Kiwis running out of time for Government KiwiSaver top-up

Kiwis are running out of time to ensure their KiwiSaver will get a free $521 from the Government.

Anyone who has put at least $1043 into their account before June 30 will receive the full sum.

People contributing the minimum 3 percent and earning at least $35,000 a year will put that in easily, but people on a savings suspension or who do not contribute to KiwiSaver through their salary will not.

Pocketwise co-founder Binu Paul told Newshub it's not too late to make sure that sum is hit though, even if it may be a little painful.

"If you have a KiwiSaver account currently even if you're not contributing then the main thing to do is call up your provider... [and] make a direct deposit into your KiwiSaver account with that provider."

If making a $1000 one-off lump deposit is a challenge, starting to add $20 per week into the account across the year will ensure savers get it in 2020.

People who don't contribute the full amount will still receive part of the rebate.

The rebate is a missed opportunity for many people, research from 2017 found almost half of people in KiwiSaver hadn't even heard of the credit.