Ways to Send Money Online Instantly from New Zealand in 2026

Fast services for sending money abroad from New Zealand

Pacific wallet payments from your prepared account

7.1

OrbitRemit

general.fees

None

general.exchangeRateMarkup

0.7% - 2%

general.transferSpeed

Minutes - 3 days

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Overseas bank payments from your available currency

9.2

Wise

general.fees

0.1% - 2.6%

general.exchangeRateMarkup

0%

general.transferSpeed

Minutes - 24 hours

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"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."

Eligible debit-funded Express delivery

8.2

Remitly

general.fees

None

general.exchangeRateMarkup

0.1% - 1.3%

general.transferSpeed

Minutes - 3 days

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"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Immediate payments to another user or eligible recipient card

8.8

Revolut

general.fees

0.3% - 1%

general.exchangeRateMarkup

0.1% - 0.6%

general.transferSpeed

Minutes - 5 days

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"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.

Cash at an accessible overseas agent

8.1

Western Union

general.fees

None

general.exchangeRateMarkup

0.2% - 1.5%

general.transferSpeed

1 - 5 days

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OrbitRemit

Send to a Pacific wallet from your prepared NZ account

Eligible OrbitRemit payments to Pacific and Philippine wallets often arrive instantly or within minutes.

I think it is worth comparing for a recipient already using a wallet, especially when your NZ sending account has completed its first transfer.

Your first NZ transfer must be funded by bank, with eligible debit-card payments available after that successful transfer.

Repeat senders can use accepted NZ Visa or Mastercard debit cards, including the available Apple Pay or Google Pay flow.

Bank funding and POLi remain options, with the actual funding receipt separate from overseas wallet credit.

POLi has a NZ$1.50 funding charge after the first-transfer exemption, while card surcharges appear before payment.

The recipient's wallet name and linked mobile number need to match, with enough account capacity for the amount.

Wise

Use an existing balance for a foreign bank payment

Wise accepts NZD from a New Zealand bank, eligible card, POLi or your existing Wise balance.

I'd say use money already available in Wise for a bank recipient, avoiding the external funding stage that can take zero to two working days.

Conversion can take up to two working days, followed by the receiving currency's payout time.

A balance already held in the recipient's currency removes the need for a new conversion as well as external funding.

For NZD funding, card payments are limited to NZ$3,000 and POLi to NZ$5,000, with bank limits also applying.

You cannot fund NZD through SWIFT, so follow the local payment instructions for the transfer.

The table compares bank-payment delivery time and recipient amount across the supported currencies.

Remitly

Pay for Express delivery with an eligible debit card

Remitly offers NZ-origin sending to foreign banks, cash partners and mobile wallets, with Express available for eligible payments.

I suggest comparing the Express option for an urgent bank or wallet recipient when you can pay using an accepted debit card.

NZ Apple Pay funding accepts Visa or Mastercard debit cards, with Express selected when the payment flow prompts you.

Credit cards, American Express and Discover are excluded from that Apple Pay route, even though direct-card options can differ.

For Fiji, Remitly offers bank deposits, cash collection and M-Paisa, letting you choose how the recipient receives the money.

The selected payout partner, amount and checks determine the complete delivery time, rather than the speed of the card authorisation alone.

Compare bank-transfer recipient amounts and delivery times for the same NZD budget below.

Revolut

Pay a friend who already keeps money in Revolut

You can pay another Revolut account immediately, which works well when you both already use the service.

I'd say send from an available balance for that internal payment, removing the wait for a new deposit.

Recipient-card payments use card networks and should arrive within 30 minutes, with the actual card and destination checked before sending.

This is money sent to the recipient's card, separate from topping up your own account with a card.

SWIFT bank transfers can take up to five business days, while other payment networks follow their own timing.

NZ-issued debit or prepaid top-ups are free under Standard terms, while credit-card, exchange and international-transfer charges can apply.

Revolut is currently a non-bank financial service provider registered in New Zealand.

Compare bank-transfer delivery time and recipient amount for NZ$1,000 and NZ$5,000 below.

Western Union New Zealand

Make cash available at a convenient overseas agent

Eligible Western Union cash payments can be ready within minutes after funding and release, providing an option for a recipient without a bank account.

