Best companies for NZD/WST transfers
2 of 2 providers Last updated on 10 November 2026
Based on 10,000 NZD transfer Best companies for NZD/WST transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fees: $495.06 1 NZD = 1.5588 WST +0.50% vs mid-market	Recipient gets WST 14,816.11 Within a week
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Samoa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $495.061 NZD = 1.5588 WST WST 14,816.11You pay$10,000.00
Promoted OFX Pay via Bank transfer	Fees: $0.00 1 NZD = 1.5587 WST +0.50% vs mid-market	Recipient gets WST 15,587.13 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in Samoa with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 1.5587 WST WST 15,587.13You pay$10,000.00
Run a live search Showing top New Zealand to Samoa 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 WST rates.
Run a live search These companies offer multi-currency accounts for spending WST. We suggest doing a live search based on how much NZD you're planning to spend in Samoa.
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.
OFX Pay via Bank transfer	Fees: $0.00 1 NZD = 1.5587 WST +0.50% vs mid-market	Recipient gets WST 15,587.13 6-12 Hours
7 reviews CheapestFastest Receive to bank account
Ways to receive money in Samoa with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 1.5587 WST WST 15,587.13You pay$10,000.00
Wise Pay via Bank transfer	Fees: $495.06 1 NZD = 1.5588 WST +0.50% vs mid-market	Recipient gets WST 14,816.11 Within a week
25 reviews Our top pick Receive to bank accountDedicated support for large transfers
Ways to receive money in Samoa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $495.061 NZD = 1.5588 WST WST 14,816.11You pay$10,000.00
How Our Results Work Mid-market rate: 1 NZD = 1.5665 WST Updates every 60 minutes.

Why compare

NZD/WST exchange rate

Best ways to pay & receive

Transfer speed

How to send money from New Zealand to Samoa

Pick a company

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

OFX was the cheapest on 30 of the 30 days it quoted NZ$10,000 transfers to Samoa.

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

For large transfers (NZ$10k+), a broker like OFX 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 .

Fund your transfer

You can pay for the transfer via bank transfer.

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 Samoa?

How much NZD you send to Samoa 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 OFX was the cheapest in 34% of the transfers from NZ$10,000 it quoted, and in 61% of all the transfers it quoted.


$1,000	0.65%	$0.00	WST 1,556.76with bank transfer to bank deposit	+WST 77.98
$5,000	0.65%	$0.00	WST 7,781.95with bank transfer to bank deposit	+WST 327.53
$10,000This page	0.50%	$0.00	WST 15,587.13with bank transfer to bank deposit	+WST 385.51
$50,000	0.25%	$0.00	WST 78,252.13with bank transfer to bank deposit	+WST 1,395.93
$250,000	0.20%	$0.00	WST 390,998.69with bank transfer to bank deposit	+WST 6,949.12

Mid-market rate: 1 NZD = 1.5665 WST

NZD/WST Exchange Rate History

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

The cheapest way to send NZD to WST 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 OFX), across 30 days of comparisons for 10,000 NZD transfers to Samoa.

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 WST 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 WST on every transfer from New Zealand.

Right now, OFX pays 15,587.13 WST on 10,000 NZD, which is 78.33 WST less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 15,729.20 WST.

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 Samoa.

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

OFXAppeared in 146 comparisons
Cheapest in 61% of them
WiseAppeared in 145 comparisons
Cheapest in 1% 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 OFX is the cheapest and gets you the most WST, and it was also the cheapest in 61% of the 146 comparisons it appeared in over the past month.

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

Wise (today's second cheapest) was the cheapest in only 1% of its comparisons, so it's rarely the cheapest option for transfers to Samoa.

Ways to send money from New Zealand to Samoa

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

Wise charges NZ$495.06 and 0.5% markup on a NZ$10,000 transfer.

This will get you 14,816.11 WST and it will arrive in within a week.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Best support options

Currency brokers

For house purchase abroad, an inheritance or a pension transfer, a broker like OFX charges no fee and adds 0.5% margin, with a real person on the phone dealing with everything end to end.

Our analysis shows OFX was the cheapest broker in 34% of the transfers from NZ$10,000 it quoted.

Also, you can send a small NZD/WST 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.

Wise converts NZ$10,000 at 0.5% markup and holds the WST 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 Samoa 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 Samoa, or getting paid in WST.

Ways to fund NZD and receive WST in Samoa

With OFX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending NZ$10,000 gives your recipient 15,587.13 WST.

Pay in NZD by bank transfer.

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 Samoa.

The recipient in Samoa 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.

1

Bank transfer Bank deposit

You pay NZ$10,000.00

WS$15,587

Cheapest

What to consider when sending NZD to Samoa

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

Compare NZD/WST transfer options

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

Cheapest

OFX is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 15,587.13 WST, which is 4.95% more than the next best option.

Fastest

OFX delivers 15,587.13 WST in 6-12 hours 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 WST.

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 Samoa.

