We’ve compared and analysed 10 money transfer companies in Finland.
| 10 of 10 providers Last updated on 28 October 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/NZD transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €33.32 1 EUR = 1.9814 NZD 0.00% vs mid-market | Recipient gets $13,803.64 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 €33.321 EUR = 1.9814 NZD $13,803.64You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 1.9710 NZD +0.53% vs mid-market | Recipient gets $13,797.00 Minutes - 24 hours | |
Ways to receive money in New Zealand with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.9710 NZD $13,797.00You pay€7,000.00 | |||
Run a live search Showing top Finland to New Zealand deals for 7,000 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 New Zealand. | |||
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. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 1.9765 NZD +0.25% vs mid-market | Recipient gets $13,835.20 Minutes - 3 days | |
Ways to receive money in New Zealand with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 1.9765 NZD $13,835.20You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 1.9761 NZD +0.27% vs mid-market | Recipient gets $13,832.43 Minutes - 24 hours | |
Ways to receive money in New Zealand with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.9761 NZD $13,832.43You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 1.9755 NZD +0.30% vs mid-market | Recipient gets $13,828.27 Minutes - 24 hours | |
Ways to receive money in New Zealand with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.9755 NZD $13,828.27You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €33.32 1 EUR = 1.9814 NZD 0.00% vs mid-market | Recipient gets $13,803.64 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 €33.321 EUR = 1.9814 NZD $13,803.64You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 1.9715 NZD +0.50% vs mid-market | Recipient gets $13,800.53 Minutes - 24 hours | |
Ways to receive money in New Zealand with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.9715 NZD $13,800.53You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 1.9710 NZD +0.53% vs mid-market | Recipient gets $13,797.00 Minutes - 24 hours | |
Ways to receive money in New Zealand with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.9710 NZD $13,797.00You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 1.9710 NZD +0.53% vs mid-market | Recipient gets $13,797.00 Minutes - 24 hours | |
Ways to receive money in New Zealand with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.9710 NZD $13,797.00You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 1.9710 NZD +0.53% vs mid-market | Recipient gets $13,797.00 Minutes - 24 hours | |
Ways to receive money in New Zealand with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.9710 NZD $13,797.00You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 1.9692 NZD +0.62% vs mid-market | Recipient gets $13,784.40 Minutes - 24 hours | |
Ways to receive money in New Zealand with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 1.9692 NZD $13,784.40You pay€7,000.00 | |||
| Wise Pay via iDEAL | Fee €43.47 1 EUR = 1.9814 NZD 0.00% vs mid-market | Recipient gets $13,783.53 Same day | |
Ways to receive money in New Zealand with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €43.471 EUR = 1.9814 NZD $13,783.53You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €2.52 1 EUR = 1.9675 NZD +0.70% vs mid-market | Recipient gets $13,767.50 Minutes - 24 hours | |
Ways to receive money in New Zealand with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €2.521 EUR = 1.9675 NZD $13,767.50You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 1.9795 NZD +0.10% vs mid-market | Recipient gets $13,717.26 Same day | |
Ways to receive money in New Zealand with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day €70.501 EUR = 1.9795 NZD $13,717.26You pay€7,000.00 | |||
| 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. | |||
| Wise Pay via Debit card | Fee €88.37 1 EUR = 1.9814 NZD 0.00% vs mid-market | Recipient gets $13,694.57 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 €88.371 EUR = 1.9814 NZD $13,694.57You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 1.9537 NZD +1.40% vs mid-market | Recipient gets $13,675.70 Minutes - 2 days | |
Ways to receive money in New Zealand with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 1.9537 NZD $13,675.70You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €130.43 1 EUR = 1.9814 NZD 0.00% vs mid-market | Recipient gets $13,611.23 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 €130.431 EUR = 1.9814 NZD $13,611.23You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 1.9795 NZD +0.10% vs mid-market | Recipient gets $13,419.33 Within minutes | |
Ways to receive money in New Zealand with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 1.9795 NZD $13,419.33You pay€7,000.00 | |||
| 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. | |||
| How Our Results Work Mid-market rate: 1 EUR = 1.9814 NZD Updates every 60 minutes. | |||
Transfer details
For a one-off EUR transfer to New Zealand, start with Key Currency.
