NWO Savings Scheme


General enquiries for all Ngāti Whātua Ōrākei Toi Tupu please email

The ‘Toi Tupu Savings and Investment’ scheme, is a way for the Ngāti Whātua Ōrākei Trust to support all members of Ngāti Whātua Ōrākei (living in New Zealand or Australia). But what is it exactly?

The Ngāti Whātua Ōrākei Trust would like to make annual distribution payments (when possible) to all members of Ngāti Whātua Ōrākei who enrol in Toi Tupu. These payments will be invested on your behalf into Whai Rawa Limited, as a term deposit.

  • You don’t need to put any of your own money into this scheme.

  • The deposits made on your behalf are yours.

  • Your deposits will earn interest and grow with time (see Interest for more details).

  • You can withdraw your deposits, subject to the terms and conditions of Toi Tupu.

  • In future you will be able to access your deposit details through your Toi Tupu account.


To make sure you don’t miss out on the next distribution, you can enrol now.

If you no longer want to participate in the Toi Tupu scheme at any time, you may opt-out.

The terms, conditions and policies of this scheme can be found in the the Documentation page.

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