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 2 registered financial service providers sending NZD to Samoa, 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/WST 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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Mon, 12 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5612	–	WST 15,612.07
OFX Cheapest	1.5534	$0.00	WST 15,534.01	−WST 78.06
Wise	1.5476	$543.74	WST 14,634.89	−WST 977.18

Tue, 13 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5537	–	WST 15,537.08
OFX Cheapest	1.5459	$0.00	WST 15,459.39	−WST 77.69
Wise	1.5459	$424.07	WST 14,803.14	−WST 733.94

Wed, 14 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5671	–	WST 15,670.73
OFX Cheapest	1.5592	$0.00	WST 15,592.38	−WST 78.35
Wise	1.5541	$464.23	WST 14,819.25	−WST 851.48

Thu, 15 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5606	–	WST 15,605.62
OFX Cheapest	1.5528	$0.00	WST 15,527.59	−WST 78.03
Wise	1.5518	$502.35	WST 14,738.36	−WST 867.26

Fri, 16 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5712	–	WST 15,712.38
OFX Cheapest	1.5634	$0.00	WST 15,633.82	−WST 78.56
Wise	1.5653	$523.00	WST 14,834.44	−WST 877.94

Sat, 17 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5775	–	WST 15,774.67
OFX Cheapest	1.5696	$0.00	WST 15,695.80	−WST 78.87
Wise	1.5606	$508.57	WST 14,812.04	−WST 962.63

Sun, 18 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5775	–	WST 15,774.90
OFX Cheapest	1.5696	$0.00	WST 15,696.03	−WST 78.87
Wise	1.5606	$508.57	WST 14,812.04	−WST 962.86

Mon, 19 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5773	–	WST 15,772.56
OFX Cheapest	1.5694	$0.00	WST 15,693.70	−WST 78.86
Wise	1.5620	$508.56	WST 14,825.44	−WST 947.12

Tue, 20 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5762	–	WST 15,762.20
OFX Cheapest	1.5683	$0.00	WST 15,683.39	−WST 78.81
Wise	1.5674	$515.72	WST 14,865.19	−WST 897.01

Wed, 21 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5746	–	WST 15,746.12
OFX Cheapest	1.5667	$0.00	WST 15,667.39	−WST 78.73
Wise	1.5644	$460.46	WST 14,924.04	−WST 822.08

Thu, 22 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5797	–	WST 15,797.36
OFX Cheapest	1.5718	$0.00	WST 15,718.37	−WST 78.99
Wise	1.5678	$470.45	WST 14,940.52	−WST 856.84

Fri, 23 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5738	–	WST 15,737.71
OFX Cheapest	1.5659	$0.00	WST 15,659.02	−WST 78.69
Wise	1.5660	$517.50	WST 14,849.78	−WST 887.93

Sat, 24 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5808	–	WST 15,807.63
OFX Cheapest	1.5729	$0.00	WST 15,728.59	−WST 79.04
Wise	1.5688	$517.49	WST 14,875.97	−WST 931.66

Sun, 25 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5808	–	WST 15,808.24
OFX Cheapest	1.5729	$0.00	WST 15,729.20	−WST 79.04
Wise	1.5688	$517.49	WST 14,875.97	−WST 932.27

Mon, 26 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5775	–	WST 15,775.48
OFX Cheapest	1.5697	$0.00	WST 15,696.60	−WST 78.88
Wise	1.5667	$536.38	WST 14,826.27	−WST 949.21

Tue, 27 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5746	–	WST 15,746.35
OFX Cheapest	1.5668	$0.00	WST 15,667.62	−WST 78.73
Wise	1.5664	$527.39	WST 14,838.09	−WST 908.26

Wed, 28 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5533	–	WST 15,532.58
OFX Cheapest	1.5455	$0.00	WST 15,454.92	−WST 77.66
Wise	1.5433	$482.43	WST 14,688.66	−WST 843.92

Thu, 29 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5542	–	WST 15,542.36
OFX Cheapest	1.5465	$0.00	WST 15,464.65	−WST 77.71
Wise	1.5471	$412.96	WST 14,832.01	−WST 710.35

Fri, 30 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5633	–	WST 15,632.98
OFX Cheapest	1.5555	$0.00	WST 15,554.82	−WST 78.16
Wise	1.5551	$435.89	WST 14,873.43	−WST 759.55

Sat, 31 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5664	–	WST 15,664.13
OFX Cheapest	1.5586	$0.00	WST 15,585.81	−WST 78.32
Wise	1.5511	$402.80	WST 14,886.22	−WST 777.91

Sun, 1 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5663	–	WST 15,663.41
OFX Cheapest	1.5585	$0.00	WST 15,585.09	−WST 78.32
Wise	1.5511	$402.80	WST 14,886.22	−WST 777.19

Mon, 2 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5595	–	WST 15,595.40
OFX Cheapest	1.5517	$0.00	WST 15,517.42	−WST 77.98
Wise	1.5497	$435.92	WST 14,821.65	−WST 773.75

Tue, 3 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5616	–	WST 15,615.80
OFX Cheapest	1.5538	$0.00	WST 15,537.72	−WST 78.08
Wise	1.5536	$468.76	WST 14,807.35	−WST 808.45

Wed, 4 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5573	–	WST 15,572.89
OFX Cheapest	1.5495	$0.00	WST 15,495.03	−WST 77.86
Wise	1.5489	$466.99	WST 14,765.20	−WST 807.69

Thu, 5 Nov 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.5707	–	WST 15,706.63
OFX Cheapest	1.5628	$0.00	WST 15,628.10	−WST 78.53
Wise	1.5603	$506.80	WST 14,812.71	−WST 893.92

How to send money to Samoa from New Zealand with the best NZD-WST rate

Best companies for NZD/WST transfers