Best companies for CAD/NZD transfers
15 of 15 providers Last updated on 10 November 2026
Based on 1,000 CAD transfer Best companies for CAD/NZD transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $7.04 1 CAD = 1.2569 NZD +0.01% vs mid-market	Recipient gets $1,248.08 Within a week
25 reviews Receive 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 depositWithin a weekAvailable via:Bank Transfer $7.041 CAD = 1.2569 NZD $1,248.08You pay$1,000.00
Ad Instarem Pay via Interac	Fees: $0.00 1 CAD = 1.2543 NZD +0.22% vs mid-market	Recipient gets $1,254.30 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in New Zealand with Instarem when paying by interac. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.2543 NZD $1,254.30You pay$1,000.00
Run a live search Showing top Canada to New Zealand deals for 1,000 CAD. 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 CAD 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 CAD you're planning to spend in New Zealand.
Run a live search These are managed services with real human support for large CAD transfers. Click the link and update the transfer amount to get the best deal.
Instarem Pay via Interac	Fees: $0.00 1 CAD = 1.2543 NZD +0.22% vs mid-market	Recipient gets $1,254.30 6-12 Hours
7 reviews Cheapest Receive to bank account
Ways to receive money in New Zealand with Instarem when paying by interac. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.2543 NZD $1,254.30You pay$1,000.00
Remitbee Pay via Interac	Fees: $0.00 1 CAD = 1.2525 NZD +0.36% vs mid-market	Recipient gets $1,252.50 Next Day
0 reviews
Ways to receive money in New Zealand with Remitbee when paying by interac. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 1.2525 NZD $1,252.50You pay$1,000.00

Remitbee Pay via Bill payment	Fees: $0.00 1 CAD = 1.2525 NZD +0.36% vs mid-market	Recipient gets $1,252.50 Next Day
0 reviews
Ways to receive money in New Zealand with Remitbee when paying by bill payment. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 1.2525 NZD $1,252.50You pay$1,000.00
Remitbee Pay via Bank Transfer	Fees: $0.00 1 CAD = 1.2525 NZD +0.36% vs mid-market	Recipient gets $1,252.50 Next Day
0 reviews
Ways to receive money in New Zealand with Remitbee when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 1.2525 NZD $1,252.50You pay$1,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 CAD = 1.2513 NZD +0.46% vs mid-market	Recipient gets $1,251.30 Within minutes
19 reviews Fastest Receive to bank account or cash pickup
Ways to receive money in New Zealand with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes Free1 CAD = 1.2513 NZD $1,251.30You pay$1,000.00

Remitly Pay via Bank Transfer	Fees: $0.00 1 CAD = 1.2513 NZD +0.46% vs mid-market	Recipient gets $1,251.30 Within a week
19 reviews Receive to bank account or cash pickup
Ways to receive money in New Zealand with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 CAD = 1.2513 NZD $1,251.30You pay$1,000.00
Remitly Pay via Interac	Fees: $0.00 1 CAD = 1.2513 NZD +0.46% vs mid-market	Recipient gets $1,251.30 Within a week
19 reviews Receive to bank account or cash pickup
Ways to receive money in New Zealand with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin a week Free1 CAD = 1.2513 NZD $1,251.30You pay$1,000.00
Remitly Pay via Credit Card	Fees: $20.00 1 CAD = 1.2513 NZD +0.46% vs mid-market	Recipient gets $1,251.30 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in New Zealand with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $20.001 CAD = 1.2513 NZD $1,251.30You pay$1,020.00
Currencies Direct Pay via Bank Transfer	Fees: $0.00 1 CAD = 1.2498 NZD +0.58% vs mid-market	Recipient gets $1,249.80 6-12 Hours
3 reviews Receive to bank account
Ways to receive money in New Zealand with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.2498 NZD $1,249.80You pay$1,000.00
OFX Pay via Bank Transfer	Fees: $0.00 1 CAD = 1.2489 NZD +0.65% vs mid-market	Recipient gets $1,248.87 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in New Zealand with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.2489 NZD $1,248.87You pay$1,000.00
Wise Pay via Bank Transfer	Fees: $7.04 1 CAD = 1.2569 NZD +0.01% vs mid-market	Recipient gets $1,248.08 Within a week
25 reviews Our top pick Receive 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 depositWithin a weekAvailable via:Bank Transfer $7.041 CAD = 1.2569 NZD $1,248.08You pay$1,000.00
CurrencyFair Pay via Bank Transfer	Fees: $3.98 1 CAD = 1.2484 NZD +0.69% vs mid-market	Recipient gets $1,243.40 6-12 Hours
3 reviews Receive to bank account
Ways to receive money in New Zealand with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $3.981 CAD = 1.2484 NZD $1,243.40You pay$1,000.00
Paysend Pay via Debit Card	Fees: $0.00 1 CAD = 1.2414 NZD +1.25% vs mid-market	Recipient gets $1,241.40 6-12 Hours
0 reviews
Ways to receive money in New Zealand with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.2414 NZD $1,241.40You pay$1,000.00

