Wise is the best way to send money to United Arab Emirates. Sending NZ$10,000 gets you 20,550.66 AED on the other end.
| 8 of 8 providers Last updated on 28 October 2026 | |||
| Based on 10,000 NZD transfer Best companies for NZD/AED transfers | |||
| Promoted  Wise Pay via Bank transfer | Fees: $31.84 1 NZD = 2.0616 AED -0.03% vs mid-market | Recipient gets AED 20,550.66 Next day | |
Ways to receive money in United Arab Emirates with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $31.841 NZD = 2.0616 AED AED 20,550.66You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0449 AED +0.78% vs mid-market | Recipient gets AED 20,448.60 6-12 Hours | |
Ways to receive money in United Arab Emirates with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 2.0449 AED AED 20,448.60You pay$10,000.00 | |||
Run a live search Showing top New Zealand to United Arab Emirates 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 AED rates. | |||
Run a live search These companies offer multi-currency accounts for spending AED. We suggest doing a live search based on how much NZD you're planning to spend in United Arab Emirates. | |||
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: $31.84 1 NZD = 2.0616 AED -0.03% vs mid-market | Recipient gets AED 20,550.66 Next day | |
Ways to receive money in United Arab Emirates with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $31.841 NZD = 2.0616 AED AED 20,550.66You pay$10,000.00 | |||
 TorFx Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0548 AED +0.30% vs mid-market | Recipient gets AED 20,547.72 6-12 Hours | |
Ways to receive money in United Arab Emirates with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 2.0548 AED AED 20,547.72You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fees: $44.80 1 NZD = 2.0601 AED +0.04% vs mid-market | Recipient gets AED 20,508.51 Same day | |
Ways to receive money in United Arab Emirates with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $44.801 NZD = 2.0601 AED AED 20,508.51You 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. | |||
 OFX Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0507 AED +0.50% vs mid-market | Recipient gets AED 20,506.50 6-12 Hours | |
Ways to receive money in United Arab Emirates with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 2.0507 AED AED 20,506.50You pay$10,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0474 AED +0.66% vs mid-market | Recipient gets AED 20,474.00 6-12 Hours | |
Ways to receive money in United Arab Emirates with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 2.0474 AED AED 20,474.00You pay$10,000.00 | |||
| Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0449 AED +0.78% vs mid-market | Recipient gets AED 20,448.60 6-12 Hours | |
Ways to receive money in United Arab Emirates with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 2.0449 AED AED 20,448.60You pay$10,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fees: $7.28 1 NZD = 2.0450 AED +0.78% vs mid-market | Recipient gets AED 20,435.00 6-12 Hours | |
Ways to receive money in United Arab Emirates with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $7.281 NZD = 2.0450 AED AED 20,435.00You pay$10,000.00 | |||
| Xe Pay via Debit card | Fees: $40.00 1 NZD = 2.0449 AED +0.78% vs mid-market | Recipient gets AED 20,366.81 6-12 Hours | |
Ways to receive money in United Arab Emirates with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 2.0449 AED AED 20,366.81You pay$10,000.00 | |||
 Moneycorp Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0321 AED +1.40% vs mid-market | Recipient gets AED 20,321.02 Next Day | |
Ways to receive money in United Arab Emirates with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 NZD = 2.0321 AED AED 20,321.02You pay$10,000.00 | |||
| Xe Pay via Credit card | Fees: $90.00 1 NZD = 2.0449 AED +0.78% vs mid-market | Recipient gets AED 20,264.56 6-12 Hours | |
Ways to receive money in United Arab Emirates with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 2.0449 AED AED 20,264.56You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 NZD = 2.0610 AED Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Wise is the best option.
Wise was the cheapest on 15 of the 29 days it quoted NZ$10,000 transfers to UAE.
For recurring transfers, I'd suggest using an app or a multi-currency account like Wise.
