How to send money to New Zealand from UAE with the best AED-NZD rate

Key Currency is the cheapest way to send money from the United Arab Emirates to New Zealand. Sending 25,000 AED will get you 12,096.78 NZD at 0.4839 NZD per AED.

We’ve compared 7 services and apps below in more detail.

Best companies for AED/NZD transfers

7 of 7 providers

Last updated on 28 October 2026

Based on 25,000 AED transfer

Best companies for AED/NZD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee AED 201.24 1 AED = 0.4851 NZD 0.00% vs mid-market Recipient gets $12,029.63 Same day
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in New Zealand with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
AED 201.241 AED = 0.4851 NZD
$12,029.63You payAED 25,000.00
Promoted

Xe

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.4785 NZD +1.37% vs mid-market Recipient gets $11,962.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in New Zealand with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 0.4785 NZD
$11,962.50You payAED 25,000.00

Run a live search

Showing top United Arab Emirates to New Zealand deals for 25,000 AED. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.4839 NZD +0.25% vs mid-market Recipient gets $12,096.78 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

Ways to receive money in New Zealand with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 AED = 0.4839 NZD
$12,096.78You payAED 25,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.4838 NZD +0.27% vs mid-market Recipient gets $12,094.36 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in New Zealand with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 0.4838 NZD
$12,094.36You payAED 25,000.00

TorFx

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.4836 NZD +0.30% vs mid-market Recipient gets $12,090.72 Minutes - 24 hours
Fastest
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in New Zealand with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 0.4836 NZD
$12,090.72You payAED 25,000.00

OFX

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.4827 NZD +0.50% vs mid-market Recipient gets $12,066.46 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in New Zealand with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 0.4827 NZD
$12,066.46You payAED 25,000.00

Wise

Pay via Bank transfer
Fee AED 201.24 1 AED = 0.4851 NZD 0.00% vs mid-market Recipient gets $12,029.63 Same day
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in New Zealand with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositSame dayAvailable via:Bank Transfer
AED 201.241 AED = 0.4851 NZD
$12,029.63You payAED 25,000.00

Xe

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.4785 NZD +1.37% vs mid-market Recipient gets $11,962.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in New Zealand with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 0.4785 NZD
$11,962.50You payAED 25,000.00

Moneycorp

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.4783 NZD +1.40% vs mid-market Recipient gets $11,957.32 Minutes - 2 days

Ways to receive money in New Zealand with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 AED = 0.4783 NZD
$11,957.32You payAED 25,000.00
How Our Results Work
Mid-market rate: 1 AED = 0.4851 NZD Updates every 60 minutes.

How to send money from UAE to New Zealand

Pick a company

Start with the cheapest, which is Key Currency at 12,096.78 NZD on AED 25,000.

Key Currency was the cheapest on 27 of the 27 days it quoted AED25,000 transfers to New Zealand.

Fund your transfer

You have 1 ways to pay, including bank transfer.

Cash at an exchange house counter works, and so does the salary card your wages land on.

Verify and send

You'll need your Emirates ID every time, not just the first.

Registering takes a few minutes with a UAE number. Once it's done, repeat transfers to the same person take seconds.

Compare amounts

How much AED are you sending to New Zealand?

How much AED you send to New Zealand heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Key Currency was the cheapest in 100% of the transfers from AED 25,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
AED 3,5000.65%AED 0.00$1,687.86with bank transfer to bank deposit+$19.40
AED 7,5000.65%AED 0.00$3,616.85with bank transfer to bank deposit+$19.38
AED 25,000This page0.25%AED 0.00$12,096.78with bank transfer to bank deposit+$54.24
AED 50,0000.25%AED 0.00$24,185.39with bank transfer to bank deposit+$99.99
AED 200,0000.20%AED 0.00$96,865.68with bank transfer to bank deposit+$359.00
AED 250,0000.20%AED 0.00$121,076.11with bank transfer to bank deposit+$421.27
AED 350,0000.20%AED 0.00$169,439.84with bank transfer to bank deposit+$578.40
AED 1,000,0000.15%AED 0.00$484,209.59with bank transfer to bank deposit+$1,920.65

Mid-market rate: 1 AED = 0.4851 NZD

AED/NZD Exchange Rate History

Is today a good time to send money from UAE to New Zealand?

The cheapest way to send AED to NZD can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Key Currency), across 30 days of comparisons for 25,000 AED transfers to New Zealand.

