Wise is the best way to send money to Nigeria. Sending $10,000 gets you 8,025,674.66 NGN on the other end.
| 3 of 3 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze NZD/NGN exchange rates from our comparisons. | |||
| Based on 10,000 NZD transfer Best companies for NZD/NGN transfersAll money transfer offers for NZD/NGN transfers, sorted by most NGN received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fees: $49.18 1 NZD = 806.5340 NGN -3.39% vs mid-market | Recipient gets ₦8,025,674.66 Within a week | |
Ways to receive money in Nigeria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $49.181 NZD = 806.5340 NGN ₦8,025,674.66You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 799.8865 NGN -2.56% vs mid-market | Recipient gets ₦7,998,865.00 6-12 Hours | |
Ways to receive money in Nigeria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 799.8865 NGN ₦7,998,865.00You pay$10,000.00 | |||
Run a live search Showing top New Zealand to Nigeria 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 NGN rates. | |||
Run a live search These companies offer multi-currency accounts for spending NGN. We suggest doing a live search based on how much NZD you're planning to spend in Nigeria. | |||
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. | |||
| Wise Pay via Bank transfer | Fees: $49.18 1 NZD = 806.5340 NGN -3.39% vs mid-market | Recipient gets ₦8,025,674.66 Within a week | |
Ways to receive money in Nigeria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $49.181 NZD = 806.5340 NGN ₦8,025,674.66You pay$10,000.00 | |||
| Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 799.8865 NGN -2.56% vs mid-market | Recipient gets ₦7,998,865.00 6-12 Hours | |
Ways to receive money in Nigeria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 799.8865 NGN ₦7,998,865.00You pay$10,000.00 | |||
| Xe Pay via Debit card | Fees: $40.00 1 NZD = 799.8865 NGN -2.56% vs mid-market | Recipient gets ₦7,966,869.54 6-12 Hours | |
Ways to receive money in Nigeria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 799.8865 NGN ₦7,966,869.54You pay$10,000.00 | |||
| Xe Pay via Credit card | Fees: $90.00 1 NZD = 799.8865 NGN -2.56% vs mid-market | Recipient gets ₦7,926,875.21 6-12 Hours | |
Ways to receive money in Nigeria with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 799.8865 NGN ₦7,926,875.21You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fees: $55.00 1 NZD = 775.4292 NGN +0.55% vs mid-market | Recipient gets ₦7,711,643.57 Within minutes | |
Ways to receive money in Nigeria with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $55.001 NZD = 775.4292 NGN ₦7,711,643.57You 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. | |||
| How Our Results Work Mid-market rate: 1 NZD = 779.668307 NGN Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Wise is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account like Wise.
For large transfers (NZ$10k+) using 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.
3 companies cover NZD/NGN transfers, between them you can send money via app, online, multi-currency account, global account, and broker, 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.
Wise charges $49.18 and -3.39% markup on a $10,000 transfer.
This will get you 8,025,674.66 NGN and it will arrive in within a week.
Best support options
For house purchase abroad, an inheritance or a pension transfer, a broker like Xe charges no fee and adds -2.56% margin, with a real person on the phone dealing with everything end to end.
Also, you can send a small NZD/NGN 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 $10,000 at -3.39% markup and holds the NGN until you spend it.
It’s also great for travelling to Nigeria 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 Nigeria, or getting paid in NGN.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $10,000 gives your recipient 8,025,674.66 NGN.
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 Nigeria.
The recipient in Nigeria can use bank deposit.
To send monye directly to bank account or card, enter the recipient's bank details, account number and account-holder name.
You pay $10,000.00
₦8,025,675
Cheapest
You pay $10,000.00
₦7,966,870
-₦58,805
You pay $10,000.00
₦7,926,875
-₦98,799
Here are a few things to know about money transfers from New Zealand to Nigeria.
For a $10,000 transfer to Nigeria, these are the current best options you have.
Cheapest
Wise is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 8,025,674.66 NGN, which is 0.33% more than the next best option.
Fastest
Revolut delivers 7,711,643.57 NGN in within minutes 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 NGN.
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 Nigeria.
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.
Exchange-rate margins add up on regular transfers to Nigeria. Compare each quote with the recent NZD/NGN range before sending.
Mid-market rate:1 NZD = 777.616173 NGN
Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.
That covers 3 registered financial service providers sending NZD to Nigeria, updated in real time on live searches and compared on rates, fees, speed and the ways to pay and collect.
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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