Key Currency was the cheapest on 27 of the 28 days it quoted €7,000 transfers to New Zealand.
On a 7,000 EUR transfer, Key Currency delivers the most NZD.
The cheapest option depends on the amount, so I suggest to get the best EUR/NZD rate.
You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.
Select how you want the recipient to pick up the money. For transfers to New Zealand they can receive it via bank deposit.
If it's your first time using the service, you will need to verify your account.
This usually takes a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
How much EUR 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 Key Currency was the cheapest in 96% of the transfers from €2,000 it quoted, and in 96% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| €500 | 0.22% | €1.00 | $986.14with bank transfer to bank deposit | +$8.88 | |
| €2,000 | 0.08% | €0.00 | $3,958.40with debit card to bank deposit | +$34.44 | |
| €7,000This page | 0.25% | €0.00 | $13,835.20with bank transfer to bank deposit | +$88.66 |
Mid-market rate: 1 EUR = 1.9814 NZD
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 Key Currency), across 30 days of comparisons for 7,000 EUR transfers to New Zealand.
Wed, 28 Oct 2026Mid-market rate$13,869.88 Key Currency $13,835.20Key Currency$13,835.20Regency FX$13,832.43TorFx$13,828.27
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0070 | – | $14,049.29 | |
| | 2.0020 | €0.00 | $14,014.16 | −$35.13 |
| | 2.0016 | €0.00 | $14,011.35 | −$37.94 |
| | 2.0010 | €0.00 | $14,007.14 | −$42.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0074 | – | $14,052.00 | |
| | 2.0024 | €0.00 | $14,016.87 | −$35.13 |
| | 2.0020 | €0.00 | $14,014.06 | −$37.94 |
| | 2.0014 | €0.00 | $14,009.85 | −$42.15 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0155 | – | $14,108.57 | |
| | 2.0105 | €0.00 | $14,073.30 | −$35.27 |
| | 2.0101 | €0.00 | $14,070.48 | −$38.09 |
| | 2.0095 | €0.00 | $14,066.24 | −$42.33 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0055 | – | $14,038.36 | |
| | 2.0005 | €0.00 | $14,003.26 | −$35.10 |
| | 2.0001 | €0.00 | $14,000.46 | −$37.90 |
| | 1.9995 | €0.00 | $13,996.24 | −$42.12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0047 | – | $14,032.85 | |
| | 1.9997 | €0.00 | $13,997.77 | −$35.08 |
| | 1.9993 | €0.00 | $13,994.96 | −$37.89 |
| | 1.9987 | €0.00 | $13,990.75 | −$42.10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0047 | – | $14,032.85 | |
| | 1.9997 | €0.00 | $13,997.77 | −$35.08 |
| | 1.9993 | €0.00 | $13,994.96 | −$37.89 |
| | 1.9987 | €0.00 | $13,990.75 | −$42.10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0022 | – | $14,015.28 | |
| | 1.9972 | €0.00 | $13,980.24 | −$35.04 |
| | 1.9968 | €0.00 | $13,977.44 | −$37.84 |
| | 1.9962 | €0.00 | $13,973.24 | −$42.04 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0040 | – | $14,028.35 | |
| | 1.9990 | €0.00 | $13,993.28 | −$35.07 |
| | 1.9986 | €0.00 | $13,990.47 | −$37.88 |
| | 1.9980 | €0.00 | $13,986.26 | −$42.09 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0001 | – | $14,000.63 | |
| | 1.9951 | €0.00 | $13,965.63 | −$35.00 |
| | 1.9947 | €0.00 | $13,962.83 | −$37.80 |
| | 1.9941 | €0.00 | $13,958.63 | −$42.00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0010 | – | $14,006.89 | |
| | 1.9960 | €0.00 | $13,971.87 | −$35.02 |
| | 1.9956 | €0.00 | $13,969.07 | −$37.82 |
| | 1.9950 | €0.00 | $13,964.87 | −$42.02 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9994 | – | $13,995.77 | |
| | 1.9944 | €0.00 | $13,960.78 | −$34.98 |
| | 1.9940 | €0.00 | $13,957.98 | −$37.78 |
| | 1.9934 | €0.00 | $13,953.78 | −$41.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9985 | – | $13,989.30 | |
| | 1.9935 | €0.00 | $13,954.33 | −$34.97 |
| | 1.9931 | €0.00 | $13,951.53 | −$37.77 |
| | 1.9925 | €0.00 | $13,947.34 | −$41.96 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9985 | – | $13,989.30 | |
