Best companies for AUD/NZD transfers
4 of 4 providers Last updated on 28 October 2026
Based on 2,000 AUD transfer Best companies for AUD/NZD transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $7.92 1 AUD = 1.2530 NZD 0.00% vs mid-market	Recipient gets $2,496.06 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Cook Islands with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.921 AUD = 1.2530 NZD $2,496.06You pay$2,000.00
Ad Xe Pay via Debit Card	Fees: $0.00 1 AUD = 1.2458 NZD +0.57% vs mid-market	Recipient gets $2,491.56 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Cook Islands with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.2458 NZD $2,491.56You pay$2,000.00
Run a live search Showing top Australia to Cook Islands deals for 2,000 AUD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live AUD to NZD rates.
Run a live search These companies offer multi-currency accounts for spending NZD. We suggest doing a live search based on how much AUD you're planning to spend in Cook Islands.
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal.
Pricing based on Revolut Standard plan Revolut Pay via Bank Transfer	Fees: $3.00 1 AUD = 1.2521 NZD +0.07% vs mid-market	Recipient gets $2,500.41 Same day
10 reviews CheapestFastest Receive to bank account
Ways to receive money in Cook Islands with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $3.001 AUD = 1.2521 NZD $2,500.41You pay$2,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Wise Pay via Bank Transfer	Fees: $7.92 1 AUD = 1.2530 NZD 0.00% vs mid-market	Recipient gets $2,496.06 Same day
25 reviews Recommended Receive to bank accountDedicated support for large transfers
Ways to receive money in Cook Islands with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.921 AUD = 1.2530 NZD $2,496.06You pay$2,000.00

Wise Pay via Osko	Fees: $7.92 1 AUD = 1.2530 NZD 0.00% vs mid-market	Recipient gets $2,496.06 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Cook Islands with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.921 AUD = 1.2530 NZD $2,496.06You pay$2,000.00
Xe Pay via Debit Card	Fees: $0.00 1 AUD = 1.2458 NZD +0.57% vs mid-market	Recipient gets $2,491.56 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Cook Islands with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.2458 NZD $2,491.56You pay$2,000.00

Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 1.2458 NZD +0.57% vs mid-market	Recipient gets $2,491.56 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Cook Islands with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.2458 NZD $2,491.56You pay$2,000.00
Xe Pay via Credit Card	Fees: $0.00 1 AUD = 1.2458 NZD +0.57% vs mid-market	Recipient gets $2,491.56 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Cook Islands with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.2458 NZD $2,491.56You pay$2,000.00
Wise Pay via Debit Card	Fees: $13.45 1 AUD = 1.2530 NZD 0.00% vs mid-market	Recipient gets $2,489.13 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Cook Islands with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $13.451 AUD = 1.2530 NZD $2,489.13You pay$2,000.00
Wise Pay via Credit Card	Fees: $27.00 1 AUD = 1.2530 NZD 0.00% vs mid-market	Recipient gets $2,472.15 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Cook Islands with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $27.001 AUD = 1.2530 NZD $2,472.15You pay$2,000.00
NAB Pay via Bank Transfer	Fees: $0.00 1 AUD = 1.2196 NZD +2.70% vs mid-market	Recipient gets $2,439.12 3-5 Days
0 reviews
Ways to receive money in Cook Islands with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 1.2196 NZD $2,439.12You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 1.2530 NZD Updates every 60 minutes.

Why compare

AUD/NZD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Cook Islands

Pick a company

Start with the cheapest, which is Revolut at 2,500.41 NZD on A$2,000.

Revolut was the cheapest on 21 of the 29 days it quoted A$2,000 transfers to Cook Islands.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and osko.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to Cook Islands?

How much AUD you send to Cook Islands 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 Revolut was the cheapest in 72% of the transfers up to A$2,000 it quoted, and in 24% of all the transfers it quoted.


$1,000	0.09%	$1.50	$1,250.14with bank transfer to bank deposit	+$6.13
$1,500	0.09%	$2.25	$1,875.25with bank transfer to bank deposit	+$11.16
$2,000This page	0.07%	$3.00	$2,500.41with bank transfer to bank deposit	+$15.12
$3,000	0.00%	$11.20	$3,742.67with bank transfer to bank deposit	+$15.41
$7,500	0.01%	$26.01	$9,362.97with bank transfer to bank deposit	+$21.82
$12,000	0.27%	$0.00	$14,990.14with bank transfer to bank deposit	+$39.39
$15,000	0.27%	$0.00	$18,736.67with bank transfer to bank deposit	+$51.81
$50,000	0.25%	$0.00	$62,497.66with bank transfer to bank deposit	+$99.58
$100,000	0.25%	$0.00	$124,968.89with bank transfer to bank deposit	+$215.88
$250,000	0.20%	$0.00	$312,578.84with bank transfer to bank deposit	+$584.31
$500,000	0.20%	$0.00	$625,237.02with bank transfer to bank deposit	+$987.30

Mid-market rate: 1 AUD = 1.2530 NZD

AUD/NZD Exchange Rate History

Is today a good time to send money from Australia to Cook Islands?

