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How to send money to New Zealand from Australia with the best AUD-NZD rate

Get the best deals on transfers from Australia to New Zealand. Find the cheapest, fastest, and best rated providers with the most competitive AUD to NZD exchange rates.

Read on for analysis and insights on the best ways to send money to New Zealand from Australia.

Transferring the other way? Send NZD from New Zealand to Australia instead.
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June 30th, 2025
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Best money transfer companies

Send money from Australia to New Zealand

Last updated: Today
Mid-market rate as of 06/30/2025: 1 AUD = 1.079845 NZD
Results below are based on a 12000 AUD search
0 of 14 providers
Sponsored
Wise
Recipient gets (NZD)
$12,894.70
Full transfer details
Visit Wise
$325 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (NZD)
$12,709.92
Full transfer details
Visit Xe
$141 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (NZD)
$12,925.74
Full transfer details
Visit Key Currency
$356 better than a typical bank*

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: Special Rate for 1st Transfer
2
Currencyflow
Recipient gets (NZD)
$12,924.45
Full transfer details
Visit Currencyflow
$355 better than a typical bank*

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Personal account manager
Multi-currency card
Receive to bank account
Support via email, phone, live chat + WhatsApp
Exclusive: First Transfer Deal
3
Regency FX
Recipient gets (NZD)
$12,923.15
Full transfer details
Visit Regency FX
$354 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
4
TorFx
Recipient gets (NZD)
$12,919.27
Full transfer details
Visit TorFx
$350 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
5
Wise
Recipient gets (NZD)
$12,894.70
Full transfer details
Visit Wise
$325 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
6
Currencies Direct
Recipient gets (NZD)
$12,862.80
Full transfer details
Visit Currencies Direct
$293 better than a typical bank*

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Personal account manager
Multi-currency card
Receive to bank account
7
OFX
Recipient gets (NZD)
$12,789.60
Full transfer details
Visit OFX
$220 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
8
WorldRemit
Recipient gets (NZD)
$12,758.62
Full transfer details
Visit WorldRemit
$189 better than a typical bank*

"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
9
Xe
Recipient gets (NZD)
$12,709.92
Full transfer details
Visit Xe
$141 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Revolut
Recipient gets (NZD)
$12,893.43
Sponsored
Wise
Recipient gets (NZD)
$12,894.70
Full transfer details
Visit Wise
$325 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (NZD)
$12,709.92
Full transfer details
Visit Xe
$141 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Best recommended: Wise

Wise is our top pick for sending Australian Dollar to New Zealand.

Of the 14 money transfer providers tested and reviewed, Wise scored highly for its competitive rates and fees.

For example, sending 12,000 AUD to NZD will cost you $43.19 in fees, and you will receive 12,894.7 NZD.

Make your Australia to New Zealand transfer using Wise for the best mix of cost and speed.

Wise is the top rated company for sending money from Australia (AUD) to New Zealand (NZD) - Wise Screenshot

How to compare deals on Australia to New Zealand money transfers

Summary of recent searches

Top rated for transfers from Australia to New Zealand
Wise
Total number of AU - NZ providers
14
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency
Best for debit card
Xe

Understanding Australia to New Zealand money transfers

1
Comparing providers

Comparing providers when sending money from Australia to New Zealand is the easiest way to make a transfer at the best price.

We’ve compared 14 providers for sending Australian Dollar to New Zealand. This ensures you will get the best options for your transfer to New Zealand from Australia.

We rate Wise as the best overall, but comparing gives you a comprehensive view of all the options for transferring money from Australia to New Zealand.

2
Get ahead of the Australian Dollar-New Zealand Dollar exchange rate
3
Choosing the right payment method
4
Financial regulators in Australia and New Zealand
5
Consider transfer limits
6
Receiving money in New Zealand
7
Have your ID ready
8
Tax declarations

Cheapest way to send money to New Zealand from Australia: Key Currency

Of the 14 providers compared, Key Currency is the cheapest option for sending money right now.

The cost is a combination of a fee of 0 AUD and an exchange rate for converting Australian Dollar to New Zealand Dollar that is 0.25% different to the mid-market rate.

We found that Key Currency is 0.01% cheaper than the second-best option.

We would recommend Key Currency for low cost, affordable transfers from New Zealand Dollars to New Zealand.

