Best companies for NZD/EUR transfers
7 of 7 providers Last updated on 28 October 2026
Based on 10,000 NZD transfer Best companies for NZD/EUR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fees: $27.07 1 NZD = 0.5047 EUR 0.00% vs mid-market	Recipient gets €5,033.33 Same day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Germany with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $27.071 NZD = 0.5047 EUR €5,033.33You pay$10,000.00
Promoted Xe Pay via Bank transfer	Fees: $0.00 1 NZD = 0.4991 EUR +1.11% vs mid-market	Recipient gets €4,990.80 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Germany with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 0.4991 EUR €4,990.80You pay$10,000.00
Run a live search Showing top New Zealand to Germany 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 EUR rates.
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much NZD you're planning to spend in Germany.
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: $27.07 1 NZD = 0.5047 EUR 0.00% vs mid-market	Recipient gets €5,033.33 Same day
25 reviews CheapestRecommended Receive to bank accountDedicated support for large transfers
Ways to receive money in Germany with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $27.071 NZD = 0.5047 EUR €5,033.33You pay$10,000.00
TorFx Pay via Bank transfer	Fees: $0.00 1 NZD = 0.5032 EUR +0.30% vs mid-market	Recipient gets €5,031.78 6-12 Hours
2 reviews Receive to bank accountIdeal for buying property abroad
Ways to receive money in Germany with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 0.5032 EUR €5,031.78You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fees: $40.75 1 NZD = 0.5043 EUR +0.08% vs mid-market	Recipient gets €5,022.46 Within minutes
10 reviews Fastest Receive to bank account
Ways to receive money in Germany with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.751 NZD = 0.5043 EUR €5,022.46You 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.
Currencies Direct Pay via Bank transfer	Fees: $0.00 1 NZD = 0.5017 EUR +0.59% vs mid-market	Recipient gets €5,017.00 6-12 Hours
3 reviews Receive to bank account
Ways to receive money in Germany with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 0.5017 EUR €5,017.00You pay$10,000.00
CurrencyFair Pay via Bank transfer	Fees: $5.94 1 NZD = 0.5012 EUR +0.69% vs mid-market	Recipient gets €5,009.00 6-12 Hours
3 reviews Receive to bank account
Ways to receive money in Germany with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.941 NZD = 0.5012 EUR €5,009.00You pay$10,000.00
Xe Pay via Bank transfer	Fees: $0.00 1 NZD = 0.4991 EUR +1.11% vs mid-market	Recipient gets €4,990.80 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Germany with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 NZD = 0.4991 EUR €4,990.80You pay$10,000.00
Moneycorp Pay via Bank transfer	Fees: $0.00 1 NZD = 0.4976 EUR +1.40% vs mid-market	Recipient gets €4,976.26 Next Day
0 reviews
Ways to receive money in Germany with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 NZD = 0.4976 EUR €4,976.26You pay$10,000.00
Xe Pay via Debit card	Fees: $40.00 1 NZD = 0.4991 EUR +1.11% vs mid-market	Recipient gets €4,970.84 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Germany with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $40.001 NZD = 0.4991 EUR €4,970.84You pay$10,000.00
Xe Pay via Credit card	Fees: $90.00 1 NZD = 0.4991 EUR +1.11% vs mid-market	Recipient gets €4,945.88 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Germany with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $90.001 NZD = 0.4991 EUR €4,945.88You pay$10,000.00
How Our Results Work Mid-market rate: 1 NZD = 0.5047 EUR Updates every 60 minutes.

Why compare

NZD/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from New Zealand to Germany

Pick a company

If you're sending a one-off transfer, then Wise is the best option.

Wise was the cheapest on 27 of the 30 days it quoted NZ$10,000 transfers to Germany.

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 .

Fund your transfer

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.

Verify and send

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.

Compare amounts

How much NZD are you sending to Germany?

How much NZD you send to Germany 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 47% of the transfers from NZ$10,000 it quoted, and in 50% of all the transfers it quoted.


$1,000	0.24%	$0.75	€503.32with bank transfer to bank deposit	+€4.25
$5,000	0.04%	$14.11	€2,513.22with bank transfer to bank deposit	+€23.37
$10,000This page	0.00%	$27.07	€5,033.33with bank transfer to bank deposit	+€33.62
$50,000	0.20%	$0.00	€25,167.86with bank transfer to bank deposit	+€126.72
$250,000	0.15%	$0.00	€126,040.16with bank transfer to bank deposit	+€587.77

Mid-market rate: 1 NZD = 0.5047 EUR

NZD/EUR Exchange Rate History

Is today a good time to send money from New Zealand to Germany?

The cheapest way to send NZD to EUR 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 Germany.

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 EUR 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 EUR on every transfer from New Zealand.

