For an immediate payment to someone who already has Revolut, I suggest using a Revolut-to-Revolut transfer from an available balance.
For a bank recipient, Wise lets you choose between balance, card and bank funding with an arrival estimate for the order.
Remitly suits Pacific family payments when you want cash or mobile-wallet delivery, with the receiving option and arrival estimate together in the order.
I suggest judging speed by when the recipient can use the money, rather than when the app confirms your payment.
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At a glance
Revolut: Immediate payments to another Revolut user.
OrbitRemit: Local sending with tracking and later card funding.
Western Union: Cash collection with mobile funding choices.
Xe: Bank payments with rate alerts and status updates.
WorldRemit: Bank, cash and wallet delivery with POLi funding.
OFX: Planning a larger bank transfer with support.
Check delivery estimates for transfers from New Zealand
Enter your destination and NZD amount to compare available quotes and delivery times.
Apps for fast overseas payments
An available balance or card can shorten funding, while the receiving bank, wallet or collection service determines the final delivery.
Immediate payments to another Revolut user
8.8
Revolut
general.fees
0.3% - 1%
general.exchangeRateMarkup
0.1% - 0.6%
general.transferSpeed
Minutes - 5 days
"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."
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.
Bank-transfer estimates beside foreign balances
9.2
Wise
general.fees
0.1% - 2.6%
general.exchangeRateMarkup
0%
general.transferSpeed
Minutes - 24 hours
"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."
Pacific cash and mobile-wallet payments
8.2
Remitly
general.fees
None
general.exchangeRateMarkup
0.1% - 1.3%
general.transferSpeed
Minutes - 3 days
"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."
Local sending with tracking and later card funding
7.1
OrbitRemit
general.fees
None
general.exchangeRateMarkup
0.7% - 2%
general.transferSpeed
Minutes - 3 days
Cash collection with mobile funding choices
8.1
Western Union
general.fees
None
general.exchangeRateMarkup
0.2% - 1.5%
general.transferSpeed
1 - 5 days
Bank payments with rate alerts and status updates
8.6
Xe
general.fees
$1.99 - $2.99
general.exchangeRateMarkup
0.3% - 2.1%
general.transferSpeed
Minutes - 24 hours
"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."
Bank, cash and wallet delivery with POLi funding
8.7
WorldRemit
general.fees
$1.99 - $2.99
general.exchangeRateMarkup
0.8% - 3%
general.transferSpeed
Minutes - 2 days
"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."
Planning a larger bank transfer with support
8.5
OFX
general.fees
None
general.exchangeRateMarkup
0.4% - 1.5%
general.transferSpeed
Minutes - 24 hours
"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."
Revolut
Revolut is fastest when you are both already using it
Available on
iOS and Android
App store rating
4.7/5 (2.9k+ ratings)
Google play rating
4.5/5 (4.1m+ reviews)
Revolut-to-Revolut transfers reach the other account immediately, making this my pick when you both have verified accounts and available money.
You can choose a contact or RevTag in the app, rather than enter a foreign bank's account details.
For an external bank recipient, the app gives a separate estimate, with international bank payments typically taking one to three business days.
You can fund through a New Zealand bank or eligible card, but the money needs to be available before that internal transfer happens.
I like its multi-currency account in New Zealand for keeping travel balances beside payments, with card controls and scheduled transfers in the same app.
Standard has no monthly subscription, while its rolling NZ$2,000 exchange allowance combines eligible currency conversions across the month.
During market hours, exchange above that allowance costs 0.5%, while outside market hours the charge is 1% within the allowance and 1.5% above.
The app's applicable market-hours schedule determines that charge, rather than simply whether it is Saturday or Sunday in New Zealand.
International bank-transfer fees and card-funding charges are separate, including up to 1% for a New Zealand credit or corporate card top-up.
For external bank payments, the NZ$1,000 and NZ$5,000 quotes show delivery alongside costs, which differ from the immediate user-to-user transfer.
Wise lets you fund a bank payment from money already available
Available on
iOS and Android
App store rating
4.8/5 (22k+ ratings)
Google play rating
4.8/5 (2m+ reviews)
Wise is a good option for an urgent bank payment when you already hold the sending money in your account.
That removes the wait for an external funding payment, although conversion and the receiving bank still determine the arrival estimate.
You can also pay through a New Zealand bank, card or POLi, with card funding limited to NZ$3,000 and POLi to NZ$5,000.
The app lets you save the recipient, choose funding and follow each transfer's progress after confirmation.
My suggestion is to compare the arrival estimate for each available payment method before paying extra for a card-funded order.
Its foreign balances and available receiving details also suit income from abroad, and the debit card lets you spend a matching balance while travelling.
That makes its multi-currency account more appealing when you need both international payments and foreign spending, rather than one emergency remittance.
