Of the 12 companies we analysed, Western Union is the cheapest app overall for sending $2,000 to New Zealand.
On a 2,000 AUD transfer it will get your recipient 2,473.87 NZD.
| 12 of 12 providers Last updated on 28 September 2026 | |||
| Based on 2,000 AUD transfer Best companies for AUD/NZD transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $7.92 1 AUD = 1.2387 NZD 0.00% vs mid-market | Recipient gets $2,467.59 Same day | |
Ways to receive money in New Zealand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.921 AUD = 1.2387 NZD $2,467.59You pay$2,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $3.99 1 AUD = 1.1614 NZD +6.44% vs mid-market | Recipient gets $2,322.80 6-12 Hours | |
Ways to receive money in New Zealand with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $3.991 AUD = 1.1614 NZD $2,322.80You pay$2,003.99 | |||
Run a live search Showing top Australia to New Zealand 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 New Zealand. | |||
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. | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 AUD = 1.2369 NZD +0.15% vs mid-market | Recipient gets $2,473.87 Next Day | |
Ways to receive money in New Zealand with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 1.2369 NZD $2,473.87You pay$2,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 AUD = 1.2369 NZD +0.15% vs mid-market | Recipient gets $2,473.87 Next Day | |
Ways to receive money in New Zealand with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 1.2369 NZD $2,473.87You pay$2,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank Transfer | Fees: $3.00 1 AUD = 1.2380 NZD +0.06% vs mid-market | Recipient gets $2,472.36 Same day | |
Ways to receive money in New Zealand with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $3.001 AUD = 1.2380 NZD $2,472.36You 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. | |||
 Xe Pay via Bank Transfer | Fees: $0.00 1 AUD = 1.2343 NZD +0.36% vs mid-market | Recipient gets $2,468.60 6-12 Hours | |
Ways to receive money in New Zealand with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.2343 NZD $2,468.60You pay$2,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $7.92 1 AUD = 1.2387 NZD 0.00% vs mid-market | Recipient gets $2,467.59 Same day | |
Ways to receive money in New Zealand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.921 AUD = 1.2387 NZD $2,467.59You pay$2,000.00 | |||
| Wise Pay via Osko | Fees: $7.92 1 AUD = 1.2387 NZD 0.00% vs mid-market | Recipient gets $2,467.59 Same day | |
Ways to receive money in New Zealand with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $7.921 AUD = 1.2387 NZD $2,467.59You pay$2,000.00 | |||
 Currencies Direct Pay via Bank Transfer | Fees: $0.00 1 AUD = 1.2313 NZD +0.60% vs mid-market | Recipient gets $2,462.60 6-12 Hours | |
Ways to receive money in New Zealand with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.2313 NZD $2,462.60You pay$2,000.00 | |||
 OFX Pay via Bank Transfer | Fees: $0.00 1 AUD = 1.2307 NZD +0.65% vs mid-market | Recipient gets $2,461.32 6-12 Hours | |
Ways to receive money in New Zealand with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.2307 NZD $2,461.32You pay$2,000.00 | |||
| Xe Pay via Debit Card | Fees: $6.00 1 AUD = 1.2343 NZD +0.36% vs mid-market | Recipient gets $2,461.19 6-12 Hours | |
Ways to receive money in New Zealand with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $6.001 AUD = 1.2343 NZD $2,461.19You pay$2,000.00 | |||
| Wise Pay via Debit Card | Fees: $13.45 1 AUD = 1.2387 NZD 0.00% vs mid-market | Recipient gets $2,460.74 Same day | |
Ways to receive money in New Zealand with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $13.451 AUD = 1.2387 NZD $2,460.74You pay$2,000.00 | |||
 Remitly Pay via PayTo | Fees: $0.00 1 AUD = 1.2287 NZD +0.81% vs mid-market | Recipient gets $2,457.40 2 Days | |
Ways to receive money in New Zealand with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 1.2287 NZD $2,457.40You pay$2,000.00 | |||