For large transfers (NZ$10k+), a broker like TorFx 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 UAE 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 Wise was the cheapest in 28% of the transfers from NZ$10,000 it quoted, and in 23% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $1,000 | 0.27% | $0.00 | AED 2,055.50with debit card to bank deposit | +AED 14.16 | |
| $5,000 | 0.03% | $17.87 | AED 10,263.98with bank transfer to bank deposit | +AED 44.19 | |
| $10,000This page | -0.03% | $31.84 | AED 20,550.66with bank transfer to bank deposit | +AED 108.32 | |
| $50,000 | 0.20% | $0.00 | AED 102,761.07with bank transfer to bank deposit | +AED 476.23 | |
| $250,000 | 0.15% | $0.00 | AED 514,622.91with bank transfer to bank deposit | +AED 4,115.87 |
Mid-market rate: 1 NZD = 2.0610 AED
The cheapest way to send NZD to AED 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 Wise), across 30 days of comparisons for 10,000 NZD transfers to UAE.
Wed, 28 Oct 2026Mid-market rateAED 20,609.55 Wise AED 20,550.66WiseAED 20,550.66TorFxAED 20,547.72RevolutAED 20,508.51
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0764 | – | AED 20,764.16 | |
| | 2.0771 | $31.84 | AED 20,704.67 | −AED 59.49 |
| | 2.0702 | $0.00 | AED 20,701.87 | −AED 62.29 |
| | 2.0751 | $55.00 | AED 20,636.91 | −AED 127.25 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0777 | – | AED 20,776.94 | |
| | 2.0715 | $0.00 | AED 20,714.61 | −AED 62.33 |
| | 2.0780 | $31.84 | AED 20,713.84 | −AED 63.10 |
| | 2.0762 | $55.00 | AED 20,648.13 | −AED 128.81 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0630 | – | AED 20,630.40 | |
| | 2.0569 | $0.00 | AED 20,568.51 | −AED 61.89 |
| | 2.0631 | $31.84 | AED 20,565.31 | −AED 65.09 |
| | 2.0621 | $55.00 | AED 20,507.91 | −AED 122.49 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0620 | – | AED 20,620.20 | |
| | 2.0558 | $0.00 | AED 20,558.34 | −AED 61.86 |
| | 2.0624 | $31.84 | AED 20,557.93 | −AED 62.27 |
| | 2.0611 | $55.00 | AED 20,497.53 | −AED 122.67 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0630 | – | AED 20,629.63 | |
| | 2.0568 | $0.00 | AED 20,567.74 | −AED 61.89 |
| | 2.0622 | $31.84 | AED 20,556.14 | −AED 73.49 |
| | 2.0549 | $155.00 | AED 20,230.62 | −AED 399.01 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0627 | – | AED 20,626.62 | |
| | 2.0565 | $0.00 | AED 20,564.74 | −AED 61.88 |
| | 2.0622 | $31.84 | AED 20,556.14 | −AED 70.48 |
| | 2.0549 | $155.00 | AED 20,230.62 | −AED 396.00 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0531 | – | AED 20,530.99 | |
| | 2.0469 | $0.00 | AED 20,469.40 | −AED 61.59 |
| | 2.0532 | $31.84 | AED 20,466.43 | −AED 64.56 |
| | 2.0525 | $55.00 | AED 20,412.24 | −AED 118.75 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0536 | – | AED 20,536.01 | |
| | 2.0474 | $0.00 | AED 20,474.40 | −AED 61.61 |
| | 2.0538 | $31.84 | AED 20,472.21 | −AED 63.80 |
| | 2.0531 | $55.00 | AED 20,417.64 | −AED 118.37 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0593 | – | AED 20,593.37 | |
| | 2.0532 | $0.00 | AED 20,531.59 | −AED 61.78 |
| | 2.0596 | $31.84 | AED 20,530.72 | −AED 62.65 |
| | 2.0585 | $55.00 | AED 20,471.71 | −AED 121.66 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0542 | – | AED 20,541.97 | |
| | 2.0480 | $0.00 | AED 20,480.34 | −AED 61.63 |
| | 2.0545 | $31.84 | AED 20,479.49 | −AED 62.48 |
| | 2.0528 | $44.80 | AED 20,436.52 | −AED 105.45 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0622 | – | AED 20,621.95 | |
| | 2.0560 | $0.00 | AED 20,560.08 | −AED 61.87 |
| | 2.0624 | $31.84 | AED 20,558.23 | −AED 63.72 |