Wise converts at the mid-market rate with a separate service fee, and the personal account has no monthly subscription.
Card funding can cost more than bank funding, while the optional physical card costs NZ$14 before any applicable withdrawal charges.
These bank-payment quotes show the cheapest available funding method beside delivery, helping you judge the saving against the time your recipient needs.
OrbitRemit suits repeat sending once card funding is unlocked
Available on
iOS and Android
App store rating
4.8/5 (24k+ ratings)
Google play rating
4.4/5 (7k+ reviews)
OrbitRemit is my local specialist pick when you already have a verified profile and want saved recipients with live chat support.
The app follows the payment from creation to payout, with email updates and support available beside the transfer history.
Identity verification uses your document and selfie, which you can submit through the mobile account setup.
You fund the first transfer through the initial available bank route, because card payment opens only after the first successful transfer.
Later eligible New Zealand debit payments can use Apple Pay or Google Pay, making funding easier for repeat sending.
Bank funding has no additional loading fee, while POLi costs NZ$1.50 after its first-transfer exemption and card funding has a surcharge.
The transfer fee is waived from NZ$10,000, but the exchange-rate margin and any funding charge still affect the total cost.
My suggestion is to use rate alerts for a planned payment, while an urgent transfer needs the actual arrival estimate for the chosen recipient.
OrbitRemit is worth it
Find an alternative
Reuse a verified profile and saved recipients
You need card funding on your first transfer
Contact live chat beside transfer history
You want foreign balances and a travel card
Use later eligible debit-wallet funding
The recipient estimate misses your deadline
Western Union
Western Union can get cash ready without a foreign bank account
Available on
iOS and Android
App store rating
4.6/5 (6k+ ratings)
Google play rating
4.6/5 (7k+ reviews)
Western Union is my pick when cash collection is the receiving method and the recipient can reach an open collection location.
Cash can be available within minutes after funding and release, with identification and the MTCN reference needed for collection.
The New Zealand app saves recipients, imports contacts and scans card details, then keeps the tracking reference beside the payment.
You can fund through an eligible local bank-issued card, POLi, Apple Pay or Google Pay, using the options in your order.
You can also start the order on your phone and pay cash at an agent, although the funding visit adds time before release.
The online profile allows up to NZ$5,000 within three days, with higher transfers handled through the available agent service.
Western Union charges a transfer fee and earns through currency exchange, while a credit-card issuer can add cash-advance costs.
I suggest comparing the actual app quote for the selected payout rather than assuming a fee-free promotion applies to every payment.
Western Union is worth it
Find an alternative
Arrange collection without a recipient bank account
Your recipient cannot reach an open collection point
Keep the MTCN reference on your phone
You need to exceed the online profile limit
Start an order before paying cash at an agent
You mainly want foreign-currency card spending
Xe
Xe combines card-funded sending with rate alerts and tracking
Available on
iOS and Android
App store rating
4.8/5 (9k+ ratings)
Google play rating
4.5/5 (400k+ reviews)
Xe lets you create the recipient and transfer on your phone, then follow the payment through the Activity section.
You can save eligible card details for repeat payments and use rate alerts when your sending date is flexible.
Card payment is its fastest funding method, but bank delivery after receipt can still take one to three business days.
I suggest using the arrival estimate for the recipient rather than treating a successful card payment as an instant overseas deposit.
New Zealand debit-card payments have a combined NZ$10,000 daily limit and a maximum of five transactions in the day.
Supported cash collection is another receiving choice, with card funding, a recipient PIN and valid identification needed for that route.
The sending quote includes its fee and conversion rate, while card-issuer or receiving-bank charges can add to the cost.
The currency converter shows market information, which is different from the exchange rate applied to your payment.
Xe does not need a personal monthly subscription for an ordinary transfer, but its New Zealand multi-currency account terms cover businesses rather than this personal app choice.
Xe is worth it
Find an alternative
Reuse eligible card details for repeat payments
You need a personal multi-currency account
Keep rate alerts beside transfer status
You require guaranteed immediate bank credit
Choose a supported bank or cash route
Your card payment exceeds the daily allowance
WorldRemit
WorldRemit offers a higher POLi limit with several payout methods
Available on
iOS and Android
App store rating
4.7/5 (18k+ ratings)
Google play rating
4.4/5 (220k+ reviews)
WorldRemit lets you choose a supported bank, cash or mobile-money recipient, save their details and follow the order from your phone.
In my opinion, it is worth considering when that receiving partner offers a better fit than another app's bank-only payout.
New Zealand card funding is limited to NZ$6,000 per transaction and per 24 hours, while POLi allows NZ$50,000 on the same basis.
That higher funding limit can help a planned family payment, but it does not make a large recipient payout immediate.
New-document review can take 24 to 48 hours, so I suggest completing verification before depending on it for an emergency.