| | 1.9935 | €0.00 | $13,954.33 | −$34.97 |
| | 1.9931 | €0.00 | $13,951.53 | −$37.77 |
| | 1.9925 | €0.00 | $13,947.34 | −$41.96 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9993 | – | $13,995.06 | |
| | 1.9943 | €0.00 | $13,960.07 | −$34.99 |
| | 1.9939 | €0.00 | $13,957.27 | −$37.79 |
| | 1.9933 | €0.00 | $13,953.07 | −$41.99 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9958 | – | $13,970.29 | |
| | 1.9908 | €0.00 | $13,935.37 | −$34.92 |
| | 1.9904 | €0.00 | $13,932.57 | −$37.72 |
| | 1.9898 | €0.00 | $13,928.38 | −$41.91 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9923 | – | $13,946.02 | |
| | 1.9924 | €33.32 | $13,880.06 | −$65.96 |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9984 | – | $13,988.85 | |
| | 1.9934 | €0.00 | $13,953.88 | −$34.97 |
| | 1.9930 | €0.00 | $13,951.08 | −$37.77 |
| | 1.9924 | €0.00 | $13,946.88 | −$41.97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9843 | – | $13,890.19 | |
| | 1.9794 | €0.00 | $13,855.47 | −$34.72 |
| | 1.9790 | €0.00 | $13,852.69 | −$37.50 |
| | 1.9784 | €0.00 | $13,848.52 | −$41.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9859 | – | $13,901.24 | |
| | 1.9809 | €0.00 | $13,866.49 | −$34.75 |
| | 1.9805 | €0.00 | $13,863.71 | −$37.53 |
| | 1.9799 | €0.00 | $13,859.54 | −$41.70 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9859 | – | $13,901.24 | |
| | 1.9809 | €0.00 | $13,866.49 | −$34.75 |
| | 1.9805 | €0.00 | $13,863.71 | −$37.53 |
| | 1.9799 | €0.00 | $13,859.54 | −$41.70 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9798 | – | $13,858.72 | |
| | 1.9749 | €0.00 | $13,824.07 | −$34.65 |
| | 1.9745 | €0.00 | $13,821.30 | −$37.42 |
| | 1.9739 | €0.00 | $13,817.14 | −$41.58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9739 | – | $13,817.03 | |
| | 1.9689 | €0.00 | $13,782.49 | −$34.54 |
| | 1.9685 | €0.00 | $13,779.73 | −$37.30 |
| | 1.9679 | €0.00 | $13,775.58 | −$41.45 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9723 | – | $13,805.82 | |
| | 1.9673 | €0.00 | $13,771.31 | −$34.51 |
| | 1.9669 | €0.00 | $13,768.54 | −$37.28 |
| | 1.9663 | €0.00 | $13,764.40 | −$41.42 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9743 | – | $13,820.17 | |
| | 1.9694 | €0.00 | $13,785.62 | −$34.55 |
| | 1.9690 | €0.00 | $13,782.86 | −$37.31 |
| | 1.9684 | €0.00 | $13,778.71 | −$41.46 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9687 | – | $13,781.06 | |
| | 1.9638 | €0.00 | $13,746.61 | −$34.45 |
| | 1.9634 | €0.00 | $13,743.85 | −$37.21 |
| | 1.9628 | €0.00 | $13,739.72 | −$41.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9614 | – | $13,729.57 | |
| | 1.9565 | €0.00 | $13,695.25 | −$34.32 |
| | 1.9561 | €0.00 | $13,692.50 | −$37.07 |
| | 1.9555 | €0.00 | $13,688.38 | −$41.19 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 1.9647 | €33.32 | $13,687.16 | – |
| | – | – | – | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9705 | – | $13,793.58 | |
| | 1.9656 | €0.00 | $13,759.10 | −$34.48 |
| | 1.9652 | €0.00 | $13,756.34 | −$37.24 |
| | 1.9646 | €0.00 | $13,752.20 | −$41.38 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9613 | – | $13,729.07 | |
| | 1.9580 | €0.00 | $13,706.00 | −$23.07 |
| | 1.9564 | €0.00 | $13,694.74 | −$34.33 |
| | 1.9560 | €0.00 | $13,692.00 | −$37.07 |
| | 1.9554 | €0.00 | $13,687.88 | −$41.19 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 1.9814 | – | $13,869.88 | |
| | 1.9765 | €0.00 | $13,835.20 | −$34.68 |
| | 1.9761 | €0.00 | $13,832.43 | −$37.45 |
| | 1.9755 | €0.00 | $13,828.27 | −$41.61 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 1.9814 | – | $13,869.88 | |
|---|---|---|---|---|
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Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. 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 Finland.
