Best companies for NZD/NPR transfers
4 of 4 providers Last updated on 10 November 2026
Based on 10,000 NZD transfer Best companies for NZD/NPR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fees: $143.53 1 NZD = 84.6837 NPR -0.33% vs mid-market	Recipient gets Rs 834,682.00 Within 3 hours
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Nepal with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $143.531 NZD = 84.6837 NPR Rs 834,682.00You pay$10,000.00
Promoted Xe Pay via Bank transfer	Fees: $0.00 1 NZD = 83.9735 NPR +0.51% vs mid-market	Recipient gets Rs 839,735.00 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Nepal with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 83.9735 NPR Rs 839,735.00You pay$10,000.00
Run a live search Showing top New Zealand to Nepal 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 NPR rates.
Run a live search These companies offer multi-currency accounts for spending NPR. We suggest doing a live search based on how much NZD you're planning to spend in Nepal.
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.
OrbitRemit Pay via Bank transfer	Fees: $0.00 1 NZD = 84.2380 NPR +0.19% vs mid-market	Recipient gets Rs 842,379.70 2 Days
0 reviews Cheapest
Ways to receive money in Nepal with OrbitRemit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 NZD = 84.2380 NPR Rs 842,379.70You pay$10,000.00 Cash pickup2 Days Free1 NZD = 84.2380 NPR Rs 842,379.70You pay$10,000.00 Mobile wallet2 Days Free1 NZD = 84.2380 NPR Rs 842,379.70You pay$10,000.00
Xe Pay via Bank transfer	Fees: $0.00 1 NZD = 83.9735 NPR +0.51% vs mid-market	Recipient gets Rs 839,735.00 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Nepal with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 83.9735 NPR Rs 839,735.00You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fees: $41.75 1 NZD = 84.2785 NPR +0.15% vs mid-market	Recipient gets Rs 839,266.06 Within minutes
10 reviews Fastest Receive to bank account
Ways to receive money in Nepal with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $41.751 NZD = 84.2785 NPR Rs 839,266.06You 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 = 83.9735 NPR +0.51% vs mid-market	Recipient gets Rs 836,376.06 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Nepal with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 83.9735 NPR Rs 836,376.06You pay$10,000.00
Wise Pay via Bank transfer	Fees: $143.53 1 NZD = 84.6837 NPR -0.33% vs mid-market	Recipient gets Rs 834,682.00 Within 3 hours
25 reviews Our top pick Receive to bank accountDedicated support for large transfers
Ways to receive money in Nepal with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $143.531 NZD = 84.6837 NPR Rs 834,682.00You pay$10,000.00
Xe Pay via Credit card	Fees: $90.00 1 NZD = 83.9735 NPR +0.51% vs mid-market	Recipient gets Rs 832,177.39 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Nepal with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 83.9735 NPR Rs 832,177.39You pay$10,000.00
How Our Results Work Mid-market rate: 1 NZD = 84.4019 NPR Updates every 60 minutes.

Why compare

NZD/NPR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from New Zealand to Nepal

Pick a company

If you're sending a one-off transfer, then OrbitRemit is the best option.

OrbitRemit was the cheapest on 14 of the 19 days it quoted NZ$10,000 transfers to Nepal.

For recurring transfers, I'd suggest using an app or a multi-currency account like OrbitRemit.

For large transfers (NZ$10k+), a broker like Xe is usually the best option.

If your recipient needs cash, is the cheapest.

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 .

Fund your transfer

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.

Verify and send

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.

Compare amounts

How much NZD are you sending to Nepal?

How much NZD you send to Nepal 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 OrbitRemit was the cheapest in 65% of the transfers from NZ$10,000 it quoted, and in 57% of all the transfers it quoted.


$1,000	-1.14%	$0.00	Rs 85,420.00with debit card to bank deposit	+Rs 1,907.19
$5,000	0.31%	$0.00	Rs 421,189.85with bank transfer to bank deposit	+Rs 2,042.36
$10,000This page	0.19%	$0.00	Rs 842,379.70with bank transfer to bank deposit	+Rs 4,943.67
$50,000	0.25%	$0.00	Rs 4,214,117.05with bank transfer to bank deposit	+Rs 19,701.57
$250,000	0.20%	$0.00	Rs 21,065,399.77with bank transfer to bank deposit	+Rs 98,030.11

Mid-market rate: 1 NZD = 84.4019 NPR

NZD/NPR Exchange Rate History

Is today a good time to send money from New Zealand to Nepal?

