More consistency is wanted around how Kiwisaver providers judge hardship.
There are calls for an easing up of access conditions, with many people facing job losses and pay cuts due to Covid 19.
Peter Cordtz from the Commission for Financial Capability told Kate Hawkesby it's up to individual providers as to whether they’ll grant the funds
He's warning those who do now will lock in recent losses and won't benefit from the eventual bounce back.
"There are other options available right now and people should look at those before withdrawing their funds."