| Remitly Pay via Debit Card | Fees: $0.00 1 AUD = 1.2268 NZD +0.97% vs mid-market | Recipient gets $2,453.60 2 Days | |
Ways to receive money in New Zealand with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 1.2268 NZD $2,453.60You pay$2,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 AUD = 1.2268 NZD +0.97% vs mid-market | Recipient gets $2,453.60 2 Days | |
Ways to receive money in New Zealand with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 AUD = 1.2268 NZD $2,453.60You pay$2,020.00 | |||
| Xe Pay via Credit Card | Fees: $15.00 1 AUD = 1.2343 NZD +0.36% vs mid-market | Recipient gets $2,450.09 6-12 Hours | |
Ways to receive money in New Zealand with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $15.001 AUD = 1.2343 NZD $2,450.09You pay$2,000.00 | |||
| Wise Pay via Credit Card | Fees: $27.00 1 AUD = 1.2387 NZD 0.00% vs mid-market | Recipient gets $2,443.96 Same day | |
Ways to receive money in New Zealand with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $27.001 AUD = 1.2387 NZD $2,443.96You pay$2,000.00 | |||
 Orbit Remit Pay via Bank Transfer | Fees: $0.00 1 AUD = 1.2214 NZD +1.41% vs mid-market | Recipient gets $2,442.78 2 Days | |
Ways to receive money in New Zealand with Orbit Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 AUD = 1.2214 NZD $2,442.78You pay$2,000.00 Bill payment2 DaysAvailable via:Ird, Moj, Msd Free1 AUD = 1.2214 NZD $2,442.78You pay$2,000.00 | |||
 Ria Money Transfer Pay via Credit Card | Fees: $2.89 1 AUD = 1.2192 NZD +1.59% vs mid-market | Recipient gets $2,434.88 6-12 Hours | |
Ways to receive money in New Zealand with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 1.2192 NZD $2,434.88You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 1.2192 NZD $2,434.88You pay$2,000.00 | |||
| Ria Money Transfer Pay via Debit Card | Fees: $2.89 1 AUD = 1.2192 NZD +1.59% vs mid-market | Recipient gets $2,434.88 6-12 Hours | |
Ways to receive money in New Zealand with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 1.2192 NZD $2,434.88You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 1.2192 NZD $2,434.88You pay$2,000.00 | |||
| Ria Money Transfer Pay via PayID | Fees: $2.89 1 AUD = 1.2192 NZD +1.59% vs mid-market | Recipient gets $2,434.88 6-12 Hours | |
Ways to receive money in New Zealand with Ria Money Transfer when paying by payid. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $2.891 AUD = 1.2192 NZD $2,434.88You pay$2,000.00 Cash pickup6-12 Hours $2.891 AUD = 1.2192 NZD $2,434.88You pay$2,000.00 | |||
 Moneycorp Pay via Bank Transfer | Fees: $0.00 1 AUD = 1.2164 NZD +1.80% vs mid-market | Recipient gets $2,432.83 Next Day | |
Ways to receive money in New Zealand with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 AUD = 1.2164 NZD $2,432.83You pay$2,000.00 | |||
 NAB Pay via Bank Transfer | Fees: $0.00 1 AUD = 1.2009 NZD +3.10% vs mid-market | Recipient gets $2,401.87 3-5 Days | |
Ways to receive money in New Zealand with NAB when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit3-5 Days Free1 AUD = 1.2009 NZD $2,401.87You pay$2,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $3.99 1 AUD = 1.1614 NZD +6.44% vs mid-market | Recipient gets $2,322.80 6-12 Hours | |
Ways to receive money in New Zealand with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $3.991 AUD = 1.1614 NZD $2,322.80You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via POLi | Fees: $3.99 1 AUD = 1.1614 NZD +6.44% vs mid-market | Recipient gets $2,322.80 6-12 Hours | |
Ways to receive money in New Zealand with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $3.991 AUD = 1.1614 NZD $2,322.80You pay$2,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $32.99 1 AUD = 1.1614 NZD +6.44% vs mid-market | Recipient gets $2,322.80 6-12 Hours | |
Ways to receive money in New Zealand with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $32.991 AUD = 1.1614 NZD $2,322.80You pay$2,032.99 | |||
| How Our Results Work Mid-market rate: 1 AUD = 1.2387 NZD Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Western Union at 2,473.87 NZD on $2,000.
Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.
You have 7 ways to pay, including bank transfer, debit card, credit card, osko, payto, payid, and poli.
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.
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).
How much AUD 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | -0.15% | $0.00 | $1,240.94with debit card to bank deposit | +$26.49 | |
| $1,500 | -0.15% | $0.00 | $1,861.41with debit card to bank deposit | +$33.64 | |
| $2,000This page | 0.15% | $0.00 | $2,473.87with debit card to bank deposit | +$37.25 | |
| $3,000 | 0.15% | $0.00 | $3,710.80with debit card to bank deposit | +$59.95 | |
| $7,500 | 0.18% | $0.00 | $9,277.01with debit card to bank deposit | +$132.00 | |
| $10,000 | 0.25% | $0.00 | $12,362.09with bank transfer to bank deposit | +$170.37 | |
| $12,000 | 0.25% | $0.00 | $14,831.76with bank transfer to bank deposit | +$203.01 | |
| $15,000 | 0.25% | $0.00 | $18,539.00with bank transfer to bank deposit | +$250.94 | |
| $100,000 | 0.20% | $0.00 | $123,628.75with bank transfer to bank deposit | +$1,870.91 | |
| $250,000 | 0.15% | $0.00 | $309,304.85with bank transfer to bank deposit | +$4,771.69 | |
| $500,000 | 0.15% | $0.00 | $618,418.48with bank transfer to bank deposit | +$2,529.87 |
Mid-market rate: 1 AUD = 1.2387 NZD
12 money transfer companies let you send money from Australia to New Zealand.
Cheapest for most transfers
Sending money online with a “self-service” provider is usually the cheapest way to send money to New Zealand.
For example, sending $500 with Western Union will get you 2,473.87 NZD after a $0 fee and 0.15% markup.
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
An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.
Western Union takes $0 in fees and 0.15% markup on a $0 transfer, and your NZD arrives in next day.
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
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 0.36% on AUD/NZD, and it gets lower the more you send.
You also get an account manager for the whole thing.
For overseas business payments
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 let you hold AUD and NZD in one account, and convert when the rate suits you.
Revolut converts $2,000 at 0.06% markup, and the NZD sits in your account until you spend or transfer it.
Most useful if you travel often to New Zealand, 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
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 $2,000 transfer, a bank like NAB adds 3.1% markup and delivers 2,401.87 NZD, against 2,473.87 NZD via Western Union (the cheapest option).
With Western Union, paying by debit card and receiving through a bank deposit is the cheapest combination. Sending $2,000 gives your recipient 2,473.87 NZD.
You can fund the transfer with bank transfer, debit card, credit card, osko, payto, payid, and poli.
You can pay with payid
Use the PayID supplied by the company and confirm the recipient name shown by your Australian bank before approving the payment.
Recipients in the New Zealand can collect NZD through bank deposit, cash pickup, and bill payment.
They can collect cash via Western Union
For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in the New Zealand.
You pay $2,000.00
$2,474
Cheapest
You pay $2,000.00
$2,474
$0
You pay $2,000.00
$2,468
-$6
You pay $2,000.00
$2,457
-$16
You pay $2,020.00
$2,454
-$20
You pay $2,000.00
$2,443
-$31
You pay $2,000.00
$2,435
-$39
You pay $2,000.00
$2,435
-$39
You pay $2,000.00
$2,435
-$39
You pay $2,000.00
$2,435
-$39
You pay $2,003.99
$2,323
-$151
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.
For an $2,000 transfer to New Zealand, these are the best options right now:
Cheapest
Western Union is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 2,473.87 NZD, which is 0.06% more than the next best option.
Fastest
Revolut delivers 2,472.36 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 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 New Zealand.
Confirm the registered business name shown by your bank before approving the PayID payment.
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.
Australia does not generally tax a genuine cash gift simply because you send it to family in New Zealand.
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.
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.
Small changes in the AUD/NZD rate can make a noticeable difference to the amount received, especially on a larger transfer.
Mid-market rate:1 AUD = 1.237652 NZD
We track 12 companies sending AUD to New Zealand, all holding an Australian licence, with rates refreshed in real time when running a live search.
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.
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