NZD received for AED 25,000, after fees

Wed, 28 Oct 2026Mid-market rate$12,127.10 Key Currency $12,096.78Key Currency$12,096.78Regency FX$12,094.36TorFx$12,090.72

11,850
11,900
11,950
12,000
12,050
12,100
12,150
12,200
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4817 – $12,043.40
Key Currency Cheapest 0.4805 AED 0.00 $12,013.29 −$30.11
Regency FX 0.4804 AED 0.00 $12,010.88 −$32.52
TorFx 0.4803 AED 0.00 $12,007.27 −$36.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4812 – $12,029.18
Key Currency Cheapest 0.4800 AED 0.00 $11,999.10 −$30.08
Regency FX 0.4799 AED 0.00 $11,996.70 −$32.48
TorFx 0.4797 AED 0.00 $11,993.09 −$36.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4844 – $12,110.90
Key Currency Cheapest 0.4832 AED 0.00 $12,080.62 −$30.28
Regency FX 0.4831 AED 0.00 $12,078.20 −$32.70
TorFx 0.4830 AED 0.00 $12,074.57 −$36.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4848 – $12,120.18
Key Currency Cheapest 0.4836 AED 0.00 $12,089.87 −$30.30
Regency FX 0.4835 AED 0.00 $12,087.45 −$32.72
TorFx 0.4834 AED 0.00 $12,083.81 −$36.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4847 – $12,118.50
Key Currency Cheapest 0.4835 AED 0.00 $12,088.20 −$30.30
Regency FX 0.4834 AED 0.00 $12,085.78 −$32.72
TorFx 0.4833 AED 0.00 $12,082.14 −$36.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4848 – $12,120.28
Key Currency Cheapest 0.4836 AED 0.00 $12,089.97 −$30.31
Regency FX 0.4835 AED 0.00 $12,087.55 −$32.73
TorFx 0.4834 AED 0.00 $12,083.91 −$36.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4867 – $12,168.28
Key Currency Cheapest 0.4855 AED 0.00 $12,137.85 −$30.43
Regency FX 0.4854 AED 0.00 $12,135.42 −$32.86
TorFx 0.4853 AED 0.00 $12,131.77 −$36.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4870 – $12,175.23
Key Currency Cheapest 0.4858 AED 0.00 $12,144.79 −$30.43
Regency FX 0.4857 AED 0.00 $12,142.35 −$32.88
TorFx 0.4855 AED 0.00 $12,138.70 −$36.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4859 – $12,146.43
Key Currency Cheapest 0.4846 AED 0.00 $12,116.06 −$30.36
Regency FX 0.4845 AED 0.00 $12,113.63 −$32.80
TorFx 0.4844 AED 0.00 $12,109.99 −$36.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4864 – $12,159.95
Key Currency Cheapest 0.4852 AED 0.00 $12,129.55 −$30.40
Regency FX 0.4851 AED 0.00 $12,127.12 −$32.83
TorFx 0.4849 AED 0.00 $12,123.47 −$36.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4848 – $12,120.63
Key Currency Cheapest 0.4836 AED 0.00 $12,090.32 −$30.31
Regency FX 0.4835 AED 0.00 $12,087.90 −$32.73
TorFx 0.4834 AED 0.00 $12,084.26 −$36.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4857 – $12,141.88
Key Currency Cheapest 0.4845 AED 0.00 $12,111.52 −$30.35
Regency FX 0.4844 AED 0.00 $12,109.09 −$32.78
TorFx 0.4842 AED 0.00 $12,105.45 −$36.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4857 – $12,141.88
Key Currency Cheapest 0.4845 AED 0.00 $12,111.52 −$30.35
Regency FX 0.4844 AED 0.00 $12,109.09 −$32.78
TorFx 0.4842 AED 0.00 $12,105.45 −$36.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4858 – $12,145.28
Key Currency Cheapest 0.4846 AED 0.00 $12,114.91 −$30.36
Regency FX 0.4845 AED 0.00 $12,112.48 −$32.80
