agreements.
What is NZ Superannuation Portability?
NZ Superannuation Portability allows eligible retirees to receive their NZ super payments even if they move to another country. The process falls under either reciprocal social security agreements or unilateral policy. In some cases, time spent living or working in New Zealand is credited towards eligibility in another country or vice versa.
To qualify, applicants typically need:
- To have lived in New Zealand for at least 10 years since age 20, with 5 of those years after age 50.
- To be 65 years or older.
Not all countries are included. Payment amounts and entitlement may vary based on international agreements and how long you lived in New Zealand.
Table: Countries with Super Portability Agreements (2025 Update)
| Country | Type of Agreement | Notes on Payment |
|---|---|---|
| Australia | Reciprocal Agreement | Full or partial payments possible |
| United Kingdom | Unilateral Portability | Based on NZ residency |
| Canada | Reciprocal Agreement | Pension sharing allowed |
| Ireland | Reciprocal Agreement | Linked with local pension rights |
| Netherlands | Unilateral Portability | Payment amount may vary |
| Greece | No Agreement | Application may not be accepted |
| USA | No Agreement | Limited access, case-by-case |
How the 2025 Updates Impact Your NZ Pension Abroad
New in 2025, New Zealand has streamlined the portability application process and added clearer guidelines for retirees seeking to transfer their NZ pension abroad. If you’re planning to relocate, here’s what’s changed:
- Digital Application Portal: Apply for portability online, reducing processing times.
- Simplified Residency Verification: Easier documentation for NZ residency periods.
- Annual Income Assessment: Income from the overseas country may now influence your super amount.
These updates aim to enhance transparency and support retirees exploring cross-border living options.
Living Abroad Without a Portability Agreement
If you’re moving to a country without a formal agreement, you’re not necessarily out of luck—but things get complicated. You may still receive NZ super payments under a discretionary policy, but the amount could be reduced or cut entirely depending on:
- Local pension entitlements
- Cost of living differences
- New Zealand’s assessment of financial need
It’s strongly advised to consult Work and Income NZ before relocating to a non-agreement country.
Planning for Retirement Abroad in 2025
Choosing to retire overseas isn’t just about the weather—it’s also about financial sustainability. Consider the following before applying for NZ superannuation while overseas:
- What is the healthcare system like in your destination?
- Will local taxes affect your retirement income?
- Can you access your NZ super safely and consistently?
While many super portability countries provide stable support, others may not meet your expectations or needs.
Conclusion
Retiring abroad doesn’t mean giving up your entitlements—but it does require planning. With the June 2025 updates, accessing NZ superannuation while overseas is more structured and transparent, especially for those relocating to super portability countries. Understand the rules, check your eligibility, and secure your retirement benefits before making the move.
FAQ: NZ Superannuation While Overseas
Can I still get NZ super if I retire in a country with no agreement?
Yes, but the payment may be partial or denied depending on your circumstances. You’ll need to apply and undergo an assessment.
Do I pay tax on NZ super while living abroad?
It depends on the tax laws in your country of residence and any tax treaties with New Zealand. You may be taxed locally.
How long can I stay overseas and still receive NZ super?
You can stay indefinitely if your country is on the approved list, but must apply for portability before departure.
What happens if I return to NZ?
If you return to New Zealand, your super payments may be reassessed and adjusted back to the local rate.
Is Australian residency enough to qualify for portability?
Yes, under the reciprocal agreement, Australian residency counts toward super eligibility.
Click here to know more.