Paysend Pay via Credit Card	Fees: $0.00 1 CAD = 1.2414 NZD +1.25% vs mid-market	Recipient gets $1,241.40 6-12 Hours
0 reviews
Ways to receive money in New Zealand with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.2414 NZD $1,241.40You pay$1,000.00
Remitbee Pay via Debit Card	Fees: $8.99 1 CAD = 1.2525 NZD +0.36% vs mid-market	Recipient gets $1,241.24 Next Day
0 reviews
Ways to receive money in New Zealand with Remitbee when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day $8.991 CAD = 1.2525 NZD $1,241.24You pay$1,000.00
Koho Pay via Bank Transfer	Fees: $12.11 1 CAD = 1.2562 NZD +0.07% vs mid-market	Recipient gets $1,240.99 Next day
0 reviews Receive to bank account
Ways to receive money in New Zealand with Koho when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $12.111 CAD = 1.2562 NZD $1,240.99You pay$1,000.00
Wise Pay via Interac	Fees: $12.74 1 CAD = 1.2569 NZD +0.01% vs mid-market	Recipient gets $1,240.92 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in New Zealand with Wise when paying by interac. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $12.741 CAD = 1.2569 NZD $1,240.92You pay$1,000.00
RBC Pay via Bank Transfer	Fees: $0.00 1 CAD = 1.2385 NZD +1.49% vs mid-market	Recipient gets $1,238.50 6-12 Hours
0 reviews
Ways to receive money in New Zealand with RBC when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.2385 NZD $1,238.50You pay$1,000.00
Wise Pay via Debit Card	Fees: $18.06 1 CAD = 1.2569 NZD +0.01% vs mid-market	Recipient gets $1,234.23 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in New Zealand with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $18.061 CAD = 1.2569 NZD $1,234.23You pay$1,000.00
Moneycorp Pay via Bank Transfer	Fees: $0.00 1 CAD = 1.2319 NZD +2.00% vs mid-market	Recipient gets $1,231.90 Next Day
0 reviews
Ways to receive money in New Zealand with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 1.2319 NZD $1,231.90You pay$1,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 CAD = 1.2309 NZD +2.10% vs mid-market	Recipient gets $1,230.86 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in New Zealand with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 1.2309 NZD $1,230.86You pay$1,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 CAD = 1.2309 NZD +2.10% vs mid-market	Recipient gets $1,230.86 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in New Zealand with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 1.2309 NZD $1,230.86You pay$1,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $5.99 1 CAD = 1.2179 NZD +3.16% vs mid-market	Recipient gets $1,217.90 6-12 Hours
2 reviews
Ways to receive money in New Zealand with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 1.2179 NZD $1,217.90You pay$1,005.99

