Major KiwiSaver providers say about half their members so far have not contributed enough to get the full government tax credit this year - a statistic that is raising concern among some parts of the sector.

The government will pay about $260 into the accounts of people who have contributed $1042 into KiwiSaver by the end of June.

Anyone who is working full-time and earning the minimum wage should get to this level of contribution if they are saving at the default rate.

But Westpac said 53 percent of its eligible members had not yet contributed enough to qualify.

That is up from 49 percent who missed out last year, and 48 percent in 2024.