The cheapest way to send NZD to NPR 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 OrbitRemit), across 30 days of comparisons for 10,000 NZD transfers to Nepal.

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 NPR per NZD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 10 of the last 30 days.

Right now, OrbitRemit pays 842,379.70 NPR on 10,000 NZD, which is 1,639.59 NPR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 880,166.80 NPR.

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.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Nepal.

We've tracked 147 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

OrbitRemitAppeared in 88 comparisons
Cheapest in 57% of them
XeAppeared in 114 comparisons
Cheapest in 16% of them
RevolutAppeared in 135 comparisons
Cheapest in 6% of them

Based on 147 comparisons across 5 amounts over the last 30 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 OrbitRemit is the cheapest and gets you the most NPR, and it was also the cheapest in 57% of the 88 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Nepal.

Xe (today's second cheapest) was the cheapest in only 16% of its comparisons, so it's rarely the cheapest option for transfers to Nepal.

Ways to send money from New Zealand to Nepal

4 companies cover NZD/NPR transfers, between them you can send money via app, online, multi-currency account, global business account, and currency broker, and more.

Cheapest way to send NZD

Online money transfers

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.

OrbitRemit charges NZ$0 and 0.19% markup on a NZ$10,000 transfer.

This will get you 842,379.70 NPR and it will arrive in 2 days.

In our comparisons over the past month, it was the cheapest online service on 14 of the 19 days it quoted.

Where available, you can send NZD straight to a mobile wallet with no bank account needed on the other end, and it will usually arrive in minutes.

You can use our filters above to find the best app offering mobile wallet delivery.

Best support options

Currency brokers

For house purchase abroad, an inheritance or a pension transfer, a broker like Xe charges no fee and adds 0.51% margin, with a real person on the phone dealing with everything end to end.

Our analysis shows Xe was the cheapest broker in 40% of the transfers from NZ$10,000 it quoted.

Also, you can send a small NZD/NPR 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

Multi-currency accounts

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.

Revolut converts NZ$10,000 at 0.15% markup and holds the NPR until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 69% of days.

It’s also great for travelling to Nepal and spending it there.

For business payments from NZ

Global accounts

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 Nepal, or getting paid in NPR.

Ways to fund NZD and receive NPR in Nepal

With OrbitRemit, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending NZ$10,000 gives your recipient 842,379.70 NPR.

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 Nepal.

The recipient in Nepal can use bank deposit, cash pickup, and mobile wallet.

To send money directly to bank account or card, enter the recipient's bank details, account number and account-holder name.

For cash collection, the recipient needs a valid ID and the transfer reference.

1

Bank transfer Bank deposit

You pay NZ$10,000.00

NRs842,380

Cheapest
2

Bank transfer Cash pickup

You pay NZ$10,000.00

NRs842,380

NRs0
3

Bank transfer Mobile wallet

You pay NZ$10,000.00

NRs842,380

NRs0
4

Debit card Bank deposit

You pay NZ$10,000.00

NRs836,376

-NRs6,004
5

Credit card Bank deposit

You pay NZ$10,000.00

NRs832,177

-NRs10,202

What to consider when sending NZD to Nepal

Here are a few things to know about money transfers from New Zealand to Nepal.

Compare NZD/NPR transfer options

For a NZ$10,000 transfer to Nepal, these are the current best options you have.

Cheapest

OrbitRemit is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 842,379.70 NPR, which is 0.31% more than the next best option.

Fastest

Revolut delivers 839,266.06 NPR in within minutes when you pay by bank transfer and the recipient uses bank deposit.

A NZ$1,000 report

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.

Bank funding is not always instant

New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending NPR.

Debit-card funding may be confirmed sooner, although it can cost more.

Gifts are not taxed in New Zealand

New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in Nepal.

Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.

Transfer protection from New Zealand

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.

How we analyse the market

Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.

That covers 4 registered financial service providers sending NZD to Nepal, 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/NPR 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.

