Best companies for EUR/NZD transfers
4 of 4 providers Last updated on 28 October 2026
Based on 1,700 EUR transfer Best companies for EUR/NZD transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €9.06 1 EUR = 1.9815 NZD -0.01% vs mid-market	Recipient gets $3,350.55 Same day
25 reviews Multi-currency cardReceive 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 €9.061 EUR = 1.9815 NZD $3,350.55You pay€1,700.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 1.9577 NZD +1.20% vs mid-market	Recipient gets $3,328.09 Minutes - 24 hours
4 reviews Personal account managerReceive 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 depositMinutes - 24 hours Free1 EUR = 1.9577 NZD $3,328.09You pay€1,700.00
Run a live search Showing top Spain to Cook Islands deals for 1,700 EUR. 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 EUR 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 EUR you're planning to spend in Cook Islands.
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal.
Instarem Pay via Bank transfer	Fee €0.00 1 EUR = 1.9747 NZD +0.33% vs mid-market	Recipient gets $3,356.99 Minutes - 24 hours
7 reviews Cheapest Receive to bank account
Ways to receive money in Cook Islands with Instarem when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.9747 NZD $3,356.99You pay€1,700.00
Wise Pay via Bank transfer	Fee €9.06 1 EUR = 1.9815 NZD -0.01% vs mid-market	Recipient gets $3,350.55 Same day
25 reviews Recommended Multi-currency cardReceive 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 €9.061 EUR = 1.9815 NZD $3,350.55You pay€1,700.00
Instarem Pay via Debit card	Fee €3.40 1 EUR = 1.9747 NZD +0.33% vs mid-market	Recipient gets $3,350.28 Minutes - 24 hours
7 reviews Receive to bank account
Ways to receive money in Cook Islands with Instarem when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.401 EUR = 1.9747 NZD $3,350.28You pay€1,700.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €7.55 1 EUR = 1.9772 NZD +0.21% vs mid-market	Recipient gets $3,346.33 Same day
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Cook Islands with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day €7.551 EUR = 1.9772 NZD $3,346.33You pay€1,700.00
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 iDEAL	Fee €11.85 1 EUR = 1.9815 NZD -0.01% vs mid-market	Recipient gets $3,345.02 Same day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Cook Islands with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €11.851 EUR = 1.9815 NZD $3,345.02You pay€1,700.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 1.9577 NZD +1.20% vs mid-market	Recipient gets $3,328.09 Minutes - 24 hours
4 reviews Personal account managerReceive 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 depositMinutes - 24 hours Free1 EUR = 1.9577 NZD $3,328.09You pay€1,700.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 1.9577 NZD +1.20% vs mid-market	Recipient gets $3,328.09 Minutes - 24 hours
4 reviews Personal account managerReceive 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 depositMinutes - 24 hours Free1 EUR = 1.9577 NZD $3,328.09You pay€1,700.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 1.9577 NZD +1.20% vs mid-market	Recipient gets $3,328.09 Minutes - 24 hours
4 reviews Personal account managerReceive 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 depositMinutes - 24 hours Free1 EUR = 1.9577 NZD $3,328.09You pay€1,700.00
Wise Pay via Debit card	Fee €22.42 1 EUR = 1.9815 NZD -0.01% vs mid-market	Recipient gets $3,324.07 Same day
25 reviews Multi-currency cardReceive 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 €22.421 EUR = 1.9815 NZD $3,324.07You pay€1,700.00
Wise Pay via Credit card	Fee €32.63 1 EUR = 1.9815 NZD -0.01% vs mid-market	Recipient gets $3,303.84 Same day
25 reviews Multi-currency cardReceive 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 €32.631 EUR = 1.9815 NZD $3,303.84You pay€1,700.00
How Our Results Work Mid-market rate: 1 EUR = 1.9813 NZD Updates every 60 minutes.

Why compare

EUR/NZD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Spain to Cook Islands

Pick a company

For a one-off transfer from Spain to Cook Islands, I suggest picking Instarem, it will get you the most NZD.

Instarem was the cheapest on 16 of the 19 days it quoted €1,700 transfers to Cook Islands.

The best option will change depending on the amount, so it's good to to get the best EUR/NZD rate today.

Fund your transfer

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

Bizum only works between Spanish accounts and caps at €500, which is why these companies exist in the first place.

Verify and send

First time round you'll need your DNI, or your NIE if you're not Spanish, and a proof of address.