Right now, Key Currency pays 13,835.2 NZD on 7,000 EUR, which is 34.68 NZD less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 14,073.3 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.
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 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.
Cheapest in 83% of them
Never the cheapest
Never the cheapest
Based on 21 comparisons across 3 amounts over the last 7 days.
Cheapest in 96% of them
Never the cheapest
Never the cheapest
Based on 62 comparisons across 3 amounts over the last 30 days.
Cheapest in 89% of them
Never the cheapest
Never the cheapest
Based on 72 comparisons across 3 amounts over the last 90 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 Key Currency is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.
10 companies send money from Finland to New Zealand, mostly through broker, online, app, multi-currency account, and global account, and a few more ways.
Usually the cheapest
Companies like Wise will get you 13,803.64 NZD on a €7,000 transfer.
In our comparisons over the past month, it was the cheapest online service on 24 of the 29 days it quoted.
If it's the only time you send money to New Zealand, then it's the best option.
For recurring transfers, an app is a bit more convenient.
For regular transfers
For the regular smaller transfer, apps are convenient and cheap.
Wise charges €33.32 on a €7,000 transfer, and 13,803.64 NZD arrives in next day.
Over the past month, Wise was the cheapest app on 83% of the days it appeared for €7,000 transfers.
In New Zealand they can receive money via bank deposit.
Moving money between your own accounts
Companies like Wise let you hold EUR and NZD balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to NZD with Wise gets you 13,803.64 NZD (€33.32 in fees and 0% markup).
This is especially useful for travel since you are spending in NZD (no extra fees from Wise, only local ATMs).
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
For freelancers and SMEs
Global accounts are for companies and freelancers making payments to New Zealand.
Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.
For sending large sums
Currency brokers are good for sending €10,000+ to New Zealand. They charge no fees and add a markup on the rate.
Key Currency charges no fee but adds 0.25% markup on top of the EUR/NZD rate.
Our analysis shows Key Currency was the cheapest broker in 96% of the transfers from €2,000 it quoted.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 13,835.2 NZD.
To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and iDEAL.
MobilePay and Siirto are useful for payments within Finland, but they do not send money to New Zealand directly.
For withdrawals in New Zealand, use bank deposit.
Receive NZD
The name should match the account holder's bank record, so double check it before sending.
You pay €7,000.00
NZ$13,835
Cheapest
You pay €7,000.00
NZ$13,797
-NZ$38
You pay €7,000.00
NZ$13,797
-NZ$38
You pay €7,000.00
NZ$13,784
-NZ$52
For a transfer from Finland, compare the NZD received and check whether the payment is a taxable gift rather than ordinary family support.
For a €7,000 transfer to New Zealand, these are the current cheapest, fastest and easiest options.
Cheapest
Key Currency is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 13,835.2 NZD, which is 0.02% more than the next best option.
Fastest
Revolut delivers 13,717.26 NZD in same day when you pay by bank transfer and choose bank deposit.
If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.
The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.
Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.
Cash sent to the recipient is treated as a normal gift because they can spend it on anything.
Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.
Keep the invoice, sale document or account statement ready.
SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in New Zealand.
An EEA company may be authorised in another country and operate in Finland through passporting.
If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.
Never move money to a so-called safe account or approve an unexpected bank-identification request.
When in doubt, check the company in the FIN-FSA supervised-entities register.
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 10 of them on EUR to New Zealand, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.
In the past 30 days alone, we analysed 62 comparisons across 3 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.
Nothing appears without passing our review.
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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