TorFx is the best way to send money to United Arab Emirates. Sending $10,000 gets you 20,927.22 AED on the other end.
| 8 of 8 providers Last updated on 26 September 2026 | |||
| Based on 10,000 NZD transfer Best companies for NZD/AED transfers | |||
| Promoted  Wise Pay via Bank transfer | Fees: $31.84 1 NZD = 2.0806 AED +0.88% vs mid-market | Recipient gets AED 20,739.45 Within a week | |
Ways to receive money in United Arab Emirates with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $31.841 NZD = 2.0806 AED AED 20,739.45You pay$10,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0381 AED +2.94% vs mid-market | Recipient gets AED 20,381.00 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 = 2.0381 AED AED 20,381.00You 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. | |||
 TorFx Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0927 AED +0.30% vs mid-market | Recipient gets AED 20,927.22 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 = 2.0927 AED AED 20,927.22You pay$10,000.00 | |||
 OFX Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0885 AED +0.50% vs mid-market | Recipient gets AED 20,885.24 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 = 2.0885 AED AED 20,885.24You pay$10,000.00 | |||
| Wise Pay via Bank transfer | Fees: $31.84 1 NZD = 2.0806 AED +0.88% vs mid-market | Recipient gets AED 20,739.45 Within a week | |
Ways to receive money in United Arab Emirates with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $31.841 NZD = 2.0806 AED AED 20,739.45You pay$10,000.00 | |||
 Moneycorp Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0696 AED +1.40% vs mid-market | Recipient gets AED 20,696.33 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 = 2.0696 AED AED 20,696.33You pay$10,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fees: $7.15 1 NZD = 2.0652 AED +1.62% vs mid-market | Recipient gets AED 20,637.00 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 $7.151 NZD = 2.0652 AED AED 20,637.00You pay$10,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fees: $0.00 1 NZD = 2.0615 AED +1.80% vs mid-market | Recipient gets AED 20,615.00 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 = 2.0615 AED AED 20,615.00You pay$10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fees: $155.00 1 NZD = 2.0735 AED +1.22% vs mid-market | Recipient gets AED 20,413.20 Within a week | |
Ways to receive money in United Arab Emirates with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a week $155.001 NZD = 2.0735 AED AED 20,413.20You 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 Bank transfer | Fees: $0.00 1 NZD = 2.0381 AED +2.94% vs mid-market | Recipient gets AED 20,381.00 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 = 2.0381 AED AED 20,381.00You pay$10,000.00 | |||
| Xe Pay via Debit card | Fees: $40.00 1 NZD = 2.0381 AED +2.94% vs mid-market | Recipient gets AED 20,299.48 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 = 2.0381 AED AED 20,299.48You pay$10,000.00 | |||
| Xe Pay via Credit card | Fees: $90.00 1 NZD = 2.0381 AED +2.94% vs mid-market | Recipient gets AED 20,197.57 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 = 2.0381 AED AED 20,197.57You pay$10,000.00 | |||
| How Our Results Work Mid-market rate: 1 NZD = 2.0990 AED Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then TorFx 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 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.
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 $31.84 and 0.88% markup on a $10,000 transfer.
This will get you 20,739.45 AED and it will arrive in within a week.
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.
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 $10,000 at 0.88% markup and holds the AED until you spend it.
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 TorFx, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $10,000 gives your recipient 20,927.22 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 monye directly to bank account or card, enter the recipient's bank details, account number and account-holder name.
You pay $10,000.00
.د.إ20,927
Cheapest
You pay $10,000.00
.د.إ20,299
-.د.إ628
You pay $10,000.00
.د.إ20,198
-.د.إ730
Here are a few things to know about money transfers from New Zealand to UAE.
For a $10,000 transfer to United Arab Emirates, these are the current best options you have.
Cheapest
TorFx is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 20,927.22 AED, which is 0.2% more than the next best option.
Fastest
TorFx delivers 20,927.22 AED 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 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.
Exchange-rate margins add up on regular transfers to United Arab Emirates. Compare each quote with the recent NZD/AED range before sending.
Mid-market rate:1 NZD = 2.099019 AED
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.
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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