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Best Providers for Sending Money to Australia from New Zealand
When considering how to send money Australia from New Zealand there are some key aspects of the transfer that will impact the best provider for your needs.
There are plenty of international money transfer providers for New Zealand to Australia. The fastest provider is WorldRemit. The cheapest provider we found is Wise at 0.9% Above Mid-Market Rate.
If you’re looking for the best combination of price, speed, and reliability we recommend using XE when sending NZD – AUD.
This means that by using XE for online money transfers to Australia from New Zealand, you are likely to save on transfer fees and benefit from fast speeds – so your recipient will get more money and have it delivered in less time.
Alternatively, if you are unable to access XE for any reason, our comparison engine has found WorldRemit and Wise also to be very good options when sending NZD to AUD.
The cheapest way to send money from New Zealand to Australia
The cost of transferring money will depend on the value of the transaction and amount of AUD you want the recipient in Australia to receive.
In order to avoid high fees, you should consider the cheapest way to send money from New Zealand to Australia.
Wise has been determined by our comparison engine to be currently offering you the cheapest rates possible.
The fastest way to send money from New Zealand to Australia
When sending money from New Zealand to Australia, speed is one of the biggest factors you need to consider in terms of the service offered by different money transfer providers, particularly if you want to send money instantly. Currently, WorldRemit is the fastest way to send NZD – AUD.
What payment methods are available when sending money from New Zealand to Australia?
Most money transfer providers allow you to deposit and send money using various payment methods, but not all providers offer every option. Typically you’ll find the most common methods are bank transfers and card payments, but many providers also accept cash and some will even deliver funds straight to your recipient’s door.
Sending money to Australia from New Zealand using credit card
To avoid high fees you can opt to use an online money transfer provider such as WorldRemit to pay for your transfer to Australia. Our guide on sending money using a credit card has more information.
Sending money to Australia from New Zealand using a debit card
With XE you can send money online to Australia using your debit card. But before making a payment, make sure you understand all the processing fees in place. Our guide on sending money using a debit card has more information.
Using a wire transfer to send money from New Zealand to Australia
Bank and international wire transfers are the most common ways of sending money Australia as they are secure, reliable, and convenient. However, they often come with the slowest delivery times in case speed is an important factor for you. You can use XE to send money using a bank or wire transfer at a great rate as long as you’re happy for your transfer to take 1-2 days.
When sending money to Australia from New Zealand using bank account transfer you are paying for the outgoing fees, flat fees, currency exchange rate markup, and sometimes an additional incoming transfer fee. If you do decide to make an international transfer using wire transfer, you might be required to use a SWIFT/BIC code when completing your transaction. If you’re unsure of what it is, check out our guide on what is a SWIFT code as well as use our SWIFT code calculator to find the right SWIFT/BIC code.
On the other hand, you usually only pay a sender fee and a small exchange rate markup when using online money transfer services such as XE, WorldRemit and Wise.
Considerations for a NZD to AUD Currency Transfer
Before sending money to Australia from New Zealand, you should consider the following:
- The amount you want to transfer: It is likely that the more money you send to Australia the more value you will get and more AUD the recipient will receive. This is because any flat fee charged ends up as a smaller percentage of your transfer amount, and also because many providers allow you to negotiate a better exchange rate margin if sending large amounts.
- The NZD – AUD exchange rate margin: Money transfer providers charge a small percentage on top of the mid-market exchange rates in order to generate revenue. Current mid market rate is 0.904719 and the lowest exchange rate margin is currently offered by XE at 0.9% above the mid market rate.
- Hidden fees & charges: Before sending money to Australia, make sure the provider you are using doesn’t charge any hidden fees. Our reviews of the top ranked providers XE, WorldRemit and Wise will give insight here.
How to send money from New Zealand to Australia at the best rate?
This one’s easy. Simply use our comparison table above to find the best provider to send NZD to AUD. After that it’s just a process of making your transfer via the following steps:
- Click “Visit Site” inside our comparison table
- Register for an account if required
- Input how much you are willing to send
- Fund your transfer
- Receive & save an email confirming your transfer
How to receive transfers from NZD to AUD in Australia?
Your recipient has a few methods available to receive your money in Australia. These will vary between providers, but it is possible to find services that will:
- Deposit AUD directly into a bank account
- Enable the recipient to pick up cash a specific locations across Australia
- Deliver money directly to their door
- Send AUD to your recipient’s mobile wallet
If your recipient is going to collect or have the money delivered to them in Australia, then they will usually need the following:
- A government issued I.D document
- The money transfer reference number
- Senders details and the amount of money sent
How much money can be transferred from New Zealand to Australia?
The amount of AUD you can receive from New Zealand will largely depend on the money transfer service you are using. There are providers that specialise in smaller remittance payments, and providers who specialise in larger transfers.
You should also check if there are any government regulations pertaining to the amount of AUD that can be received in Australia or sent from New Zealand before making your transfer.
April is a trained journalist and the Content Editor for MoneyTransfers.com. She has 10 years experience writing about a diverse range of subjects, from financial services to arts and entertainment. When she’s not writing about global remittances she can be found daydreaming about her next holiday abroad.