TorFx 0.4844 AED 0.00 $12,108.84 −$36.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4859 – $12,148.08
Key Currency Cheapest 0.4847 AED 0.00 $12,117.70 −$30.38
Regency FX 0.4846 AED 0.00 $12,115.28 −$32.80
TorFx 0.4845 AED 0.00 $12,111.63 −$36.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4842 – $12,105.63
CurrencyFair Cheapest 0.4807 AED 10.33 $12,012.50 −$93.13
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4852 – $12,128.80
Key Currency Cheapest 0.4839 AED 0.00 $12,098.48 −$30.32
Regency FX 0.4838 AED 0.00 $12,096.05 −$32.75
TorFx 0.4837 AED 0.00 $12,092.41 −$36.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4811 – $12,027.45
Key Currency Cheapest 0.4799 AED 0.00 $11,997.38 −$30.07
Regency FX 0.4798 AED 0.00 $11,994.98 −$32.47
TorFx 0.4797 AED 0.00 $11,991.37 −$36.08
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 0.4814 AED 201.27 $11,938.80 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4812 – $12,030.30
Key Currency Cheapest 0.4800 AED 0.00 $12,000.22 −$30.08
Regency FX 0.4799 AED 0.00 $11,997.82 −$32.48
TorFx 0.4798 AED 0.00 $11,994.21 −$36.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4812 – $12,030.20
Key Currency Cheapest 0.4800 AED 0.00 $12,000.12 −$30.08
Regency FX 0.4799 AED 0.00 $11,997.72 −$32.48
TorFx 0.4798 AED 0.00 $11,994.11 −$36.09
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4790 – $11,974.78
Key Currency Cheapest 0.4778 AED 0.00 $11,944.84 −$29.93
Regency FX 0.4777 AED 0.00 $11,942.44 −$32.33
TorFx 0.4776 AED 0.00 $11,938.85 −$35.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4790 – $11,974.35
Key Currency Cheapest 0.4778 AED 0.00 $11,944.41 −$29.94
Regency FX 0.4777 AED 0.00 $11,942.02 −$32.33
TorFx 0.4775 AED 0.00 $11,938.43 −$35.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4783 – $11,958.55
Key Currency Cheapest 0.4771 AED 0.00 $11,928.65 −$29.90
Regency FX 0.4771 AED 0.00 $11,926.26 −$32.29
TorFx 0.4769 AED 0.00 $11,922.67 −$35.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4784 – $11,959.55
Key Currency Cheapest 0.4772 AED 0.00 $11,929.65 −$29.90
Regency FX 0.4771 AED 0.00 $11,927.26 −$32.29
TorFx 0.4769 AED 0.00 $11,923.67 −$35.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4767 – $11,918.68
Key Currency Cheapest 0.4756 AED 0.00 $11,888.88 −$29.80
Regency FX 0.4755 AED 0.00 $11,886.49 −$32.18
TorFx 0.4753 AED 0.00 $11,882.92 −$35.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4767 – $11,918.68
Key Currency Cheapest 0.4756 AED 0.00 $11,888.88 −$29.80
Regency FX 0.4755 AED 0.00 $11,886.49 −$32.18
TorFx 0.4753 AED 0.00 $11,882.92 −$35.75
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Currencies Direct Cheapest 0.4749 AED 0.00 $11,872.50 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4786 – $11,964.43
Key Currency Cheapest 0.4774 AED 0.00 $11,934.51 −$29.91
Regency FX 0.4773 AED 0.00 $11,932.12 −$32.30
TorFx 0.4771 AED 0.00 $11,928.53 −$35.89
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.4851 – $12,127.10
Key Currency Cheapest 0.4839 AED 0.00 $12,096.78 −$30.32
Regency FX 0.4838 AED 0.00 $12,094.36 −$32.74
TorFx 0.4836 AED 0.00 $12,090.72 −$36.38