Send money from New Zealand

Send money to Nepal

Mon, 12 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.6116	–	Rs 866,115.95
OrbitRemit Cheapest	88.0167	$0.00	Rs 880,166.80	+Rs 14,050.85
Xe	85.3637	$0.00	Rs 853,637.00	−Rs 12,478.95
Revolut	85.4524	$41.75	Rs 850,956.53	−Rs 15,159.42

Tue, 13 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.9647	–	Rs 859,647.09
Revolut Cheapest	85.0143	$41.75	Rs 846,593.43	−Rs 13,053.66
Xe	84.4922	$0.00	Rs 844,922.00	−Rs 14,725.09
OrbitRemit No quote collected this day	–	–	–	–

Wed, 14 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.4469	–	Rs 854,469.39
Revolut Cheapest	85.1177	$41.75	Rs 847,623.76	−Rs 6,845.63
Xe	84.6965	$0.00	Rs 846,965.00	−Rs 7,504.39
OrbitRemit No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.4139	–	Rs 854,139.19
Revolut Cheapest	84.8441	$41.75	Rs 844,898.56	−Rs 9,240.63
Xe	84.3206	$0.00	Rs 843,206.00	−Rs 10,933.19
OrbitRemit No quote collected this day	–	–	–	–

Fri, 16 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.1215	–	Rs 861,214.89
Revolut Cheapest	85.6663	$41.75	Rs 853,086.20	−Rs 8,128.69
OrbitRemit No quote collected this day	–	–	–	–
Xe No quote collected this day	–	–	–	–

Sat, 17 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.0551	–	Rs 860,550.89
Xe Cheapest	85.0568	$0.00	Rs 850,568.00	−Rs 9,982.89
Revolut	84.8263	$141.75	Rs 836,238.44	−Rs 24,312.45
OrbitRemit No quote collected this day	–	–	–	–

Mon, 19 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.2136	–	Rs 862,135.76
Xe Cheapest	85.2075	$0.00	Rs 852,075.00	−Rs 10,060.76
Revolut	85.5308	$41.75	Rs 851,737.43	−Rs 10,398.33
OrbitRemit No quote collected this day	–	–	–	–

Tue, 20 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.3521	–	Rs 863,520.72
Wise Cheapest	86.3979	$104.51	Rs 854,950.00	−Rs 8,570.72
Xe	85.2828	$0.00	Rs 852,828.00	−Rs 10,692.72
OrbitRemit No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.2616	–	Rs 862,616.09
Xe Cheapest	85.6141	$0.00	Rs 856,141.00	−Rs 6,475.09
Revolut	85.7435	$41.75	Rs 853,855.54	−Rs 8,760.55
OrbitRemit No quote collected this day	–	–	–	–

Thu, 22 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.0596	–	Rs 860,595.83
Xe Cheapest	85.7196	$0.00	Rs 857,196.00	−Rs 3,399.83
Revolut	85.9220	$41.75	Rs 855,632.91	−Rs 4,962.92
OrbitRemit No quote collected this day	–	–	–	–

Fri, 23 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.2126	–	Rs 862,126.27
Revolut Cheapest	85.9865	$41.75	Rs 856,275.49	−Rs 5,850.78
Xe	85.5991	$0.00	Rs 855,991.00	−Rs 6,135.27
OrbitRemit No quote collected this day	–	–	–	–

Sat, 24 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.6490	–	Rs 866,489.98
Xe Cheapest	85.7948	$0.00	Rs 857,948.00	−Rs 8,541.98
OrbitRemit	85.5443	$0.00	Rs 855,443.10	−Rs 11,046.88
Revolut	85.5308	$141.75	Rs 843,184.01	−Rs 23,305.97

Mon, 26 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.1807	–	Rs 861,806.87
Xe Cheapest	85.9554	$0.00	Rs 859,554.00	−Rs 2,252.87
OrbitRemit	85.5443	$0.00	Rs 855,443.10	−Rs 6,363.77
Revolut	85.7797	$41.75	Rs 854,215.58	−Rs 7,591.29