The order shows the receiving estimate, transfer fee and exchange rate, with timing determined by the selected country and payout partner.
There is no mandatory monthly account plan for ordinary sending, while card-issuer costs can add to a card-funded payment.
Airtime top-up is another function in the app, but it does not give your recipient spendable cash or bank funds.
WorldRemit is worth it
Find an alternative
Use a supported wallet or cash partner
You need an unverified first payment today
Fund above the card cap through POLi
You want a foreign-currency spending account
Reuse recipients and follow the order
You need an unsupported receiving method
OFX
OFX is an alternative when you can plan a larger bank payment
Available on
iOS and Android
App store rating
4.8/5 (610+ ratings)
Google play rating
4.4/5 (4k+ reviews)
OFX has a personal transfer app with saved recipients, rate information and status notifications for overseas bank payments.
In my opinion, it suits a planned larger payment when support and managing the order outweigh the need for immediate recipient funds.
You can schedule transfers and follow the funding and delivery stages, but New Zealand personal funding is through a bank account.
Debit cards, cash and cheques are not funding alternatives, making it less suitable when a card-funded route is needed today.
The minimum transfer is NZ$250, with a NZ$12 transfer fee below NZ$10,000 and no OFX transfer fee from that threshold.
Its exchange-rate margin and possible third-party bank deductions remain, so the waived fee does not make the conversion free.
The personal app does not require a business subscription, and its features should not be confused with the separate OFX Business app.
Bank delivery commonly takes 24 to 48 hours depending on the route and funding, rather than providing instant cash or wallet collection.
These NZD quotes show how the fee, exchange rate and delivery estimate compare with quicker-funded alternatives at the same sending amount.
An internal account payment can reach the recipient immediately, while an external bank transfer also needs conversion and the destination bank's crediting process.
Revolut-to-Revolut works inside one account system, which differs from paying a foreign bank through the same app.
For a Pacific recipient, available mobile money can avoid travelling to a cash outlet, while cash collection needs an open participating location.
My suggestion is to choose around when your recipient can spend the money, then use the matching estimate in the order.
Funding from a New Zealand bank
New Zealand bank payments operate every day, but SBI processing runs through settlement and interchange cycles rather than guaranteeing immediate interbank credit.
A payment leaving your account therefore does not mean the transfer company has received and released it at the same moment.
An available wallet balance avoids that funding wait, while card payment can shorten funding at an additional cost.
OrbitRemit's card eligibility starts after the first successful transfer, so it is a different option for a repeat sender than a new account.
Prepare your first transfer before an urgent deadline
Complete identity checks before relying on the app, with additional documents ready when a large or unusual transfer needs review.
WorldRemit new-document checks can take 24 to 48 hours, and a first transfer through another app can also need verification before release.
I suggest confirming the recipient's bank or wallet details in advance, particularly when a payment needs to arrive for an invoice or family emergency.
For a domestic NZD payment, your existing banking app may be enough, although bank processing differs from an immediate internal-wallet transfer.
When the app says sent but the recipient has nothing
Check the exact transfer status and arrival estimate before sending again, because a completed funding stage can precede final recipient credit.
Ask the recipient to check the selected account, wallet or collection location, then contact the sending app with the transfer reference.
Western Union uses the MTCN for tracing, while bank-payment apps keep the order reference and receipt in your activity history.
Keep those details until the payment is resolved, rather than create a second transfer solely because the first debit was immediate.
How to arrange a fast payment on your phone
Choose how the recipient uses the money
Select the bank, wallet, internal account or cash option that meets the recipient's need and is available on your route.
Finish verification and prepare funding
Complete identity checks and choose an available balance or eligible funding method, including any first-transfer restriction on card payment.
Compare the arrival estimate and cost
Check the recipient's delivery time beside the full fee and conversion, rather than use the funding confirmation as the arrival time.
Pay and keep the reference
Confirm the order, follow its status and retain the receipt until your recipient can use the transferred money.
Choose the receiving method, then use the comparison form to check an eligible quote and arrival estimate for your payment.
Compare transfers from New Zealand
Enter your destination and amount to compare available NZD transfer fees, exchange rates and recipient amounts.
Our methodology & why trust us
I selected these apps around mobile funding and recipient delivery, with planned bank-transfer alternatives where immediate payout is not available.
Our research checked current New Zealand app-store listings, official funding and verification rules, local entities and available NZD transfer results.
We may earn commission from some companies, but commercial agreements do not determine my selection or opinions.
Our review process explains how we assess transfer companies and their services.
Artiom is a marketing graduate from the University of Portsmouth and has been working across personal finance and remittance industries for several years. He optimises the organic experience on MoneyTransfers.com with the content team, manages and creates unique marketing tactics, and generally supports the overall growth of the website.
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