An empadronamiento certificate covers the address if you don't have a bill in your name yet.

Compare amounts

How much EUR are you sending to Cook Islands?

How much EUR 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 Instarem was the cheapest in % of the transfers from €5,000 it quoted, and in 84% of all the transfers it quoted.


€500	0.39%	€0.00	$986.30with bank transfer to bank deposit	+$7.46
€1,000	0.20%	€0.55	$1,977.11with bank transfer to bank deposit	+$15.96
€1,700This page	0.33%	€0.00	$3,356.99with bank transfer to bank deposit	+$20.86
€2,000	0.02%	€10.43	$3,939.97with bank transfer to bank deposit	+$22.15
€5,000	0.00%	€24.17	$9,855.08with bank transfer to bank deposit	+$61.79
€7,000	0.27%	€0.00	$13,847.33with bank transfer to bank deposit	+$101.74
€10,000	0.27%	€0.00	$19,772.00with bank transfer to bank deposit	+$143.18

Mid-market rate: 1 EUR = 1.9813 NZD

EUR/NZD Exchange Rate History

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

The cheapest way to send EUR 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 1,700 EUR transfers to Cook Islands.

Each line shows what the recipient gets when you send €1,700, after fees, as quoted by each company. The mid-market line shows what €1,700 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 EUR 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 Spain.

Right now, Instarem pays 3,356.99 NZD on 1,700 EUR, which is 11.19 NZD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 3,419.21 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 Cook Islands.

We've tracked 196 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.

InstaremAppeared in 49 comparisons
Cheapest in 84% of them
WiseAppeared in 195 comparisons
Cheapest in 37% of them
RevolutAppeared in 188 comparisons
Cheapest in 12% of them

Based on 196 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 analyse 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.

Wise (today's second cheapest) was the cheapest in only 37% of its comparisons, so it's rarely the cheapest option for transfers to Cook Islands.

Ways to send money from Spain to Cook Islands

4 companies send money from Spain to Cook Islands, across app, online, global account, multi-currency account, digital wallet, and broker, and more.

Monthly remesas abroad

Money transfer apps

Sending monthly remesa is extremely popular in Spain.

Money transfer apps let you save contacts, schedule transfers, and lock-in rates.

Useful if you’re sending €100 to €300 monthly to Cook Islands.

Instarem charges €0 on a €1,700 transfer and pays out 3,356.99 NZD in minutes - 24 hours.

Over the past month, Instarem was the cheapest app on 84% of the days it appeared for €1,700 transfers.

You can pay for the transfers via bank transfer, debit card, credit card, and iDEAL, but Bizum is usually not accepted as a funding method.

For one-off transfers

Online transfers

For medium sized or one-off transfers to Cook Islands, an online money transfer service funded from your bank account is better than any bank.

Instarem turns €1,700 into 3,356.99 NZD with a €0 fee and 0.33% markup.

In our comparisons over the past month, it was the cheapest online service on 16 of the 19 days it quoted.

Sending large amounts

Currency brokers

Currency brokers are best for sending €10,000+ to Cook Islands. This can be things like selling property, moving a pension, moving back home, etc…

Xe charges no fee and works on a margin, with a person on the phone, and offices in Spain if you'd rather sit down with someone.

Our analysis shows Xe was the cheapest broker in 22% of the transfers from €5,000 it quoted.

For getting paid and spending abroad

Multi-currency accounts

If you often receive NZD (things like pensions, payments, salary, dividends, etc…), this is the best way to do it.

Because a multi-currency account gives you account details to receive NZD like a local and you can exchange it to EUR at any time.

The best multi-currency account in Spain with NZD support is offered by Wise.

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

For example, converting €1,700 gets you 3,350.55 NZD.

For businesses and autónomos paying abroad

Global accounts

Companies like Wise Business, Payoneer, or Airwallex are best suited for businesses in Spain making payments to Cook Islands.

You can pay suppliers and freelancers, process invoices, make batch payments, and much more.

Ways to fund EUR and receive NZD in Cook Islands

How you fund the transfer and how your recipient receives it affect the fees and how much NZD they get.

With Instarem, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending €1,700 gives your recipient 3,356.99 NZD.

For funding your transfer from Spain, you can use bank transfer, debit card, credit card, and iDEAL.

Bizum only supports domestic transfers in Spain, so it cannot send money to Cook Islands directly.

