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How to send money to Germany from New Zealand with the best NZD-EUR rate

Get the best deals on transfers from New Zealand to Germany. Find the cheapest, fastest, and best rated providers with the most competitive NZD to EUR exchange rates.

Read on for analysis and insights on the best ways to send money to Germany from New Zealand.

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July 6th, 2025
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Best money transfer companies

Send money from New Zealand to Germany

Last updated: Today
Mid-market rate as of 07/06/2025: 1 NZD = 0.514273 EUR
Results below are based on a 10000 NZD search
0 of 12 providers
Sponsored
Wise
Recipient gets (EUR)
€5,133.11
Full transfer details
Visit Wise
€145 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (EUR)
€5,017.50
Full transfer details
Visit Xe
€29 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
1
Wise
Recipient gets (EUR)
€5,133.11
Full transfer details
Visit Wise
€145 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Exclusive: First Transfer Deal
2
Regency FX
Recipient gets (EUR)
€5,128.84
Full transfer details
Visit Regency FX
€140 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
3
TorFx
Recipient gets (EUR)
€5,127.30
Full transfer details
Visit TorFx
€139 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
4
Currencies Direct
Recipient gets (EUR)
€5,112.00
Full transfer details
Visit Currencies Direct
€124 better than a typical bank*

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Personal account manager
Multi-currency card
Receive to bank account
5
CurrencyFair
Recipient gets (EUR)
€5,103.00
Full transfer details
Visit CurrencyFair
€115 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
6
OFX
Recipient gets (EUR)
€5,091.00
Full transfer details
Visit OFX
€103 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
7
Remitly
Recipient gets (EUR)
€5,040.00
Full transfer details
Visit Remitly
€52 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
8
Xe
Recipient gets (EUR)
€5,017.50
Full transfer details
Visit Xe
€29 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Revolut
Recipient gets (EUR)
€5,117.05
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (EUR)
    €4,970.62
    Not recommended
Sponsored
Wise
Recipient gets (EUR)
€5,133.11
Full transfer details
Visit Wise
€145 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (EUR)
€5,017.50
Full transfer details
Visit Xe
€29 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Our recommendation: Wise

Wise is our top choice for NZD to EUR transfers.

We tested & reviewed 12 money transfer providers offering money transfers from New Zealand to Germany, and Wise scored highly.

Sending 10,000 NZD to EUR will cost you $24.76 in fees, and you will receive 5,133.11 EUR. The delivery time usually is next day, but it depends on the day you make the transfer.

For a great mix of cost, speed & features, we recommend making your New Zealand to Germany transfer using Wise.

Wise is the top rated company for sending money from New Zealand (NZD) to Germany (EUR) - Wise Screenshot

How to compare deals on New Zealand to Germany money transfers

Summary of recent searches

Top rated for transfers from New Zealand to Germany
Wise
Total number of NZ - DE providers
12
Average cheapest fees & rate
Wise
Average fastest transfer
Regency FX
Average transfer time
Within minutes
Best for bank transfers
Wise
Best for debit card
Xe

Get the most from sending money from New Zealand to Germany

1
Compare providers

Comparing providers offering services between New Zealand and Germany based on your specific transfer amount, is the easiest way to get the best price on your transfer.

We cover the entire NZD-EUR market and have compared 12 providers offering services between New Zealand and Germany.

This ensures you will get the most comprehensive options for sending New Zealand Dollar to Germany.

Whilst we rate Wise as the best overall for transfers between the two countries, comparing gives you the best idea for your specific New Zealand to Germany transfer needs.

2
Beat the New Zealand Dollar-Euro exchange rate
3
Choose the right payment method
4
Financial regulations across New Zealand and Germany
5
Consider minimum and maximum limits
6
Receiving money in Germany
7
Be ready with your ID
8
Tax declarations

Cheapest way to transfer money to Germany from New Zealand: Wise

Wise offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending New Zealand Dollar to Germany.

Of the 12 providers compared, data shows that Wise is 0.08% cheaper than the second-best option.

