Xe is the best way to send money to Japan. Sending NZ$10,000 gets you 889,041.90 JPY on the other end.
| 6 of 6 providers Last updated on 10 November 2026 | |||
| Based on 10,000 NZD transfer Best companies for NZD/JPY transfers | |||
| Promoted  Wise Pay via Bank transfer | Fees: $35.91 1 NZD = 89.0166 JPY 0.00% vs mid-market | Recipient gets ¥886,969.00 Same day | |
Ways to receive money in Japan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $35.911 NZD = 89.0166 JPY ¥886,969.00You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 88.9042 JPY +0.13% vs mid-market | Recipient gets ¥889,041.90 6-12 Hours | |
Ways to receive money in Japan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 88.9042 JPY ¥889,041.90You pay$10,000.00 | |||
Run a live search Showing top New Zealand to Japan deals for 10,000 NZD. 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 NZD to JPY rates. | |||
Run a live search These companies offer multi-currency accounts for spending JPY. We suggest doing a live search based on how much NZD you're planning to spend in Japan. | |||
Run a live search These are managed services with real human support for large NZD transfers. Click the link and update the transfer amount to get the best deal. | |||
| Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 88.9042 JPY +0.13% vs mid-market | Recipient gets ¥889,041.90 6-12 Hours | |
Ways to receive money in Japan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 88.9042 JPY ¥889,041.90You pay$10,000.00 | |||
 TorFx Pay via Bank transfer | Fees: $0.00 1 NZD = 88.7523 JPY +0.30% vs mid-market | Recipient gets ¥887,523.44 6-12 Hours | |
Ways to receive money in Japan with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 88.7523 JPY ¥887,523.44You pay$10,000.00 | |||
| Wise Pay via Bank transfer | Fees: $35.91 1 NZD = 89.0166 JPY 0.00% vs mid-market | Recipient gets ¥886,969.00 Same day | |
Ways to receive money in Japan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $35.911 NZD = 89.0166 JPY ¥886,969.00You pay$10,000.00 | |||
 OFX Pay via Bank transfer | Fees: $0.00 1 NZD = 88.5743 JPY +0.50% vs mid-market | Recipient gets ¥885,743.05 6-12 Hours | |
Ways to receive money in Japan with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 88.5743 JPY ¥885,743.05You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fees: $42.10 1 NZD = 88.9314 JPY +0.10% vs mid-market | Recipient gets ¥885,569.00 Within 3 hours | |
Ways to receive money in Japan with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hours $42.101 NZD = 88.9314 JPY ¥885,569.00You pay$10,000.00 | |||
| 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. | |||
| Xe Pay via Debit card | Fees: $40.00 1 NZD = 88.9042 JPY +0.13% vs mid-market | Recipient gets ¥885,485.73 6-12 Hours | |
Ways to receive money in Japan with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 88.9042 JPY ¥885,485.73You pay$10,000.00 | |||
| Xe Pay via Credit card | Fees: $90.00 1 NZD = 88.9042 JPY +0.13% vs mid-market | Recipient gets ¥881,040.52 6-12 Hours | |
Ways to receive money in Japan with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 88.9042 JPY ¥881,040.52You pay$10,000.00 | |||
 Moneycorp Pay via Bank transfer | Fees: $0.00 1 NZD = 87.7731 JPY +1.40% vs mid-market | Recipient gets ¥877,731.30 Next Day | |
Ways to receive money in Japan with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 NZD = 87.7731 JPY ¥877,731.30You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 NZD = 89.0194 JPY Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Xe is the best option.
Xe was the cheapest on 8 of the 29 days it quoted NZ$10,000 transfers to Japan.
For recurring transfers, I'd suggest using an app or a multi-currency account like Xe.
For large transfers (NZ$10k+), a broker like Xe is usually the best option.
New Zealand has no instant payment rail, so plan for the money to leave your account slower than you'd expect.
How much you send will affect the best option for you right now, so I suggest .
You can pay for the transfer via bank transfer, debit card, and credit card.
Bank transfers settle in batches a few times a business day, so a Friday evening payment can sit until Monday.
If you and the money transfer company use the same bank, it'll usually settle in seconds.
For your first transfer you'll need a photo ID and proof of address.
Nothing checks the recipient's name against the account number on an international transfer, so make sure to double check it.
How much NZD you send to Japan 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 Xe was the cheapest in 17% of the transfers from NZ$10,000 it quoted, and in 20% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | 0.18% | $2.10 | ¥88,732.00with bank transfer to bank deposit | +¥1,288.44 | |
| $5,000 | 0.14% | $0.00 | ¥444,755.55with bank transfer to bank deposit | +¥4,362.19 | |
| $10,000This page | 0.13% | $0.00 | ¥889,041.90with bank transfer to bank deposit | +¥4,153.91 | |
| $50,000 | 0.12% | $0.00 | ¥4,451,223.50with bank transfer to bank deposit | +¥16,578.72 | |
| $250,000 | 0.15% | $0.00 | ¥22,227,934.51with bank transfer to bank deposit | +¥65,912.30 |
Mid-market rate: 1 NZD = 89.0194 JPY
The cheapest way to send NZD to JPY 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 Xe), across 30 days of comparisons for 10,000 NZD transfers to Japan.