$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $5.99 1 CAD = 1.2179 NZD +3.16% vs mid-market	Recipient gets $1,217.90 6-12 Hours
2 reviews
Ways to receive money in New Zealand with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 1.2179 NZD $1,217.90You pay$1,005.99
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fees: $5.99 1 CAD = 1.2179 NZD +3.16% vs mid-market	Recipient gets $1,217.90 6-12 Hours
2 reviews
Ways to receive money in New Zealand with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 1.2179 NZD $1,217.90You pay$1,005.99
Wise Pay via Credit Card	Fees: $32.81 1 CAD = 1.2569 NZD +0.01% vs mid-market	Recipient gets $1,215.69 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in New Zealand with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $32.811 CAD = 1.2569 NZD $1,215.69You pay$1,000.00
TD Bank Pay via Bank Transfer	Fees: $0.00 1 CAD = 1.2118 NZD +3.67% vs mid-market	Recipient gets $1,211.76 6-12 Hours
0 reviews
Ways to receive money in New Zealand with TD Bank when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 1.2118 NZD $1,211.76You pay$1,000.00
Ria Money Transfer Pay via Debit Card	Fees: $45.00 1 CAD = 1.2593 NZD -0.18% vs mid-market	Recipient gets $1,202.63 6-12 Hours
0 reviews
Ways to receive money in New Zealand with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $45.001 CAD = 1.2593 NZD $1,202.63You pay$1,000.00 Cash pickup6-12 Hours $45.001 CAD = 1.2593 NZD $1,202.63You pay$1,000.00
Ria Money Transfer Pay via Credit Card	Fees: $65.00 1 CAD = 1.2593 NZD -0.18% vs mid-market	Recipient gets $1,177.45 6-12 Hours
0 reviews
Ways to receive money in New Zealand with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $65.001 CAD = 1.2593 NZD $1,177.45You pay$1,000.00 Cash pickup6-12 Hours $65.001 CAD = 1.2593 NZD $1,177.45You pay$1,000.00
How Our Results Work Mid-market rate: 1 CAD = 1.2570 NZD Updates every 60 minutes.

Why compare

CAD/NZD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Canada to New Zealand

Pick a company

Start with the cheapest, which is Instarem at 1,254.30 NZD on CA$1,000.

Instarem was the cheapest on 21 of the 21 days it quoted CA$1,000 transfers to New Zealand.

More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.

Fund your transfer

You have 6 ways to pay, including bank transfer, debit card, credit card, interac, bill payment, and cash deposit.

Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.

Verify and send

First time round you'll need a photo ID, and often where the money came from.

Your first transfer will be slower than the ones after it because of those checks, so send it a few days before it's needed.

Compare amounts

How much CAD are you sending to New Zealand?

How much CAD 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 Instarem was the cheapest in 54% of the transfers up to CA$1,000 it quoted, and in 54% of all the transfers it quoted.


$100	0.19%	$0.00	$125.47with interac to bank deposit	+$8.82
$500	-0.08%	$0.00	$629.25with debit card to bank deposit	+$14.03
$850	0.20%	$0.00	$1,066.07with interac to bank deposit	+$17.16
$1,000This page	0.22%	$0.00	$1,254.30with interac to bank deposit	+$18.41
$3,000	0.20%	$0.00	$3,758.70with bank transfer to bank deposit	+$40.18
$10,000	0.18%	$0.00	$12,546.00with bank transfer to bank deposit	+$95.74
$50,000	0.20%	$0.00	$62,679.39with bank transfer to bank deposit	+$555.84

Mid-market rate: 1 CAD = 1.2570 NZD

CAD/NZD Exchange Rate History

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

The cheapest way to send CAD 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 Instarem), across 30 days of comparisons for 1,000 CAD transfers to New Zealand.

Each line shows what the recipient gets when you send $1,000, after fees, as quoted by each company. The mid-market line shows what $1,000 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 CAD 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 Canada.

Right now, Instarem pays 1,254.30 NZD on 1,000 CAD, which is 2.74 NZD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,276.80 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 209 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.