The is cost is made up of an average NZD-EUR exchange rate that is -0.06% different to the mid-market rate and an average fee of 24.76* NZD.

If you want to secure the best rates on a NZD to Germany transfer, Wise will result in the most Euro received.

Wise is the cheapest way to send money from New Zealand (NZD) to Germany (EUR) - Wise Screenshot

Fastest company to send money to Germany from New Zealand: Regency FX.

We compared 12 companies for fast transfers from New Zealand Dollars to Germany and Regency FX came out on top.

For example, if you send 10,000 NZD with Regency FX to Germany now, the transfer time is minutes - 24 hours. Smaller transfers will likely be quicker, while larger transfers to Germany can take slightly longer.

Sending money through Regency FX to Germany from New Zealand has a fee of 0 NZD.

To understand who was the fastest, we tested Regency FX as part of 12 money transfer providers. Within this, we looked at the overall speed of sending money from New Zealand to Germany. This was made up of transfer times to Germany after New Zealand Dollars were added to a money transfer account.

When fast money transfers between New Zealand and Germany are a priority, Regency FX is our recommended choice.

Transfer a large amount of money

To transfer large sums of money from New Zealand to Germany, opt for a provider with a competitive exchange rate and hands on management.

Wise is the strongest option for large transfers of the
12 money transfer companies tested.

Whatever the reason is for the transfer, sending large amounts of money from New Zealand to Germany can become expensive through your bank or with the wrong provider.

Our data shows Wise as the best choice for sending large sums of money to Germany from New Zealand.

Understanding the costs involved when transferring money from New Zealand to Germany

When calculating the costs of money transfers between New Zealand and Germany, opt for the best combination of fees and exchange rates:

The Mid-Market and Exchange Rates: Today, the NZD-EUR mid-market rate equals 0.5154 EUR per New Zealand Dollar.

  • For reference, the NZD-EUR average mid-market rate for the past 7 days has been 0.5161 EUR per New Zealand Dollar, with a high of 0.5173 and a low of 0.5143.

  • The company offering the best exchange rate is Wise.

  • Often the NZD-EUR exchange rate you receive is the bigger factor than how much it costs to send New Zealand Dollars to Germany.

Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Wise, cahrging 24.76 NZD per transfer. We would recommend searching for your exact send amount to get an idea of fees.

Amount Received: The amount received in Euro is the biggest indicator the total cost of sending money from New Zealand to Germany. Essentially, the more the recipient receives in Germany, the less it is costing to send from New Zealand.

Getting best exchange rate for sending New Zealand Dollar to Euro

Timing is essential when tracking the mid-market rate between NZD and EUR. The end exchange rate you secure impacts how much EUR you get for your NZD.

Mid-market Rate
1 
=
0.515440 
EUR

The recent mid-market rate trends are:

  • Over the past 7 days, the mid-market rate from NZD to EUR was 0.5161.

  • During this period, it hit a high of 0.5173, and a low of 0.5143.

  • Wise, which is our recommended service to send money online from New Zealand to Germany offers an exchange rate that is only -0.06% above the mid-market rate.

Want to secure the best NZD-Euro exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from New Zealand to Germany!

Paying for your New Zealand to
Germany transfer

  • Bank transfers

    Paying via a bank transfer is often the better option for sending money from New Zealand to Germany.

    By using a money transfer company such as Wise for transfers from New Zealand to Germany, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    On average, Wise is the cheapest provider for bank transfers from the 12 we tested when sending NZD to Germany.

    With a fee of 24.76 NZD to send money from New Zealand to Germany, Wise offers the best combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from New Zealand to Germany with a debit or a prepaid card is easy with Wise.


    Wise is a one of the better options in the market for international debit card transfers from New Zealand to Germany.

  • Credit cards

    Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

    We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

    Be aware of fees: using a credit card to transfer money can mean being charged for a cash advance by your card provider. We always recommend a bank transfer or debit card payment if it is a possibility.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Germany and New Zealand.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from New Zealand to Germany.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send NZD to EUR.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

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Can I schedule regular transfers between New Zealand and Germany?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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