| | 2.0612 | $44.80 | AED 20,519.61 | −AED 102.34 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0590 | – | AED 20,589.89 | |
| | 2.0610 | $31.84 | AED 20,544.88 | −AED 45.01 |
| | 2.0528 | $0.00 | AED 20,528.12 | −AED 61.77 |
| | 2.0545 | $144.80 | AED 20,247.83 | −AED 342.06 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0590 | – | AED 20,589.89 | |
| | 2.0610 | $31.84 | AED 20,544.88 | −AED 45.01 |
| | 2.0528 | $0.00 | AED 20,528.12 | −AED 61.77 |
| | 2.0545 | $144.80 | AED 20,247.83 | −AED 342.06 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0576 | – | AED 20,576.27 | |
| | 2.0580 | $31.84 | AED 20,514.57 | −AED 61.70 |
| | 2.0515 | $0.00 | AED 20,514.54 | −AED 61.73 |
| | 2.0568 | $44.80 | AED 20,475.92 | −AED 100.35 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 2.0580 | $31.84 | AED 20,514.27 | – |
| | 2.0567 | $44.80 | AED 20,475.31 | – |
| | – | – | – | – |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0634 | – | AED 20,633.76 | |
| | 2.0637 | $31.84 | AED 20,571.29 | −AED 62.47 |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0605 | – | AED 20,604.70 | |
| | 2.0609 | $31.84 | AED 20,543.58 | −AED 61.12 |
| | 2.0543 | $0.00 | AED 20,542.89 | −AED 61.81 |
| | 2.0595 | $44.80 | AED 20,503.08 | −AED 101.62 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0802 | – | AED 20,801.54 | |
| | 2.0806 | $31.84 | AED 20,739.45 | −AED 62.09 |
| | 2.0739 | $0.00 | AED 20,739.14 | −AED 62.40 |
| | 2.0793 | $44.80 | AED 20,699.69 | −AED 101.85 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0781 | – | AED 20,780.86 | |
| | 2.0719 | $0.00 | AED 20,718.52 | −AED 62.34 |
| | 2.0709 | $144.80 | AED 20,408.86 | −AED 372.00 |
| | – | – | – | – |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0781 | – | AED 20,780.86 | |
| | 2.0719 | $0.00 | AED 20,718.52 | −AED 62.34 |
| | 2.0772 | $31.84 | AED 20,705.36 | −AED 75.50 |
| | 2.0709 | $144.80 | AED 20,408.86 | −AED 372.00 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 2.0784 | $31.84 | AED 20,717.52 | – |
| | 2.0773 | $44.80 | AED 20,680.35 | – |
| | – | – | – | – |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 2.0890 | $31.84 | AED 20,823.39 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0889 | – | AED 20,889.19 | |
| | 2.0894 | $31.84 | AED 20,827.07 | −AED 62.12 |
| | 2.0827 | $0.00 | AED 20,826.52 | −AED 62.67 |
| | 2.0880 | $44.80 | AED 20,786.06 | −AED 103.13 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0899 | – | AED 20,898.56 | |
| | 2.0836 | $0.00 | AED 20,835.86 | −AED 62.70 |
| | 2.0901 | $31.84 | AED 20,834.35 | −AED 64.21 |
| | 2.0889 | $44.80 | AED 20,795.59 | −AED 102.97 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0894 | – | AED 20,894.45 | |
| | 2.0899 | $31.84 | AED 20,832.86 | −AED 61.59 |
| | 2.0832 | $0.00 | AED 20,831.77 | −AED 62.68 |
| | 2.0886 | $44.80 | AED 20,792.67 | −AED 101.78 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0976 | – | AED 20,975.50 | |
| | 2.0913 | $0.00 | AED 20,912.57 | −AED 62.93 |
| | 2.0944 | $31.84 | AED 20,876.92 | −AED 98.58 |
| | 2.0882 | $144.80 | AED 20,579.66 | −AED 395.84 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 2.0944 | $31.84 | AED 20,876.92 | – |
| | 2.0882 | $144.80 | AED 20,579.66 | – |
| | – | – | – | – |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0891 | – | AED 20,891.21 | |
| | 2.0897 | $31.84 | AED 20,830.66 | −AED 60.55 |
| | 2.0829 | $0.00 | AED 20,828.54 | −AED 62.67 |
| | 2.0877 | $44.80 | AED 20,783.89 | −AED 107.32 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0904 | – | AED 20,904.12 | |
| | 2.0841 | $0.00 | AED 20,841.41 | −AED 62.71 |
| | 2.0905 | $31.84 | AED 20,838.34 | −AED 65.78 |
| | 2.0896 | $44.80 | AED 20,802.54 | −AED 101.58 |