InstaremAppeared in 68 comparisons
Cheapest in 54% of them
RemitbeeAppeared in 108 comparisons
Never the cheapest
RemitlyAppeared in 141 comparisons
Cheapest in 54% of them
RBCAppeared in 114 comparisons
Never the cheapest

Based on 209 comparisons across 7 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 analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Instarem is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Remitbee (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 Canada to New Zealand

There are 15 companies sending money to New Zealand, but how you send depends on your needs.

Most common option

In-person transfers

Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.

Bring CA$1,000 in cash to the closest Remitly location, and your recipient picks up 1,251.30 NZD within minutes.

Our data shows Remitly came out cheapest among in-person options on 100% of days in the past month.

Cash transfers cost more

Cash transfer to New Zealand is usually the most expensive option, compare your options above to get the best deal.

For transfers home

Money transfer apps

An app does the same job as the store for less, and you top it up with an Interac e-Transfer, the same way you'd send money to a friend.

Instarem charges CA$0 in fees and adds 0.22% markup, so your CA$1,000 delivers 1,254.30 NZD in 6-12 hours.

Over the past month, Instarem was the cheapest app on 100% of the days it appeared for CA$1,000 transfers.

You don't need a SIN to sign up either, a passport works.

For one-off transfers

Online transfers

For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.

Of the 15 companies we compared, Instarem is the cheapest online service and currently gets you 1,254.30 NZD on a CA$1,000 transfer after a CA$0 fee and 0.22% markup.

In our comparisons over the past month, it was the cheapest online service on 21 of the 21 days it quoted.

Funding by bank transfer (EFT) is cheapest but takes 1-2 days to clear, and Interac e-Transfer or debit card is faster but pricier.

The most expensive way

Banks

A wire from your bank carries a $30 to $80 fee, plus another 1.5 to 3% inside the exchange rate that you won't see itemized anywhere.

On a CA$1,000 transfer, a bank like RBC delivers 1,238.50 NZD, against 1,254.30 NZD with Instarem.

We found RBC was the cheapest bank on 30 of the 30 days it appeared for this amount.

The wire can feel like the safer choice for a big amount, but bank deposit insurance and the safeguards used by money transfer companies are just as safe, just different protections.

For large transfers from Canada

Currency brokers

For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.

Brokers like Currencies Direct charge no fees but add 0.58% on CAD/NZD interbank rate.

The markup gets lower the more you send, with an account manager handling it end to end.

Our analysis shows Currencies Direct was the cheapest broker in 63% of all the transfers it quoted.

If you're sending large amounts, expect more questions about the transfers, so have statements and documents ready to avoid delays.

If you already have one

Challenger banks

Some neobanks in Canada include international transfers with no transfer fee as part of the account.

Koho sends your CA$1,000 for CA$12.11 in fees with 0.07% markup.

It's a good option for small occasional transfers, but I still suggest .

Our data shows Koho came out cheapest among challenger banks on 100% of days in the past month.

For businesses paying abroad

Global accounts

Global accounts handle the business side, paying suppliers, contractors and overseas invoices in NZD.

Companies like OFX, Airwallex, or WorldFirst are set up for the batch and recurring payments a personal app can't do.

For spending abroad and getting paid

Multi-currency accounts

If part of your life runs in NZD, be it spending it, saving it, or waiting for a better rate, a multi-currency account can hold it alongside your CAD.

Currencies Direct lets you hold CAD and NZD, and convert between them at low cost.

For example, converting $1,000 costs $0 in fees at 0.58% markup, which gets you 1,249.80 NZD.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund CAD and receive NZD in New Zealand

With Instarem, paying by interac and receiving through bank deposit is the cheapest combination. Sending CA$1,000 gives your recipient 1,254.30 NZD.

Our data shows that Instarem gets your recipient 15.80 NZD more than RBC, today's cheapest bank, on the same CA$1,000.

Deposit CAD using bank transfer, debit card, credit card, interac, bill payment, and cash deposit.

I suggest using Interac e-Transfer for simplicity

Follow the company's Interac instructions and check the business name before sending.