Right now, Wise pays 5,033.33 EUR on 10,000 NZD, which is 13.59 EUR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 5,085.87 EUR.

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.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Germany.

We've tracked 108 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

WiseAppeared in 108 comparisons
Cheapest in 50% of them
TorFxAppeared in 55 comparisons
Cheapest in 5% of them
RevolutAppeared in 102 comparisons
Cheapest in 21% of them

Based on 108 comparisons across 5 amounts over the last 30 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 EUR, and it was also the cheapest in 50% of the 108 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Germany.

TorFx (today's second cheapest) was the cheapest in only 5% of its comparisons, so it's rarely the cheapest option for transfers to Germany.

Ways to send money from New Zealand to Germany

7 companies cover NZD/EUR transfers, between them you can send money via broker, online, app, multi-currency account, and global account, and more.

Cheapest way to send NZD

Online money transfers

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$27.07 and 0% markup on a NZ$10,000 transfer.

This will get you 5,033.33 EUR and it will arrive in same day.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Best support options

Currency brokers

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/EUR 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

Multi-currency accounts

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% markup and holds the EUR 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 Germany and spending it there.

For business payments from NZ

Global accounts

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 Germany, or getting paid in EUR.

Ways to fund NZD and receive EUR in Germany

With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending NZ$10,000 gives your recipient 5,033.33 EUR.

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 Germany.

The recipient in Germany 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.

1

Bank transfer Bank deposit

You pay NZ$10,000.00

€5,033

Cheapest
2

Debit card Bank deposit

You pay NZ$10,000.00

€4,971

-€62
3

Credit card Bank deposit

You pay NZ$10,000.00

€4,946

-€87

What to consider when sending NZD to Germany

Here are a few things to know about money transfers from New Zealand to Germany.

Compare NZD/EUR transfer options

For a NZ$10,000 transfer to Germany, 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 5,033.33 EUR, which is 0.03% more than the next best option.

Fastest

Revolut delivers 5,022.46 EUR in within minutes when you pay by bank transfer and the recipient uses bank deposit.

A NZ$1,000 report

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.

Bank funding is not always instant

New Zealand bank payments run daily, but the transfer company still needs to receive and match your payment before sending EUR.

Debit-card funding may be confirmed sooner, although it can cost more.

Gifts are not taxed in New Zealand

New Zealand abolished gift duty, so there is no New Zealand gift tax simply because you send money to family in Germany.

Keep a record showing that it was a gift, loan or transfer of your own money because the recipient's tax position can differ.

Transfer protection from New Zealand

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.

How we analyse the market

Most of our pricing comes straight from the companies, and anything collected by hand is labelled in the table as indicative.

That covers 7 registered financial service providers sending NZD to Germany, 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/EUR 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.

Send money from New Zealand

Send money to Germany

Send money from United States to Germany Send money from India to Germany Send money from Philippines to Germany Send money from Turkey to Germany Send money from United Kingdom to Germany Send money from Nigeria to Germany Send money from Canada to Germany Send money from Switzerland to Germany Send money from Mexico to Germany Send money from Colombia to Germany Send money from South Africa to Germany Send money from Australia to Germany

Tue, 29 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.4977	–	€4,977.14
Wise Cheapest	0.4978	$27.07	€4,964.08	−€13.06
TorFx	0.4962	$0.00	€4,962.21	−€14.93
Revolut	0.4973	$55.00	€4,945.68	−€31.46

Wed, 30 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.4982	–	€4,981.94
Wise Cheapest	0.4982	$27.07	€4,968.45	−€13.49
TorFx	0.4967	$0.00	€4,966.99	−€14.95
Revolut	0.4979	$55.00	€4,951.13	−€30.81

Thu, 1 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.4963	–	€4,962.54
Wise Cheapest	0.4963	$27.07	€4,949.46	−€13.08
TorFx	0.4948	$0.00	€4,947.65	−€14.89
Revolut	0.4960	$55.00	€4,932.38	−€30.16

Fri, 2 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.4988	–	€4,987.71
Wise Cheapest	0.4988	$27.07	€4,974.29	−€13.42
TorFx	0.4973	$0.00	€4,972.75	−€14.96
Revolut	0.4984	$55.00	€4,956.55	−€31.16

Sat, 3 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.4988	–	€4,988.30
Wise Cheapest	0.4990	$27.07	€4,976.05	−€12.25
TorFx	0.4973	$0.00	€4,973.34	−€14.96
Revolut	0.4977	$155.00	€4,899.99	−€88.31

Mon, 5 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.4997	–	€4,996.59
Wise Cheapest	0.4996	$27.07	€4,982.68	−€13.91
TorFx	0.4982	$0.00	€4,981.60	−€14.99
Revolut	0.4992	$55.00	€4,964.54	−€32.05