Pay from your Spanish bank account

Deposit your funds with a SEPA Instant (essentially your bank transfer) using your ES IBAN.

It is fast to fund the transfer, although delivery to Cook Islands depends on the company's payout time and delivery method.

In Cook Islands, the recipient can use bank deposit to receive money.

Collect cash in Cook Islands

Some locutorios in Spain can arrange international transfers to Cook Islands.

Check that the location serves Cook Islands and whether it accepts card or cash before visiting.

1

Bank transfer Bank deposit

You pay €1,700.00

NZ$3,357

Cheapest
2

Debit card Bank deposit

You pay €1,700.00

NZ$3,350

-NZ$7
3

iDEAL Bank deposit

You pay €1,700.00

NZ$3,345

-NZ$12
4

Credit card Bank deposit

You pay €1,700.00

NZ$3,328

-NZ$29

What to consider when sending money from Spain

Here are a few things to know before sending money from Spain to Cook Islands.

Find the best EUR/NZD transfer

These are the current best options for sending €1,700 to Cook Islands:

Cheapest option

Use Instarem, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 3,356.99 NZD, which is 0.19% more than the next best option.

Fastest option

With Revolut, a bank transfer payment to bank deposit gives your recipient 3,346.33 NZD, and its delivery time is same day.

SEPA & NZD are different

SEPA and SEPA Instant only work within the Eurozone, and Bizum largely operates in Spain.

Sending EUR to Cook Islands is different because it needs a currency conversion.

SEPA or SEPA Instant can be used to fund the transfer itself (since both are in EUR), but it does not guarantee instant transfer to Cook Islands.

Expect questions on a large payment

Your bank or transfer company can ask for a justificante showing the source and purpose of a large or unusual transfer.

Keep the sale agreement for property, an invoice for tuition or a bank statement for savings.

Ask your bank to raise its own online transfer limit before the payment is due, rather than splitting a payment to avoid a check.

Staying safe when sending money

A payment or electronic-money institution is not the same as a bank, so do not assume its stored balance has bank deposit protection.

For bank deposits, protection normally comes from the deposit guarantee scheme in the bank's home country.

For a transfer service, check how customer money is safeguarded and avoid leaving a large balance there longer than needed.

When in doubt, use the Banco de Espana register to check the legal entity behind a transfer service.

How we analyse the market

Every company here is authorised to operate in Spain, and you can check any of them on the Banco de España register yourself. We track 4 of them on EUR to NZD, comparing fees, rates and the ways money can be paid in and collected. In the past 30 days alone, we analysed 196 comparisons across 7 amounts.

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

Pricing mostly comes straight from the companies, and anything we collect by hand is marked in the table.

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 Spain

Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0073	–	$3,412.38
Wise Cheapest	2.0074	€9.06	$3,394.43	−$17.95
Revolut	2.0056	€9.55	$3,390.43	−$21.95
Instarem No quote collected this day	–	–	–	–

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0073	–	$3,412.47
Wise Cheapest	2.0078	€9.06	$3,395.04	−$17.43
Revolut	2.0055	€9.55	$3,390.18	−$22.29
Instarem No quote collected this day	–	–	–	–

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0138	–	$3,423.41
Instarem Cheapest	2.0113	€0.00	$3,419.21	−$4.20
Wise	2.0137	€9.06	$3,405.03	−$18.38
Revolut	2.0119	€9.55	$3,400.97	−$22.44

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0035	–	$3,405.91
Wise Cheapest	2.0035	€9.06	$3,387.75	−$18.16
Revolut	2.0015	€9.55	$3,383.43	−$22.48
Instarem No quote collected this day	–	–	–	–

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0047	–	$3,407.98
Wise Cheapest	2.0042	€9.06	$3,388.97	−$19.01
Instarem	1.9969	€3.40	$3,387.94	−$20.04
Revolut	1.9972	€26.55	$3,342.13	−$65.85

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0014	–	$3,402.40
Instarem Cheapest	1.9985	€3.40	$3,390.66	−$11.74
Wise	2.0013	€9.06	$3,383.99	−$18.41
Revolut	1.9997	€9.55	$3,380.37	−$22.03

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0044	–	$3,407.41
Instarem Cheapest	2.0010	€0.00	$3,401.70	−$5.71
Wise	2.0041	€9.06	$3,388.83	−$18.58
Revolut	2.0024	€9.55	$3,384.93	−$22.48