Do not send to an email address supplied outside the company's app or website.

The recipient can receive NZD through bank deposit and cash pickup.

For a bank deposit payout, you will need the recipient's bank details in New Zealand.

1

Interac Bank deposit

You pay CA$1,000.00

NZ$1,254

Cheapest
2

Bank transfer Bank deposit

You pay CA$1,000.00

NZ$1,253

-NZ$2
3

Bill payment Bank deposit

You pay CA$1,000.00

NZ$1,253

-NZ$2
4

debit card Bank deposit

You pay CA$1,000.00

NZ$1,251

-NZ$3
5

credit card Bank deposit

You pay CA$1,020.00

NZ$1,251

-NZ$3

Show moreShow less

6

debit card Cash pickup

You pay CA$1,005.99

NZ$1,218

-NZ$36
7

credit card Cash pickup

You pay CA$1,005.99

NZ$1,218

-NZ$36
8

Cash deposit Cash pickup

You pay CA$1,005.99

NZ$1,218

-NZ$36

Consider this when sending CAD to New Zealand

Interac can fund an international transfer, but it does not send money abroad by itself. You should also know what happens when a transfer reaches the FINTRAC reporting threshold.

Compare CAD/NZD transfer options

For a CA$1,000 transfer to New Zealand, these are the cheapest, fastest and easiest options available now.

Best way to send money to New Zealand

Instarem is the cheapest and easiest option, funded by interac with bank deposit for the payout. Your recipient gets 1,254.30 NZD, which is 0.14% more than the next best option.

Fastest way to send money to New Zealand

Remitly is fastest when you pay by debit card and choose bank deposit for the payout. The transfer delivers 1,251.30 NZD in within an hour.

Interac only works inside Canada

An Interac e-Transfer cannot go directly to a recipient in New Zealand.

When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.

C$10,000 reporting threshold

There is no C$10,000 legal cap on electronic transfers from Canada.

A reporting entity must report an international electronic funds transfer of C$10,000 or more to FINTRAC, including linked transfers that meet the 24-hour rule.

The bank or transfer company makes that report, you do not file it yourself.

But you may be asked for proof of where the money came from.

Sending your own cash or making a genuine cash gift does not create a Canadian gift tax simply because the money goes abroad.

Tax can become relevant when you transfer an appreciated asset rather than cash, or when attribution rules apply.

CDIC protection

Money held with a payment company is not covered by CDIC in the same way as an eligible bank deposit.

Payment companies covered by the Retail Payment Activities Act must safeguard end-user funds, but the Bank of Canada does not resolve individual fee or payment disputes.

If you’re unsure about the company, you can check the company in the FINTRAC MSB Registry.

If you live in Quebec, also confirm that it is allowed to provide money services there.

How we analyse the market

Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.

That covers 15 FINTRAC-registered companies sending CAD to New Zealand, updated in real time during a live search, compared on rates, fees and how your recipient can collect.

In the past 30 days alone, we analyzed 209 comparisons across 7 amounts.

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

Each goes through our review. 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 Canada

Send money to New Zealand

Send money from Philippines to New Zealand Send money from United States to New Zealand Send money from Australia to New Zealand Send money from South Africa to New Zealand Send money from Germany to New Zealand Send money from United Kingdom to New Zealand Send money from France to New Zealand Send money from India to New Zealand Send money from Nigeria to New Zealand Send money from Spain to New Zealand

Mon, Oct 12, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2517	–	$1,251.70
Currencies Direct Cheapest	1.2445	$0.00	$1,244.50	−$7.19
Remitly	1.2419	$0.00	$1,241.90	−$9.79
Remitbee	1.2259	$0.00	$1,225.90	−$25.79
RBC	1.2177	$0.00	$1,217.75	−$33.94
Instarem No quote collected this day	–	–	–	–

Tue, Oct 13, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2518	–	$1,251.81
Remitly Cheapest	1.2490	$0.00	$1,249.00	−$2.81
RBC	1.2189	$0.00	$1,218.90	−$32.91
Instarem No quote collected this day	–	–	–	–
Remitbee No quote collected this day	–	–	–	–