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send AED 25,000, after fees, as quoted by each company. The mid-market line shows what AED 25,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more NZD per AED than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of NZD on every transfer from UAE.

Right now, Key Currency pays 12,096.78 NZD on 25,000 AED, which is 30.32 NZD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 12,144.79 NZD.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to New Zealand.

We've tracked 226 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. Key CurrencyAppeared in 151 comparisons

    Cheapest every time

  2. Regency FXAppeared in 151 comparisons

    Never the cheapest

  3. TorFxAppeared in 151 comparisons

    Never the cheapest

Based on 226 comparisons across 8 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Key Currency is the cheapest and gets you the most NZD, and it was also the cheapest in 100% of the 151 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to New Zealand.

Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to New Zealand.

Ways to send money from the UAE to New Zealand

7 companies send money from the UAE to New Zealand, split between broker, online, app, global account, and multi-currency account, and more.

For frequent transfers home

Money transfer apps

If you send NZD home monthly, money transfer apps like Wise are the easiest with good AED/NZD rates.

Botim, Careem Pay, and e& money are convenient but Wise is cheaper.

On an AED 25,000 transfer it will get you 12,029.63 NZD in next day (after 201.24 fee and 0% markup).

Over the past month, Wise was the cheapest app on 100% of the days it appeared for AED25,000 transfers.

You'll need your Emirates ID and a UAE number to register.

For small urgent transfers

Send now, pay later

You can send AED to New Zealand now, and pay for it in the coming weeks.

Botim and Payit are good options, but it’s a credit, so it costs more and you can’t miss any payments.

We’ve covered this in more detail in our Send Now, Pay Later guide.

For mid-sized transfers from UAE

Online transfers

Sending AED 25,000 to New Zealand is usually cheaper with online money transfer services like Wise.

Wise gets you 12,029.63 NZD, with an AED 201.24 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.

For sending large amounts

Currency brokers

Brokers are great for international property, school fees abroad, or moving your savings home when you leave the UAE.

A broker like Key Currency charges no fee and adds 0.25% on AED/NZD exchange rate with someone on the phone guiding you through the process.

Our analysis shows Key Currency was the cheapest broker in 100% of the transfers from AED 25,000 it quoted.

For UAE businesses trading abroad

Global accounts

Global accounts are for businesses, paying overseas suppliers, collecting from customers abroad, and holding a few currencies at once.

Companies like IFX, Sokin, VertoFX, or Wise Business can handle the batch payments, invoices and multi-currency balances.

For receiving money

Multi-currency accounts

A multi-currency account lets you hold dirhams and/or NZD side by side.

This is useful if you’re getting paid in NZD, or travelling to New Zealand.

I’d suggest Wise for this.

Wise converts AED 25,000 at 0% markup and holds it until you send or spend it, and gives you account details to receive NZD.

Over the past month, it came out cheapest among multi-currency accounts on 52% of days.

We've covered this in more detail in our guide to multi-currency accounts.

Ways to deposit AED and receive NZD in New Zealand

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 12,096.78 NZD.

You can pay in AED by bank transfer.

In New Zealand, the recipient can receive NZD through bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay AED25,000.00

    NZ$12,097

    Cheapest

Before sending AED to New Zealand, consider this

The UAE has plenty of ways to send money, but the branch fee, exchange rate and ID checks can change what works best for you.

Compare AED/NZD transfer options

For an AED 25,000 transfer to New Zealand, the current options look like this.

  1. The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 12,096.78 NZD, which is 0.02% more than the next best option.

  2. The fastest option is Regency FX, funded by bank transfer with bank deposit in New Zealand. Your recipient gets 12,094.36 NZD in minutes - 24 hours.

You need Emirates ID

Banks, apps and exchange houses need to identify you.

Your Emirates ID and UAE mobile number normally cover a routine transfer, while a large or unusual payment can trigger questions about your salary and source of funds.

For property, tuition or moving savings when you leave the UAE, keep the sale agreement, school invoice or bank statement ready.

A transfer funded from your salary account is easier to explain than a large cash deposit made just before sending.

Use a licensed exchange house in UAE

Currency exchange and remittance services require a Central Bank of the UAE licence.

Check the legal name in the CBUAE licensing register before handing over cash or uploading your ID.

The CBUAE consumer standards require licensed companies to show the exchange rate and fees before the transfer, then include the amount received and complaint details on the receipt.

Avoid a personal bank account or WhatsApp dealer offering a better rate outside a licensed branch.

Cash rules are separate

The UAE's declaration rules for carrying cash across the border do not set a limit on an electronic transfer.

Your bank or exchange house can still set its own transaction limit and request additional documents.

If you send the same amount every month, complete the ID checks in the app or branch once and save the verified recipient.

This reduces mistakes without bypassing the checks on later transfers.

How we analyse the market

We track 7 licensed companies sending AED to New Zealand, refreshed in real time during live comparisons.

Because the dirham is fixed to the dollar, we compare on what arrives in NZD rather than on the fee, alongside the deposit and payout options.

In the past 30 days alone, we analysed 226 comparisons across 8 amounts.

This page covers the cheapest and fastest options for AED/NZD transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Every company goes through our review before it appears.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.