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0035	–	$3,405.97
Instarem Cheapest	2.0009	€0.00	$3,401.53	−$4.44
Wise	2.0034	€9.06	$3,387.61	−$18.36
Revolut	2.0015	€9.55	$3,383.48	−$22.49

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0009	–	$3,401.57
Instarem Cheapest	1.9982	€0.00	$3,396.94	−$4.63
Wise	2.0004	€9.06	$3,382.64	−$18.93
Revolut	1.9990	€9.55	$3,379.20	−$22.37

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9979	–	$3,396.51
Instarem Cheapest	1.9955	€0.00	$3,392.35	−$4.16
Wise	1.9980	€9.06	$3,378.57	−$17.94
Revolut	1.9960	€9.55	$3,374.11	−$22.40

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9985	–	$3,397.40
Wise Cheapest	1.9962	€9.06	$3,375.40	−$22.00
Revolut	1.9888	€26.55	$3,328.22	−$69.18
Instarem No quote collected this day	–	–	–	–

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9981	–	$3,396.80
Wise Cheapest	1.9979	€9.06	$3,378.41	−$18.39
Revolut	1.9963	€9.55	$3,374.65	−$22.15
Instarem No quote collected this day	–	–	–	–

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9974	–	$3,395.57
Wise Cheapest	1.9974	€9.06	$3,377.50	−$18.07
Revolut	1.9955	€9.55	$3,373.27	−$22.30
Instarem No quote collected this day	–	–	–	–

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9940	–	$3,389.88
Wise Cheapest	1.9939	€9.06	$3,371.50	−$18.38
Revolut	1.9921	€9.55	$3,367.52	−$22.36
Instarem No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9977	–	$3,396.17
Instarem Cheapest	1.9946	€0.00	$3,390.82	−$5.35
Wise	1.9977	€9.06	$3,377.96	−$18.21
Revolut	1.9942	€7.55	$3,375.14	−$21.03

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9874	–	$3,378.51
Instarem Cheapest	1.9849	€3.40	$3,367.58	−$10.93
Wise	1.9877	€9.06	$3,361.08	−$17.43
Revolut	1.9834	€7.55	$3,356.74	−$21.77

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9859	–	$3,376.02
Instarem Cheapest	1.9831	€0.00	$3,371.27	−$4.75
Wise	1.9872	€9.06	$3,360.20	−$15.82
Revolut	1.9799	€24.55	$3,317.22	−$58.80

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9835	–	$3,371.91
Instarem Cheapest	1.9812	€0.00	$3,368.04	−$3.87
Wise	1.9836	€9.06	$3,354.08	−$17.83
Revolut	1.9795	€7.55	$3,350.13	−$21.78

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9755	–	$3,358.33
Wise Cheapest	1.9755	€9.06	$3,340.38	−$17.95
Instarem No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9773	–	$3,361.33
Wise Cheapest	1.9774	€9.06	$3,343.73	−$17.60
Revolut	1.9733	€7.55	$3,339.73	−$21.60
Instarem No quote collected this day	–	–	–	–

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9756	–	$3,358.55
Wise Cheapest	1.9757	€9.06	$3,340.87	−$17.68
Instarem	1.9683	€3.40	$3,339.42	−$19.13
Revolut	1.9722	€7.55	$3,337.81	−$20.74

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9698	–	$3,348.66
Instarem Cheapest	1.9624	€0.00	$3,336.08	−$12.58
Wise	1.9696	€9.06	$3,330.49	−$18.17
Revolut	1.9664	€7.55	$3,327.96	−$20.70

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9614	–	$3,334.32
Wise Cheapest	1.9647	€9.06	$3,322.12	−$12.20
Revolut	1.9558	€24.55	$3,276.82	−$57.50
Instarem No quote collected this day	–	–	–	–

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9681	–	$3,345.69
Instarem Cheapest	1.9606	€0.00	$3,333.02	−$12.66
Wise	1.9682	€9.06	$3,328.02	−$17.66
Revolut	1.9642	€7.55	$3,324.37	−$21.32

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.9613	–	$3,334.26
Wise Cheapest	1.9614	€9.06	$3,316.54	−$17.72
Revolut	1.9575	€7.55	$3,312.97	−$21.29
Instarem No quote collected this day	–	–	–	–

How to send money to Cook Islands from Spain with the best EUR-NZD rate

Best companies for EUR/NZD transfers