I suggest considering it when the person can reach an open agent and has the identification needed to collect.

NZ sending accepts the available local bank-issued card, POLi or app-started cash payment, with Apple Pay and Google Pay also offered in the app.

Match the recipient's name to their identification and share the tracking number before collection.

Compare the transfer fee and exchange pricing, with any credit-card issuer cash-advance charge included if you use that funding method.

How to fund your transfer quickly

Start with money already available in the sending account when possible, then compare eligible debit funding with the local bank option.

New Zealand banks process ordinary electronic payments every day, but that does not make every provider deposit immediately available.

For a first OrbitRemit payment, allow for bank funding instead of relying on a debit option that is not yet available.

POLi connects a local bank payment, with its acceptance, limit and fee depending on the sending service.

Choose how the recipient receives the money

Bank accounts

A bank deposit suits someone who wants to use an existing account, with the local receiving network and currency affecting credit time.

For sending money from New Zealand to Australia, enter the correct BSB and account details and compare the complete AUD payout.

Wise's AUD guide gives zero to two working days after receipt and conversion, so a fast NZD funding method alone does not guarantee immediate Australian credit.

Recipient cards and internal accounts

Recipient-card delivery lets someone use an accepted existing card, while an internal payment needs an account with the same service.

Revolut offers both options, making the recipient's existing setup useful when choosing between them.

If they later need to withdraw or move the balance into a bank, include that step in the deadline.

Mobile wallets

A mobile wallet can provide a spendable local balance without a branch visit, with the registered account and receiving limit checked before sending.

Eligible OrbitRemit wallet payments often arrive instantly or within minutes, with the wallet selected for the actual destination.

Match the mobile number and account name, then include cash-out costs if the recipient needs physical money.

Cash collection

Cash collection suits a recipient who needs physical money, with agent opening hours and travel affecting when it can be collected.

Western Union and Remitly provide available overseas collection routes, with the exact location selected before sending.

Give the recipient the required reference and collection details once the payment is released.

Avoid delays before an urgent payment

Sending money within New Zealand

Domestic electronic payments operate every day through New Zealand's settlement system, including weekends and public holidays.

They run through repeated interchange and settlement cycles, so check your bank's sending and receiving schedule for the actual account payment.

An existing local-bank transfer may be enough for someone in New Zealand, without setting up an international remittance.

Compare the cost of meeting your deadline

Compare recipient amounts for NZ$1,000, then choose a delivery time and receiving method that meet your deadline.

Last updated at 16/10/2026

NZD AUD

Mid Market Rate $1 = $0.8139

Transfer Amount $1,000

1

Revolut

2

Remitly

3

Wise

Currency pair

They get (after fees)

Delivery time

NZD / AUD

$812.13

Within a week

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NZD / AUD

$811.50

Within minutes

Visit

NZD / AUD

$810.64

Within a week

Visit

NZD GBP

Mid Market Rate $1 = £0.4249

Transfer Amount $1,000

1

Revolut

2

Wise

3

Currencies Direct

Currency pair

They get (after fees)

Delivery time

NZD / GBP

£423.75

Within minutes

Visit

NZD / GBP

£423.13

Within a week

Visit

NZD / GBP

£422.70

6-12 Hours

Visit

NZD INR

Mid Market Rate $1 = ₹53.6928

Transfer Amount $1,000

1

Remitly

2

Revolut

3

Wise

Currency pair

They get (after fees)

Delivery time

NZD / INR

₹55,070.00

Within a week

Visit

NZD / INR

₹53,466.35

Within minutes

Visit

NZD / INR

₹53,420.44

Within a week

Visit

NZD PHP

Mid Market Rate $1 = ₱35.5835

Transfer Amount $1,000

1

Remitly

2

Revolut

3

Wise

Currency pair

They get (after fees)

Delivery time

NZD / PHP

₱36,430.00

Within a week

Visit

NZD / PHP

₱35,414.92

Within minutes

Visit

NZD / PHP

₱35,380.20

Within a week

Visit

A card funding surcharge, credit-card cash advance, exchange charge or wallet withdrawal can change the best usable price.

For a more flexible deadline, compare the cheapest ways to send money abroad from New Zealand alongside these faster options.

Check the available transfer rates before choosing a receiving method that puts the money where your recipient needs it on time.