Wed, Oct 14, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2520	–	$1,252.02
Instarem Cheapest	1.2499	$0.00	$1,249.90	−$2.12
Remitly	1.2495	$0.00	$1,249.50	−$2.52
RBC	1.2199	$0.00	$1,219.92	−$32.10
Remitbee No quote collected this day	–	–	–	–

Thu, Oct 15, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2541	–	$1,254.08
Instarem Cheapest	1.2518	$0.00	$1,251.80	−$2.28
Remitly	1.2507	$0.00	$1,250.70	−$3.38
RBC	1.2227	$0.00	$1,222.73	−$31.35
Remitbee No quote collected this day	–	–	–	–

Fri, Oct 16, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2477	–	$1,247.67
Instarem Cheapest	1.2453	$0.00	$1,245.30	−$2.37
Remitly	1.2451	$0.00	$1,245.10	−$2.57
RBC	1.2227	$0.00	$1,222.73	−$24.94
Remitbee No quote collected this day	–	–	–	–

Sat, Oct 17, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2483	–	$1,248.28
Instarem Cheapest	1.2471	$0.00	$1,247.10	−$1.18
Remitly	1.2471	$0.00	$1,247.10	−$1.18
RBC	1.2179	$0.00	$1,217.88	−$30.40
Remitbee No quote collected this day	–	–	–	–

Mon, Oct 19, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2529	–	$1,252.95
Instarem Cheapest	1.2506	$0.00	$1,250.60	−$2.35
Remitly	1.2492	$0.00	$1,249.20	−$3.75
RBC	1.2190	$0.00	$1,219.05	−$33.90
Remitbee No quote collected this day	–	–	–	–

Tue, Oct 20, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2489	–	$1,248.88
Instarem Cheapest	1.2468	$0.00	$1,246.80	−$2.08
Remitly	1.2456	$0.00	$1,245.60	−$3.28
RBC	1.2201	$0.00	$1,220.10	−$28.78
Remitbee No quote collected this day	–	–	–	–

Wed, Oct 21, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2524	–	$1,252.42
Remitly Cheapest	1.2486	$0.00	$1,248.60	−$3.82
RBC	1.2190	$0.00	$1,219.04	−$33.38
Instarem No quote collected this day	–	–	–	–
Remitbee No quote collected this day	–	–	–	–

Thu, Oct 22, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2522	–	$1,252.17
Remitly Cheapest	1.2487	$0.00	$1,248.70	−$3.47
RBC	1.2201	$0.00	$1,220.10	−$32.07
Instarem No quote collected this day	–	–	–	–
Remitbee No quote collected this day	–	–	–	–

Fri, Oct 23, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2538	–	$1,253.81
Instarem Cheapest	1.2513	$0.00	$1,251.30	−$2.51
Remitly	1.2501	$0.00	$1,250.10	−$3.71
RBC	1.2201	$0.00	$1,220.10	−$33.71
Remitbee No quote collected this day	–	–	–	–

Sat, Oct 24, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2504	–	$1,250.39
Remitly Cheapest	1.2490	$0.00	$1,249.00	−$1.39
Remitbee	1.2331	$0.00	$1,233.10	−$17.29
RBC	1.2197	$0.00	$1,219.66	−$30.73
Instarem No quote collected this day	–	–	–	–

Mon, Oct 26, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2523	–	$1,252.28
Remitly Cheapest	1.2483	$0.00	$1,248.30	−$3.98
Remitbee	1.2331	$0.00	$1,233.10	−$19.18
RBC	1.2183	$0.00	$1,218.27	−$34.01
Instarem No quote collected this day	–	–	–	–

Tue, Oct 27, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2528	–	$1,252.77
Remitly Cheapest	1.2492	$0.00	$1,249.20	−$3.57
Remitbee	1.2331	$0.00	$1,233.10	−$19.67
RBC	1.2202	$0.00	$1,220.19	−$32.58
Instarem No quote collected this day	–	–	–	–