Key Currency is the cheapest way to send money from Australia (AUD) to New Zealand (NZD) - Key Currency Screenshot

Fastest way to send money from Australia to New Zealand: Currencyflow.

Currencyflow is the quickest way to send Australian Dollar to New Zealand of the 14 companies offering the service.

Based on a $12,000 transfer, Currencyflow transfer time for AUD-NZD transfers is minutes - 24 hours.

Using Currencyflow for fast transfers from Australia to New Zealand has a fee of 0 AUD.

Within our comparison we looked at the 14 money transfer providers offering transfers from Australia to New Zealand. Within this we looked at overall speed of sending money from Australia to New Zealand after depositing Australian Dollar to a money transfer account.

When faster money transfers are a priority, Currencyflow is our recommended choice for sending into New Zealand from Australia.

Currencyflow is the fastest way to send money from Australia (AUD) to New Zealand (NZD) - Currencyflow Screenshot

Transfer a large amount of money

For transferring bigger sums of money to New Zealand from Australia, opt for a provider with a competitive exchange rate and strong account management.

Wise is the best rated company for sending large amounts of New Zealand Dollar to New Zealand out of
14 companies offering the service.

Whether for a property purchase, or for business, sending large amounts of money to New Zealand from Australia has the potential to be very expensive.

Wise is our choice for big transfers to AUD because of all round price, speed and management when making large transfers.

Understanding the costs involved when transferring money from Australia to New Zealand

When calculating the costs of money transfers between Australia and New Zealand, opt for the best combination of fees and exchange rates:

The Mid-Market and Exchange Rates: Today, the AUD-NZD mid-market rate equals 1.0769 NZD per Australian Dollar.

  • For reference, the AUD-NZD average mid-market rate for the past 7 days has been 1.0792 NZD per Australian Dollar, with a high of 1.0798 and a low of 1.0787.

  • The company offering the best exchange rate is Wise.

  • Often the AUD-NZD exchange rate you receive is the bigger factor than how much it costs to send Australian Dollars to New Zealand.

Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Key Currency, cahrging 0 AUD per transfer. We would recommend searching for your exact send amount to get an idea of fees.

Amount Received: The amount received in New Zealand Dollar is the biggest indicator the total cost of sending money from Australia to New Zealand. Essentially, the more the recipient receives in New Zealand, the less it is costing to send from Australia.

Finding the best exchange rate between Australian Dollar and New Zealand Dollar

Getting a strong exchange rate between AUD and NZD is essential. The exchange rate you secure impacts how much NZD you get for your AUD.

Mid-market Rate
1 
=
1.076909 
NZD

It can pay to track rates, and keep on top of currency trends.

  • In the past 7 days, the mid-market rate from AUD to NZD has averaged 1.0792.

  • In this period there was a high of 1.0798, and a low of 1.0787.

  • Wise, which is our recommended service to send money online from Australia to New Zealand offers 1.0784 NZD per AUD which is only 0.13% above the mid-market rate.

Want to secure the best AUD-New Zealand Dollar exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Australia to New Zealand!

Funding your Australia to
New Zealand money transfer

  • Bank transfers

    Bank transfers are often the best and easier way to send money from Australia to New Zealand.

    By using a money transfer company such as Key Currency for transfers from Australia to New Zealand, you can send money via a bank transfer and benefit from lower fees and more favorable exchange rates than would be offered by a bank. 


    On average, Key Currency is the cheapest way to send money via a bank transfer. This is of the 14 companies we tested when sending AUD to New Zealand.

    With a fee of 0 AUD to send money from Australia to New Zealand, Key Currency offers a decent combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from Australia to New Zealand with a debit or a prepaid card is easy with Wise.


    Wise is a leading money transfer company for debit card payments, and offers transfers from Australia to New Zealand.

  • Credit cards

    We recommend avoiding credit card transfers due to high fees, and instead, you should consider a bank transfer or a debit card deposit.

    However, if you do need to use a credit card to fund your transfer, use our comparison tool to get the latest deal.

    Keep on top of fees: using a credit card to transfer money can result in a fee being charged by your card issuer. Where possible, we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between New Zealand and Australia.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Australia to New Zealand.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send AUD to NZD.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

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Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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