Tue, 10 Nov 2026Mid-market rate¥890,194.02 Xe ¥889,041.90Xe¥889,041.90TorFx¥887,523.44Wise¥886,969.00
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.7680 | – | ¥887,679.85 | |
| | 88.5017 | $0.00 | ¥885,016.81 | −¥2,663.04 |
| | 88.7683 | $35.91 | ¥884,495.00 | −¥3,184.85 |
| | 87.7656 | $0.00 | ¥877,655.50 | −¥10,024.35 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.5354 | – | ¥885,354.09 | |
| | 88.2698 | $0.00 | ¥882,698.03 | −¥2,656.06 |
| | 88.5330 | $35.91 | ¥882,151.00 | −¥3,203.09 |
| | 87.6058 | $0.00 | ¥876,058.10 | −¥9,295.99 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.0218 | – | ¥890,218.05 | |
| | 88.7547 | $0.00 | ¥887,547.40 | −¥2,670.65 |
| | 89.0223 | $35.91 | ¥887,026.00 | −¥3,192.05 |
| | 88.0069 | $0.00 | ¥880,069.10 | −¥10,148.95 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.5803 | – | ¥885,803.26 | |
| | 88.3146 | $0.00 | ¥883,145.85 | −¥2,657.41 |
| | 88.5786 | $35.91 | ¥882,605.00 | −¥3,198.26 |
| | 87.6345 | $0.00 | ¥876,344.50 | −¥9,458.76 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.4855 | – | ¥894,854.62 | |
| | 89.2170 | $0.00 | ¥892,170.06 | −¥2,684.56 |
| | 89.4878 | $35.91 | ¥891,664.00 | −¥3,190.62 |
| | 88.4525 | $0.00 | ¥884,524.80 | −¥10,329.82 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.4128 | – | ¥894,127.93 | |
| | 89.1446 | $0.00 | ¥891,445.55 | −¥2,682.38 |
| | 89.3541 | $35.91 | ¥890,332.00 | −¥3,795.93 |
| | 87.1338 | $0.00 | ¥871,337.70 | −¥22,790.23 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.4128 | – | ¥894,127.93 | |
| | 89.1446 | $0.00 | ¥891,445.55 | −¥2,682.38 |
| | 89.3541 | $35.91 | ¥890,332.00 | −¥3,795.93 |
| | 87.1416 | $0.00 | ¥871,415.60 | −¥22,712.33 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.4779 | – | ¥894,778.83 | |
| | 89.2094 | $0.00 | ¥892,094.49 | −¥2,684.34 |
| | 89.4795 | $35.91 | ¥891,582.00 | −¥3,196.83 |
| | 88.4492 | $0.00 | ¥884,492.30 | −¥10,286.53 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.9167 | – | ¥899,167.12 | |
| | 89.6470 | $0.00 | ¥896,469.62 | −¥2,697.50 |
| | 89.9200 | $35.91 | ¥895,971.00 | −¥3,196.12 |
| | 88.9316 | $0.00 | ¥889,315.50 | −¥9,851.62 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.9348 | – | ¥899,348.35 | |
| | 89.6650 | $0.00 | ¥896,650.30 | −¥2,698.05 |
| | 89.9330 | $35.91 | ¥896,101.00 | −¥3,247.35 |
| | 88.9114 | $0.00 | ¥889,113.90 | −¥10,234.45 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.5070 | – | ¥895,070.17 | |
| | 89.2385 | $0.00 | ¥892,384.96 | −¥2,685.21 |
| | 89.5030 | $35.91 | ¥891,816.00 | −¥3,254.17 |
| | 88.5041 | $0.00 | ¥885,041.20 | −¥10,028.97 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.3472 | – | ¥893,471.83 | |
| | 89.0791 | $0.00 | ¥890,791.41 | −¥2,680.42 |
| | 89.3422 | $35.91 | ¥890,214.00 | −¥3,257.83 |
| | 88.3527 | $0.00 | ¥883,527.00 | −¥9,944.83 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.5908 | – | ¥895,907.92 | |
| | 89.3220 | $0.00 | ¥893,220.20 | −¥2,687.72 |
| | 89.4409 | $35.91 | ¥891,197.00 | −¥4,710.92 |
| | 87.2318 | $0.00 | ¥872,317.80 | −¥23,590.12 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.5908 | – | ¥895,907.92 | |
| | 89.3220 | $0.00 | ¥893,220.20 | −¥2,687.72 |
| | 89.4409 | $35.91 | ¥891,197.00 | −¥4,710.92 |
| | 87.1766 | $0.00 | ¥871,765.60 | −¥24,142.32 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.4046 | – | ¥894,046.27 | |
| | 89.1364 | $0.00 | ¥891,364.13 | −¥2,682.14 |
| | 89.4040 | $35.91 | ¥890,830.00 | −¥3,216.27 |
| | 88.3960 | $0.00 | ¥883,960.30 | −¥10,085.97 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.8275 | – | ¥898,275.20 | |