Wed, Oct 28, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2665	–	$1,266.47
Instarem Cheapest	1.2644	$0.00	$1,264.40	−$2.07
Remitly	1.2623	$0.00	$1,262.30	−$4.17
RBC	1.2339	$0.00	$1,233.91	−$32.56
Remitbee	1.2331	$0.00	$1,233.10	−$33.37

Thu, Oct 29, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2720	–	$1,271.97
Remitly Cheapest	1.2683	$0.00	$1,268.30	−$3.67
RBC	1.2372	$0.00	$1,237.23	−$34.74
Instarem No quote collected this day	–	–	–	–
Remitbee No quote collected this day	–	–	–	–

Fri, Oct 30, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2702	–	$1,270.25
Instarem Cheapest	1.2675	$0.00	$1,267.50	−$2.75
Remitly	1.2663	$0.00	$1,266.30	−$3.95
RBC	1.2368	$0.00	$1,236.76	−$33.49
Remitbee	1.2331	$0.00	$1,233.10	−$37.15

Sat, Oct 31, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2682	–	$1,268.21
Instarem Cheapest	1.2670	$0.00	$1,267.00	−$1.21
Remitly	1.2666	$0.00	$1,266.60	−$1.61
RBC	1.2343	$0.00	$1,234.31	−$33.90
Remitbee	1.2331	$0.00	$1,233.10	−$35.11

Sun, Nov 1, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2683	–	$1,268.32
Instarem Cheapest	1.2670	$0.00	$1,267.00	−$1.32
Remitly	1.2666	$0.00	$1,266.60	−$1.72
RBC	1.2343	$0.00	$1,234.26	−$34.06
Remitbee	1.2331	$0.00	$1,233.10	−$35.22

Mon, Nov 2, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2737	–	$1,273.73
Instarem Cheapest	1.2717	$0.00	$1,271.70	−$2.03
Remitly	1.2698	$0.00	$1,269.80	−$3.93
RBC	1.2338	$0.00	$1,233.83	−$39.90
Remitbee	1.2331	$0.00	$1,233.10	−$40.63

Tue, Nov 3, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2721	–	$1,272.08
Instarem Cheapest	1.2694	$0.00	$1,269.40	−$2.68
Remitly	1.2682	$0.00	$1,268.20	−$3.88
RBC	1.2366	$0.00	$1,236.57	−$35.51
Remitbee	1.2331	$0.00	$1,233.10	−$38.98

Wed, Nov 4, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2765	–	$1,276.49
Instarem Cheapest	1.2741	$0.00	$1,274.10	−$2.39
Remitly	1.2728	$0.00	$1,272.80	−$3.69
RBC	1.2366	$0.00	$1,236.57	−$39.92
Remitbee	1.2331	$0.00	$1,233.10	−$43.39

Thu, Nov 5, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2698	–	$1,269.76
Instarem Cheapest	1.2673	$0.00	$1,267.30	−$2.46
Remitly	1.2659	$0.00	$1,265.90	−$3.86
RBC	1.2368	$0.00	$1,236.79	−$32.97
Remitbee	1.2331	$0.00	$1,233.10	−$36.66

Fri, Nov 6, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2795	–	$1,279.48
Instarem Cheapest	1.2768	$0.00	$1,276.80	−$2.68
Remitly	1.2748	$0.00	$1,274.80	−$4.68
RBC	1.2450	$0.00	$1,244.99	−$34.49
Remitbee	1.2331	$0.00	$1,233.10	−$46.38

Sat, Nov 7, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.2776	–	$1,277.57
Instarem Cheapest	1.2726	$0.00	$1,272.60	−$4.97
Remitly	1.2713	$0.00	$1,271.30	−$6.27
Remitbee	1.2525	$0.00	$1,252.50	−$25.07
RBC	1.2432	$0.00	$1,243.16	−$34.41

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