How to send money to Belgium from New Zealand with the best NZD-EUR rate

Comparing providers offering services between New Zealand and Belgium based on your specific transfer amount, is the easiest way to get the best price on your transfer.

Right now, these are your best options for sending money from New Zealand to Belgium

• Wise scored the highest of the 13 money transfer companies supporting NZD to EUR transfers. For example, sending 12,475 NZD to EUR will cost you $30.68 in fees, and the recipient will get 6,593.56 EUR. The delivery time is within a week.

• The cheapest option is Revolut. Our data shows, over the past week, that Revolut is 0.05% than the second-best option when sending via a bank transfer. This includes a fee of 0 NZD and a NZD-EUR exchange rates.

• Fastest money transfers to Belgium from New Zealand is with Regency FX. Right now, if you send $12,475 with Regency FX to Belgium, the transfer time is 6-12 hours. When sending money from New Zealand to Belgium, Regency FX has a fee of 0 NZD. Although we would recommend comparing the amount you want to send.

We cover the entire NZD-EUR market and have compared 13 providers offering services between New Zealand and Belgium.

This ensures you will get the most comprehensive options for sending New Zealand Dollar to Belgium.

Whilst we rate Wise as the best overall for transfers between the two countries, comparing gives you the best idea for your specific New Zealand to Belgium transfer needs.

The exchange rate determines the price you will pay when buying Euro in New Zealand. A better exchange rate means more New Zealand Dollars being sent to Belgium.

The current rate between the New Zealand Dollar and Euro is 0.5093.

The total cost of money transfers to Belgium from New Zealand, is a combination of exchange rates and fees. Sending with a company that can offer a good competitive rate and low (or no) fees is the best way to get a good deal.

• The Mid-Market and Exchange Rates: The current mid-market for NZD-EUR is 0.5093 EUR per New Zealand Dollar.

• Fees: Some money transfers between New Zealand and Belgium will be subject to fees. Although you should search for your send amount for actual fees as your scenario may be different.

• Amount Received: Money transfer companies will show you the amount of Euro eventually received in Belgium.

A safer option if you want to get a particular rate is to use a forward contract, especially for large New Zealand Dollar transfers to Belgium. This allows you to lock in an agreed exchange rate between New Zealand and Belgium.

Sending via a bank transfer is the payment method that will get you the best price on a transfer from New Zealand to Belgium.

Here are all the ways to fund your transfer:

Bank transfer

Bank transfers are often the best and easier way to send money from New Zealand to Belgium.

By using a money transfer company such as Revolut for transfers from New Zealand to Belgium, you can send money via a bank transfer and benefit from lower fees and more favorable exchange rates than would be offered by a bank. 


Debit and prepaid cards

Sending money from New Zealand to Belgium with a debit or a prepaid card is easy with Xe.


Xe is a leading money transfer company for debit card payments, and offers transfers from New Zealand to Belgium.

Credit cards

When it comes to sending money with a credit card from New Zealand to Belgium, it can get very expensive very quickly due to additional fees.

We recommend sticking to bank transfers or debit card deposits, but if you have to, run a quick comparison to find the right money transfer company that offers credit card deposits.

Companies offering money transfers between New Zealand and Belgium will have minimum or maximum thresholds on how much you can send or receive across set timeframes.

Exchange rates and fees for different transfer amounts could change and sending regularly could mean losing out.

That’s why it’s best to compare NZD-EUR rates for your specific transfer amount.

For regular transfers to Belgium to New Zealand, shopping around each time can make a huge difference.

For sending large amounts of NZD to Belgium without hitting a threshold, we’d recommended Wise. They offer a combination of rates and fees when sending from New Zealand to Belgium that is the most competitive, even at larger amounts.

Be sure to check with the recipient and understand any declarations needed on large amounts of money entering Belgium from New Zealand.

Options for receiving Euro in Belgium include direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account.

Not all of the 13 providers offering transfers from New Zealand to Belgium will support every method for incoming Euro, so it’s best to check ahead of time.

The most common option is to send directly from New Zealand to a bank account in Belgium. For most part, this is convenient but does have receiving fees to potentially be aware of.

Wise is the best company for bank transfers between New Zealand and Belgium.

Cash pickup is popular in some parts of Belgium, but not always supported and can be costly compared to cheaper options.

Mobile wallet or P2P services and payment apps like PayPal, Xoom, and CashApp are popular because of convenience, but they come with more limitations and higher costs compared to money transfer providers like Regency FX.

When sending Euros to Belgium, through a money transfer company, you will need to verify your ID when signing up.

The documents you need can vary and in some cases you might need a couple of options.

Generally, government issued ID such as a passport or driver's license are accepted in New Zealand. If the recipient needs an ID to collect money in Belgium, the same applies there. You may also be able use other ID formats, where these aren’t available.

Large transactions between New Zealand and Belgium can be subject to additional checks such as proof of funds for anti-money laundering purposes. This may also require additional ID checks.

One of the reasons Wise as scored so highly for transfers to Belgium is their easy sign up process in New Zealand.

As well as proof of funds, when sending large amounts of money between New Zealand and Belgium there will be tax declarations to consider. This is also potentially due to regular transactions.

Some transfers into Euro may need to be reported to tax authorities in Belgium and New Zealand, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances do change in Belgium based on age, income and a few other elements. Everyone’s tax obligations are unique - when in doubt, please contact a tax professional in New Zealand or Belgium.