| | 89.5580 | $0.00 | ¥895,580.37 | −¥2,694.83 |
| | 89.8112 | $35.91 | ¥894,887.00 | −¥3,388.20 |
| | 88.8194 | $0.00 | ¥888,194.10 | −¥10,081.10 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.6191 | – | ¥886,190.55 | |
| | 88.3532 | $0.00 | ¥883,531.98 | −¥2,658.57 |
| | 88.6107 | $35.91 | ¥882,925.00 | −¥3,265.55 |
| | 87.6198 | $0.00 | ¥876,198.20 | −¥9,992.35 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.7000 | – | ¥887,000.11 | |
| | 88.4339 | $0.00 | ¥884,339.11 | −¥2,661.00 |
| | 88.6930 | $35.91 | ¥883,745.00 | −¥3,255.11 |
| | 87.7212 | $0.00 | ¥877,212.30 | −¥9,787.81 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.7117 | – | ¥887,117.48 | |
| | 88.6050 | $0.00 | ¥886,050.20 | −¥1,067.28 |
| | 88.4456 | $0.00 | ¥884,456.13 | −¥2,661.35 |
| | 88.7079 | $35.91 | ¥883,893.00 | −¥3,224.48 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 88.7282 | $35.91 | ¥884,096.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.8967 | – | ¥888,967.40 | |
| | 88.6300 | $0.00 | ¥886,300.50 | −¥2,666.90 |
| | 88.7282 | $35.91 | ¥884,096.00 | −¥4,871.40 |
| | 87.4669 | $0.00 | ¥874,669.30 | −¥14,298.10 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.6900 | – | ¥886,899.81 | |
| | 88.5416 | $0.00 | ¥885,415.90 | −¥1,483.91 |
| | 88.4239 | $0.00 | ¥884,239.11 | −¥2,660.70 |
| | 88.6780 | $35.91 | ¥883,596.00 | −¥3,303.81 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.8109 | – | ¥888,109.29 | |
| | 88.6682 | $0.00 | ¥886,682.00 | −¥1,427.29 |
| | 88.5445 | $0.00 | ¥885,444.96 | −¥2,664.33 |
| | 88.8115 | $35.91 | ¥884,926.00 | −¥3,183.29 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.8976 | – | ¥888,976.03 | |
| | 88.7436 | $0.00 | ¥887,436.30 | −¥1,539.73 |
| | 88.6309 | $0.00 | ¥886,309.10 | −¥2,666.93 |
| | 88.8889 | $35.91 | ¥885,697.00 | −¥3,279.03 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.2036 | – | ¥892,036.26 | |
| | 89.0851 | $0.00 | ¥890,850.70 | −¥1,185.56 |
| | 88.9360 | $0.00 | ¥889,360.15 | −¥2,676.11 |
| | 89.2045 | $35.91 | ¥888,842.00 | −¥3,194.26 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 87.7059 | – | ¥877,058.67 | |
| | 87.5892 | $0.00 | ¥875,892.20 | −¥1,166.47 |
| | 87.4427 | $0.00 | ¥874,427.49 | −¥2,631.18 |
| | 87.7047 | $35.91 | ¥873,898.00 | −¥3,160.67 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 87.9069 | – | ¥879,068.69 | |
| | 87.6431 | $0.00 | ¥876,431.48 | −¥2,637.21 |
| | 87.9009 | $35.91 | ¥875,852.00 | −¥3,216.69 |
| | 86.5751 | $0.00 | ¥865,751.50 | −¥13,317.19 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 87.6921 | – | ¥876,921.45 | |
| | 87.9009 | $35.91 | ¥875,852.00 | −¥1,069.45 |
| | 87.4291 | $0.00 | ¥874,290.69 | −¥2,630.76 |
| | 86.5564 | $0.00 | ¥865,563.60 | −¥11,357.85 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 88.4513 | – | ¥884,513.38 | |
| | 88.3349 | $0.00 | ¥883,349.10 | −¥1,164.28 |
| | 88.1860 | $0.00 | ¥881,859.84 | −¥2,653.54 |
| | 88.4453 | $35.91 | ¥881,277.00 | −¥3,236.38 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 89.0194 | – | ¥890,194.02 | |
| | 88.9042 | $0.00 | ¥889,041.90 | −¥1,152.12 |
| | 88.7523 | $0.00 | ¥887,523.44 | −¥2,670.58 |
| | 89.0166 | $35.91 | ¥886,969.00 | −¥3,225.02 |
| Exchange rate | Fees: | Recipient gets | Difference |
|---|
| Mid-market rate | 89.0194 | – | ¥890,194.02 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 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 JPY per NZD 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 JPY on every transfer from New Zealand.