Tue, 27 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	86.8383	–	Rs 868,383.11
Xe Cheapest	85.9194	$0.00	Rs 859,194.00	−Rs 9,189.11
Revolut	86.2060	$41.75	Rs 858,460.81	−Rs 9,922.30
OrbitRemit	85.5443	$0.00	Rs 855,443.10	−Rs 12,940.01

Wed, 28 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.5213	–	Rs 855,212.52
Xe Cheapest	85.8403	$0.00	Rs 858,403.00	+Rs 3,190.48
OrbitRemit	85.5443	$0.00	Rs 855,443.10	+Rs 230.58
Revolut	85.0424	$41.75	Rs 846,873.89	−Rs 8,338.63

Thu, 29 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.3947	–	Rs 853,947.03
OrbitRemit Cheapest	85.5443	$0.00	Rs 855,443.10	+Rs 1,496.07
Xe	85.0321	$0.00	Rs 850,321.00	−Rs 3,626.03
Revolut	85.2722	$41.75	Rs 849,161.53	−Rs 4,785.50

Fri, 30 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.8066	–	Rs 858,066.04
OrbitRemit Cheapest	85.5443	$0.00	Rs 855,443.10	−Rs 2,622.94
Xe	85.2232	$0.00	Rs 852,232.00	−Rs 5,834.04
Revolut	85.2308	$41.75	Rs 848,749.68	−Rs 9,316.36

Sat, 31 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.5700	–	Rs 855,699.72
OrbitRemit Cheapest	85.5443	$0.00	Rs 855,443.10	−Rs 256.62
Xe	85.0058	$0.00	Rs 850,058.00	−Rs 5,641.72
Revolut	84.5163	$141.75	Rs 833,183.18	−Rs 22,516.54

Sun, 1 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.5624	–	Rs 855,623.82
OrbitRemit Cheapest	85.5443	$0.00	Rs 855,443.10	−Rs 180.72
Xe	85.0058	$0.00	Rs 850,058.00	−Rs 5,565.82
Revolut	84.5163	$141.75	Rs 833,183.18	−Rs 22,440.64

Mon, 2 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.5925	–	Rs 855,924.56
OrbitRemit Cheapest	85.5443	$0.00	Rs 855,443.10	−Rs 481.46
Xe	84.7461	$0.00	Rs 847,461.00	−Rs 8,463.56
Revolut	84.9001	$41.75	Rs 845,456.85	−Rs 10,467.71

Tue, 3 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.3821	–	Rs 853,821.18
OrbitRemit Cheapest	85.5443	$0.00	Rs 855,443.10	+Rs 1,621.92
Revolut	84.9658	$41.75	Rs 846,110.45	−Rs 7,710.73
Xe	84.5417	$0.00	Rs 845,417.00	−Rs 8,404.18

Wed, 4 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	84.8139	–	Rs 848,139.24
OrbitRemit Cheapest	85.5443	$0.00	Rs 855,443.10	+Rs 7,303.86
Revolut	84.8997	$41.75	Rs 845,452.72	−Rs 2,686.52
Xe	83.9807	$0.00	Rs 839,807.00	−Rs 8,332.24

Thu, 5 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	85.3427	–	Rs 853,427.28
OrbitRemit Cheapest	85.5443	$0.00	Rs 855,443.10	+Rs 2,015.82
Revolut	84.8351	$41.75	Rs 844,809.29	−Rs 8,617.99
Xe	84.3912	$0.00	Rs 843,912.00	−Rs 9,515.28

Fri, 6 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	84.0544	–	Rs 840,544.43
OrbitRemit Cheapest	85.5443	$0.00	Rs 855,443.10	+Rs 14,898.67
Xe	83.8611	$0.00	Rs 838,611.00	−Rs 1,933.43
Revolut	83.2759	$41.75	Rs 829,282.03	−Rs 11,262.40

Sat, 7 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	83.2863	–	Rs 832,862.69
OrbitRemit Cheapest	84.2380	$0.00	Rs 842,379.70	+Rs 9,517.01
Xe	82.7633	$0.00	Rs 827,633.00	−Rs 5,229.69
Revolut	82.2443	$141.75	Rs 810,784.74	−Rs 22,077.95

How to send money to Nepal from New Zealand with the best NZD-NPR rate

Best companies for NZD/NPR transfers