The cheapest way to send AUD 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 Revolut), across 30 days of comparisons for 2,000 AUD transfers to Cook Islands.

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

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 AUD than the mid-market rate can offer.

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

In the past month, a money transfer company beat the mid-market rate on 4 of the last 30 days.

Right now, Revolut pays 2,500.41 NZD on 2,000 AUD, which is 5.51 NZD less than the mid-market amount.

Today's payout is the highest in the past month.

Ways to send money from Australia to Cook Islands

4 money transfer companies let you send money from Australia to Cook Islands.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to Cook Islands.

For example, sending A$2,000 with Wise will get you 2,496.06 NZD after a A$7.92 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 22 of the 29 days it quoted.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Revolut takes A$3 in fees and 0.07% markup on a A$2,000 transfer, and your NZD arrives in same day.

Over the past month, Revolut was the cheapest app on 72% of the days it appeared for A$2,000 transfers.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like Xe drops the fee entirely and works on margin instead.

With Xe you get 0.57% on AUD/NZD, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows Xe was the cheapest broker in 43% of all the transfers it quoted.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in NZD, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and NZD in one account, and convert when the rate suits you.

Revolut converts A$2,000 at 0.07% markup, and the NZD sits in your account until you spend or transfer it.

Over the past month, it came out cheapest among multi-currency accounts on 72% of days.

Most useful if you travel often to Cook Islands, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Compare first

Banks

The big four have dropped most transfer fees, which makes bank transfer from your bank look cheap.

However, the cost is moved into the exchange rate instead.

On a A$2,000 transfer, a bank like NAB adds 2.7% markup and delivers 2,439.12 NZD, against 2,500.41 NZD via Revolut (the cheapest option).

We found NAB was the cheapest bank on 29 of the 29 days it appeared for this amount.

Ways to fund AUD and receive money in Cook Islands

With Revolut, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 2,500.41 NZD.

Our data shows that Revolut gets your recipient 61.29 NZD more than NAB, today's cheapest bank, on the same A$2,000.

You can fund the transfer with bank transfer, debit card, credit card, and osko.

Recipients in Cook Islands can collect NZD through bank deposit.

1

Bank transfer Bank deposit

You pay A$2,000.00

NZ$2,500

Cheapest
2

Osko Bank deposit

You pay A$2,000.00

NZ$2,496

-NZ$4
3

Debit card Bank deposit

You pay A$2,000.00

NZ$2,492

-NZ$9
4

Credit card Bank deposit

You pay A$2,000.00

NZ$2,492

-NZ$9

Consider this before sending AUD to Cook Islands

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/NZD transfer options

For a A$2,000 transfer to Cook Islands, these are the best options right now:

Cheapest

Revolut is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 2,500.41 NZD, which is 0.17% more than the next best option.

Fastest

Revolut delivers 2,500.41 NZD in same day when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Cook Islands.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in Cook Islands.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

How we analyse the market

We track 4 companies sending AUD to Cook Islands, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 316 comparisons across 11 amounts.

This page covers the cheapest and fastest options for AUD/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.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

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

Send money from Australia

Tue, 29 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2359	–	$2,471.73
Revolut Cheapest	1.2350	$3.00	$2,466.20	−$5.53
Wise	1.2357	$7.92	$2,461.69	−$10.04
Xe	1.2290	$0.00	$2,458.06	−$13.67
NAB	1.2009	$0.00	$2,401.87	−$69.86

Wed, 30 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2330	–	$2,466.04
Revolut Cheapest	1.2322	$3.00	$2,460.61	−$5.43
Xe	1.2287	$0.00	$2,457.30	−$8.74
Wise	1.2330	$7.92	$2,456.25	−$9.79
NAB	1.1998	$0.00	$2,399.69	−$66.35

Thu, 1 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2368	–	$2,473.50
Revolut Cheapest	1.2358	$3.00	$2,467.88	−$5.62
Wise	1.2367	$7.92	$2,463.53	−$9.97
Xe	1.2297	$0.00	$2,459.50	−$14.00
NAB	1.1998	$0.00	$2,399.69	−$73.81

Fri, 2 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2356	–	$2,471.11
Revolut Cheapest	1.2344	$3.00	$2,465.14	−$5.97
Wise	1.2356	$7.92	$2,461.37	−$9.74
Xe	1.2284	$0.00	$2,456.82	−$14.29
NAB	1.2047	$0.00	$2,409.45	−$61.66

Sat, 3 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2337	–	$2,467.37
Wise Cheapest	1.2390	$7.92	$2,468.23	+$0.86
Xe	1.2228	$0.00	$2,445.54	−$21.83
Revolut	1.2349	$23.00	$2,441.29	−$26.08
NAB	1.1947	$0.00	$2,389.32	−$78.05

How to send money to Cook Islands from Australia with the best AUD-NZD rate

Best companies for AUD/NZD transfers