Right now, Xe pays 889,041.90 JPY on 10,000 NZD, which is 1,152.12 JPY less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 896,650.30 JPY.
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 Japan.
We've tracked 147 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.
Cheapest in 54% of them
Cheapest in 5% of them
Cheapest in 14% of them
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest in 20% of them
Cheapest in 24% of them
Cheapest in 19% of them
Based on 147 comparisons across 5 amounts over the last 30 days.
Cheapest in 13% of them
Cheapest in 53% of them
Cheapest in 14% of them
Based on 225 comparisons across 5 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 Xe is the cheapest and gets you the most JPY, but it was the cheapest in only 20% of the 110 comparisons it appeared in over the past month.
TorFx (today's second cheapest) was the cheapest in only 24% of its comparisons, so it's rarely the cheapest option for transfers to Japan.
If it's a one-off transfer, go with Xe, since it's the cheapest right now.
6 companies cover NZD/JPY transfers, between them you can send money via online, app, currency broker, global business account, and multi-currency account, and more.
Cheapest way to send NZD
The gap between the cheapest and most expensive way to send money from New Zealand is among the widest in the world, and money transfer companies and apps are usually the cheapest.
Xe charges NZ$0 and 0.13% markup on a NZ$10,000 transfer.
This will get you 889,041.90 JPY and it will arrive in 6-12 hours.
In our comparisons over the past month, it was the cheapest online service on 8 of the 29 days it quoted.
Best support options
For house purchase abroad, an inheritance or a pension transfer, a broker like Xe charges no fee and adds 0.13% margin, with a real person on the phone dealing with everything end to end.
Our analysis shows Xe was the cheapest broker in 17% of the transfers from NZ$10,000 it quoted.
Also, you can send a small NZD/JPY transfer first to get the feel of the process before sending the rest.
I suggest getting a few quotes from brokers and seeing who's the cheapest.
Living across two countries
If you live between two countries, income in one, mortgage or family in the other, a multi-currency account holds both currencies and converts when you choose.
Wise converts NZ$10,000 at 0% markup and holds the JPY until you spend it.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
It’s also great for travelling to Japan and spending it there.
For business payments from NZ
Companies like Wise Business, OFX, or Revolut Business handle business payments, recurring and batch payments, invoicing, and more.
Great for paying suppliers, contractors or staff in Japan, or getting paid in JPY.
With Xe, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending NZ$10,000 gives your recipient 889,041.90 JPY.
Pay in NZD by bank transfer, debit card, and credit card.
New Zealand bank payments still run in processing cycles, so allow time for the company to receive the payment before it can process the transfer to Japan.
The recipient in Japan can use bank deposit.
To send money directly to bank account or card, enter the recipient's bank details, account number and account-holder name.
You pay NZ$10,000.00
¥889,042
Cheapest
You pay NZ$10,000.00
¥885,486
-¥3,556
You pay NZ$10,000.00
¥881,041
-¥8,001
Here are a few things to know about money transfers from New Zealand to Japan.
For a NZ$10,000 transfer to Japan, these are the current best options you have.
Cheapest
Xe is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 889,041.90 JPY, which is 0.17% more than the next best option.
Fastest
Revolut delivers 885,569 JPY in same day when you pay by bank transfer and the recipient uses bank deposit.
New Zealand reporting entities must report international wire transfers of NZ$1,000 or more to the Financial Intelligence Unit.
It does not mean you need permission or cannot send more than NZ$1,000.
The New Zealand Police guidance on prescribed transactions explains the reporting threshold.
Keep evidence showing where the money came from, particularly for a property sale, inheritance or transfer between your own accounts.
New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending JPY.
Debit-card funding may be confirmed sooner, although it can cost more.
New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in Japan.
Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.
New Zealand's Depositor Compensation Scheme covers eligible deposits at licensed deposit takers.
It does not cover money after it has been sent to a non-bank transfer company.
The Reserve Bank explains the scheme's scope in a bit more detail.
Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.
That covers 6 registered financial service providers sending NZD to Japan, updated in real time on live searches and compared on rates, fees, speed and the ways to pay and collect.
In the past 30 days alone, we analysed 147 comparisons across 5 amounts.
This page covers the cheapest and fastest options for NZD/JPY 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.
Each goes through our review. Learn more:
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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