| Exchange rate | Fees: | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 2.0610 | – | AED 20,609.55 | |
| | 2.0616 | $31.84 | AED 20,550.66 | −AED 58.89 |
| | 2.0548 | $0.00 | AED 20,547.72 | −AED 61.83 |
| | 2.0601 | $44.80 | AED 20,508.51 | −AED 101.04 |
| Exchange rate | Fees: | Recipient gets | Difference |
|---|
| Mid-market rate | 2.0610 | – | AED 20,609.55 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
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 AED 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 AED on every transfer from New Zealand.
Right now, Wise pays 20,550.66 AED on 10,000 NZD, which is 58.89 AED less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 20,912.57 AED.
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 UAE.
We've tracked 108 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.
Cheapest in 18% of them
Cheapest in 15% of them
Never the cheapest
Based on 35 comparisons across 5 amounts over the last 7 days.
Cheapest in 23% of them
Cheapest in 27% of them
Never the cheapest
Based on 108 comparisons across 5 amounts over the last 30 days.
Cheapest in 23% of them
Cheapest in 33% of them
Never the cheapest
Based on 123 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 Wise is the cheapest and gets you the most AED, but it was the cheapest in only 23% of the 104 comparisons it appeared in over the past month.
TorFx (today's second cheapest) was the cheapest in only 27% of its comparisons, so it's rarely the cheapest option for transfers to UAE.
If it's a one-off transfer, go with Wise, since it's the cheapest right now.
8 companies cover NZD/AED 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.
Wise charges NZ$31.84 and -0.03% markup on a NZ$10,000 transfer.
This will get you 20,550.66 AED and it will arrive in next day.
In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.
Best support options
For house purchase abroad, an inheritance or a pension transfer, a broker like TorFx charges no fee and adds 0.3% margin, with a real person on the phone dealing with everything end to end.
Our analysis shows TorFx was the cheapest broker in 45% of the transfers from NZ$10,000 it quoted.
Also, you can send a small NZD/AED 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 -0.03% markup and holds the AED 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 United Arab Emirates 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 United Arab Emirates, or getting paid in AED.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending NZ$10,000 gives your recipient 20,550.66 AED.
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 United Arab Emirates.
The recipient in United Arab Emirates 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
AED20,551
Cheapest
You pay NZ$10,000.00
AED20,367
-AED184
You pay NZ$10,000.00
AED20,265
-AED286
Here are a few things to know about money transfers from New Zealand to UAE.
For a NZ$10,000 transfer to United Arab Emirates, 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 20,550.66 AED, which is 0.01% more than the next best option.
Fastest
Revolut delivers 20,508.51 AED 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 AED.
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 United Arab Emirates.
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 8 registered financial service providers sending NZD to United Arab Emirates, 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 108 comparisons across 5 amounts.
This page covers the cheapest and fastest options for NZD/AED 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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