OFX is the best way to send money to Samoa. Sending $10,000 gets you 15,867.82 WST on the other end.
| 3 of 3 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze NZD/WST exchange rates from our comparisons. | |||
| Based on 10,000 NZD transfer Best companies for NZD/WST transfersAll money transfer offers for NZD/WST transfers, sorted by most WST received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fees: $485.47 1 NZD = 1.5964 WST -0.11% vs mid-market | Recipient gets WST 15,189.47 Within a week | |
Ways to receive money in Samoa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $485.471 NZD = 1.5964 WST WST 15,189.47You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 1.5538 WST +2.60% vs mid-market | Recipient gets WST 15,537.60 6-12 Hours | |
Ways to receive money in Samoa with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 1.5538 WST WST 15,537.60You 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 = 1.5868 WST +0.50% vs mid-market | Recipient gets WST 15,867.82 6-12 Hours | |
Ways to receive money in Samoa with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 1.5868 WST WST 15,867.82You pay$10,000.00 | |||
| Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 1.5538 WST +2.60% vs mid-market | Recipient gets WST 15,537.60 6-12 Hours | |
Ways to receive money in Samoa with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 1.5538 WST WST 15,537.60You pay$10,000.00 | |||
| Xe Pay via Debit card | Fees: $40.00 1 NZD = 1.5538 WST +2.60% vs mid-market | Recipient gets WST 15,475.45 6-12 Hours | |
Ways to receive money in Samoa with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 1.5538 WST WST 15,475.45You pay$10,000.00 | |||
| Xe Pay via Credit card | Fees: $90.00 1 NZD = 1.5538 WST +2.60% vs mid-market | Recipient gets WST 15,397.76 6-12 Hours | |
Ways to receive money in Samoa with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 1.5538 WST WST 15,397.76You pay$10,000.00 | |||
| Wise Pay via Bank transfer | Fees: $485.47 1 NZD = 1.5964 WST -0.11% vs mid-market | Recipient gets WST 15,189.47 Within a week | |
Ways to receive money in Samoa with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $485.471 NZD = 1.5964 WST WST 15,189.47You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 NZD = 1.594756 WST Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then OFX is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account like Xe.
For large transfers (NZ$10k+) using 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 .
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/WST transfers, between them you can send money via broker, online, app, multi-currency account, and global 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 $0 and 2.6% markup on a $10,000 transfer.
This will get you 15,537.6 WST and it will arrive in 6-12 hours.
Best support options
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.
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
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 -0.1% markup and holds the WST until you spend it.
It’s also great for travelling to Samoa 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 Samoa, or getting paid in WST.
With OFX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $10,000 gives your recipient 15,867.82 WST.
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 Samoa.
The recipient in Samoa 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
WS$15,868
Cheapest
You pay $10,000.00
WS$15,475
-WS$392
You pay $10,000.00
WS$15,398
-WS$470
Here are a few things to know about money transfers from New Zealand to Samoa.
For a $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 15,867.82 WST, which is 2.08% more than the next best option.
Fastest
OFX delivers 15,867.82 WST in 6-12 hours 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 WST.
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 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.
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 Samoa. Compare each quote with the recent NZD/WST range before sending.
Mid-market rate:1 NZD = 1.602868 WST
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 Samoa, 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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