Instarem is the fastest way to send money from Spain to Cook Islands, with transfers arriving in minutes - 24 hours.
For the cheapest option, Instarem will get you 3,340.61 NZD on 1,700 EUR transfer.
| 3 of 3 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze EUR/NZD exchange rates from our comparisons. | |||
| Based on 1,700 EUR transfer Best companies for EUR/NZD transfersAll money transfer offers for EUR/NZD transfers, sorted by most NZD received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €9.06 1 EUR = 1.9710 NZD -0.01% vs mid-market | Recipient gets $3,332.88 Same day | |
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 = 1.9710 NZD $3,332.88You pay€1,700.00 | |||
| Promoted  Instarem Pay via Debit card | Fee €3.40 1 EUR = 1.9690 NZD +0.10% vs mid-market | Recipient gets $3,340.61 Minutes - 24 hours | |
Ways to receive money in Cook Islands with Instarem when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.401 EUR = 1.9690 NZD $3,340.61You 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 Debit card | Fee €3.40 1 EUR = 1.9690 NZD +0.10% vs mid-market | Recipient gets $3,340.61 Minutes - 24 hours | |
Ways to receive money in Cook Islands with Instarem when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.401 EUR = 1.9690 NZD $3,340.61You pay€1,700.00 | |||
| Wise Pay via Bank transfer | Fee €9.06 1 EUR = 1.9710 NZD -0.01% vs mid-market | Recipient gets $3,332.88 Same day | |
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 = 1.9710 NZD $3,332.88You pay€1,700.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €9.55 1 EUR = 1.9693 NZD +0.08% vs mid-market | Recipient gets $3,328.96 Within a week | |
Ways to receive money in Cook Islands with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week €9.551 EUR = 1.9693 NZD $3,328.96You 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/WERO | Fee €11.85 1 EUR = 1.9710 NZD -0.01% vs mid-market | Recipient gets $3,327.38 Same day | |
Ways to receive money in Cook Islands with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €11.851 EUR = 1.9710 NZD $3,327.38You pay€1,700.00 | |||
| Wise Pay via Debit card | Fee €22.42 1 EUR = 1.9710 NZD -0.01% vs mid-market | Recipient gets $3,306.54 Same day | |
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 = 1.9710 NZD $3,306.54You pay€1,700.00 | |||
| Wise Pay via Credit card | Fee €32.63 1 EUR = 1.9710 NZD -0.01% vs mid-market | Recipient gets $3,286.42 Same day | |
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 = 1.9710 NZD $3,286.42You pay€1,700.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 1.970886 NZD Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Spain to Cook Islands, I suggest picking Instarem, it will get you the most Cook Islands
The best option will change depending on the amount, so it's good to to get the best EUR/NZD rate today.
You have 4 ways to pay, including bank transfer, debit card, ideal, and credit card.
Bizum only works between Spanish accounts and caps at €500, which is why these companies exist in the first place.
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.
3 companies send money from Spain to Cook Islands, across app, global account, online, multi-currency account, and digital wallet, and more.
Monthly remesas abroad
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 €3.4 on a €1,700 transfer and pays out 3,340.61 NZD in minutes - 24 hours.
You can pay for the transfers via bank transfer, debit card, ideal, and credit card, but Bizum is usually not accepted as a funding method.
For one-off 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 3,340.61 NZD with a €3.4 fee and 0.1% markup.
Sending large amounts
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…
Brokers like Regency FX, Key Currency, or TorFX charge no fee on large transfers, just a margin that gets smaller as the amount grows.
You also get an account manager, access to forward contracts, limit orders, and more.
For getting paid and spending abroad
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.
For example, converting €1,700 gets you 3,332.88 NZD.
For businesses and autónomos paying abroad
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.
How you fund the transfer and how your recipient receives it affect the fees and how much NZD they get.
With Instarem, paying by debit card and receiving through a bank deposit is the cheapest combination. Sending €1,700 gives your recipient 3,340.61 NZD.
For funding your transfer from Spain, you can use bank transfer, debit card, ideal, and credit card.
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.
You pay €1,700.00
$3,341
Cheapest
You pay €1,700.00
$3,333
-$8
You pay €1,700.00
$3,327
-$13
You pay €1,700.00
$3,286
-$54
Here are a few things to know before sending money from Spain to Cook Islands.
These are the current best options for sending €1,700 to Cook Islands:
Cheapest option
Use $3,340.61, pay by debit card and choose bank deposit for the payout. Your recipient gets 3,340.61 NZD, which is 0.23% more than the next best option.
Fastest option
With Instarem, a debit card payment to bank deposit gives your recipient 3,340.61 NZD in minutes - 24 hours.
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.
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.
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.
The exchange rate has a direct impact on how much NZD your recipient gets. A weekly comparison makes it easier to judge today's EUR/NZD rate.
Mid-market rate:1 EUR = 1.97607 NZD
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 3 of them on EUR to NZD, comparing fees, rates and the ways money can be paid in and collected. Each one also goes through our own review.
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.
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