Tue, 6 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.4990	–	€4,989.59
Wise Cheapest	0.4990	$27.07	€4,976.23	−€13.36
TorFx	0.4975	$0.00	€4,974.62	−€14.97
Revolut	0.4986	$55.00	€4,958.47	−€31.12

Wed, 7 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.4995	–	€4,995.06
Wise Cheapest	0.4995	$27.07	€4,981.80	−€13.26
TorFx	0.4980	$0.00	€4,980.07	−€14.99
Revolut	0.4991	$55.00	€4,963.53	−€31.53

Thu, 8 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5000	–	€4,999.94
Wise Cheapest	0.4999	$27.07	€4,985.13	−€14.81
TorFx	0.4985	$0.00	€4,984.94	−€15.00
Revolut	0.4994	$40.75	€4,973.41	−€26.53

Fri, 9 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5002	–	€5,001.83
Wise Cheapest	0.5002	$27.07	€4,988.02	−€13.81
TorFx	0.4987	$0.00	€4,986.82	−€15.01
Revolut	0.4997	$40.75	€4,977.00	−€24.83

Sat, 10 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5004	–	€5,003.82
Wise Cheapest	0.5010	$27.07	€4,996.04	−€7.78
TorFx	0.4989	$0.00	€4,988.81	−€15.01
Revolut	0.4998	$140.75	€4,927.60	−€76.22

Mon, 12 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5001	–	€5,001.23
Wise Cheapest	0.5001	$27.07	€4,987.58	−€13.65
TorFx	0.4986	$0.00	€4,986.23	−€15.00
Revolut	0.4997	$40.75	€4,976.26	−€24.97

Wed, 14 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5019	–	€5,019.47
Wise Cheapest	0.5020	$27.07	€5,006.07	−€13.40
TorFx No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5004	–	€5,004.43
Wise Cheapest	0.5005	$27.07	€4,991.36	−€13.07
TorFx	0.4989	$0.00	€4,989.42	−€15.01
Revolut	0.5000	$40.75	€4,979.89	−€24.54

Fri, 16 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5039	–	€5,039.04
Wise Cheapest	0.5039	$27.07	€5,025.50	−€13.54
TorFx	0.5024	$0.00	€5,023.92	−€15.12
Revolut	0.5035	$40.75	€5,014.41	−€24.63

Sat, 17 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5036	–	€5,035.52
TorFx Cheapest	0.5020	$0.00	€5,020.41	−€15.11
Wise	0.5032	$27.07	€5,018.64	−€16.88
Revolut	0.5022	$140.75	€4,951.50	−€84.02

Mon, 19 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	0.5050	$27.07	€5,036.76	–
Revolut	0.5046	$40.75	€5,025.84	–
TorFx No quote collected this day	–	–	–	–

Tue, 20 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	–	–	–
Wise Cheapest	0.5065	$27.07	€5,051.07	–
TorFx No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5067	–	€5,066.59
Wise Cheapest	0.5067	$27.07	€5,053.53	−€13.06
TorFx	0.5051	$0.00	€5,051.39	−€15.20
Revolut	0.5062	$40.75	€5,041.43	−€25.16

Thu, 22 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5064	–	€5,064.14
Wise Cheapest	0.5064	$27.07	€5,050.59	−€13.55
TorFx	0.5049	$0.00	€5,048.95	−€15.19
Revolut	0.5060	$40.75	€5,039.22	−€24.92

Fri, 23 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5080	–	€5,080.10
Wise Cheapest	0.5081	$27.07	€5,066.83	−€13.27
TorFx	0.5065	$0.00	€5,064.86	−€15.24
Revolut	0.5076	$40.75	€5,055.49	−€24.61

Sat, 24 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5098	–	€5,098.49
TorFx Cheapest	0.5083	$0.00	€5,083.19	−€15.30
Wise	0.5090	$27.07	€5,076.15	−€22.34
Revolut	0.5082	$140.75	€5,010.02	−€88.47

Mon, 26 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5077	–	€5,076.75
Wise Cheapest	0.5076	$27.07	€5,062.57	−€14.18
TorFx	0.5062	$0.00	€5,061.52	−€15.23
Revolut	0.5072	$40.75	€5,050.96	−€25.79

Tue, 27 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5099	–	€5,099.41
Wise Cheapest	0.5100	$27.07	€5,085.87	−€13.54
TorFx	0.5084	$0.00	€5,084.11	−€15.30
Revolut	0.5095	$40.75	€5,074.59	−€24.82

Wed, 28 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	0.5047	–	€5,046.92
Wise Cheapest	0.5047	$27.07	€5,033.33	−€13.59
TorFx	0.5032	$0.00	€5,031.78	−€15.14
Revolut	0.5043	$40.75	€5,022.46	−€24.46

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

Best companies for NZD/EUR transfers