Best companies for USD/NZD transfers
10 of 10 providers Last updated on 10 November 2026
Based on 7,000 USD transfer Best companies for USD/NZD transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $28.97 1 USD = 1.7737 NZD +0.02% vs mid-market	Recipient gets $12,364.38 Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in New Zealand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $28.971 USD = 1.7737 NZD $12,364.38You pay$7,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 1.7653 NZD +0.50% vs mid-market	Recipient gets $12,357.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in New Zealand with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.7653 NZD $12,357.10You pay$7,000.00
Run a live search Showing top United States to New Zealand deals for 7,000 USD. 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 USD to NZD rates.
Run a live search These companies offer multi-currency accounts for spending NZD. We suggest doing a live search based on how much USD you're planning to spend in New Zealand.
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: Special Rate for 1st Transfer Key Currency Pay via Bank transfer	Fee $0.00 1 USD = 1.7697 NZD +0.25% vs mid-market	Recipient gets $12,387.72 Minutes - 3 days
4 reviews Cheapest Personal account managerReceive to bank account
Ways to receive money in New Zealand with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 1.7697 NZD $12,387.72You pay$7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 1.7693 NZD +0.27% vs mid-market	Recipient gets $12,385.24 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in New Zealand with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.7693 NZD $12,385.24You pay$7,000.00
Wise Pay via Bank transfer	Fee $28.97 1 USD = 1.7737 NZD +0.02% vs mid-market	Recipient gets $12,364.38 Next day
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in New Zealand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $28.971 USD = 1.7737 NZD $12,364.38You pay$7,000.00
Xe Pay via Bank transfer	Fee $0.00 1 USD = 1.7653 NZD +0.50% vs mid-market	Recipient gets $12,357.10 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in New Zealand with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.7653 NZD $12,357.10You pay$7,000.00
OFX Pay via Bank transfer	Fee $0.00 1 USD = 1.7652 NZD +0.50% vs mid-market	Recipient gets $12,356.68 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in New Zealand with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.7652 NZD $12,356.68You pay$7,000.00
Currencies Direct Pay via Bank transfer	Fee $0.00 1 USD = 1.7651 NZD +0.51% vs mid-market	Recipient gets $12,355.70 Minutes - 24 hours
3 reviews Personal account managerMulti-currency cardReceive to bank account
Ways to receive money in New Zealand with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.7651 NZD $12,355.70You pay$7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $40.50 1 USD = 1.7724 NZD +0.10% vs mid-market	Recipient gets $12,334.78 Same day
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in New Zealand with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $40.501 USD = 1.7724 NZD $12,334.78You pay$7,000.00
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.
CurrencyFair Pay via Bank transfer	Fee $2.82 1 USD = 1.7620 NZD +0.68% vs mid-market	Recipient gets $12,329.00 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in New Zealand with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $2.821 USD = 1.7620 NZD $12,329.00You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $1.99 1 USD = 1.7609 NZD +0.75% vs mid-market	Recipient gets $12,326.30 Minutes - 24 hours
2 reviews
Ways to receive money in New Zealand with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Receive via textMinutes - 24 hoursAvailable via:RCVRCHOICE $1.991 USD = 1.7609 NZD $12,326.30You pay$7,001.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $1.991 USD = 1.7609 NZD $12,326.30You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 1.7609 NZD $12,326.30You pay$7,075.99

$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $5.99 1 USD = 1.7609 NZD +0.75% vs mid-market	Recipient gets $12,326.30 Minutes - 24 hours
2 reviews
Ways to receive money in New Zealand with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $5.991 USD = 1.7609 NZD $12,326.30You pay$7,005.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 1.7158 NZD $12,010.60You pay$7,074.99
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $179.99 1 USD = 1.7609 NZD +0.75% vs mid-market	Recipient gets $12,326.30 Minutes - 24 hours
2 reviews
Ways to receive money in New Zealand with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 1.7609 NZD $12,326.30You pay$7,179.99
Xe Pay via Debit card	Fee $35.00 1 USD = 1.7653 NZD +0.50% vs mid-market	Recipient gets $12,295.31 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in New Zealand with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 1.7653 NZD $12,295.31You pay$7,000.00
Moneycorp Pay via Bank transfer	Fee $0.00 1 USD = 1.7493 NZD +1.40% vs mid-market	Recipient gets $12,244.91 Minutes - 2 days
0 reviews
Ways to receive money in New Zealand with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 USD = 1.7493 NZD $12,244.91You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 1.7179 NZD +3.22% vs mid-market	Recipient gets $12,025.30 Minutes - 24 hours
2 reviews
Ways to receive money in New Zealand with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 1.7179 NZD $12,025.30You pay$7,060.79
Xe Pay via Credit card	Fee $210.00 1 USD = 1.7653 NZD +0.50% vs mid-market	Recipient gets $11,986.39 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in New Zealand with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 1.7653 NZD $11,986.39You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 1.7741 NZD Updates every 60 minutes.

Why compare

USD/NZD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to New Zealand

Pick a company

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

Key Currency was the cheapest on 22 of the 30 days it quoted $7,000 transfers to New Zealand.

For recurring transfers, I'd suggest using an app like Wise or a multi-currency account.

For large transfers, a broker like Key Currency is the best option.

If your recipient needs cash, MoneyGram is the cheapest.

How much you send will affect the best option for you right now.

Pay for it

You have 4 ways to pay for your transfer to New Zealand, including bank transfer, debit card, credit card, and cash deposit.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to New Zealand?

How much USD you send to New Zealand 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 Key Currency was the cheapest in 77% of the transfers from $5,000 it quoted, and in 77% of all the transfers it quoted.


$500	0.23%	$0.75	$884.02with bank transfer to bank deposit	+$33.95
$600	0.28%	$0.00	$1,061.58with bank transfer to bank deposit	+$32.43
$2,000	0.27%	$0.00	$3,538.60with bank transfer to bank deposit	+$55.38
$5,000	0.01%	$22.79	$8,832.66with bank transfer to bank deposit	+$63.72
$7,000This page	0.25%	$0.00	$12,387.72with bank transfer to bank deposit	+$94.29
$10,000	0.25%	$0.00	$17,682.33with bank transfer to bank deposit	+$129.60
$50,000	0.20%	$0.00	$88,434.03with bank transfer to bank deposit	+$608.99
$100,000	0.15%	$0.00	$177,021.57with bank transfer to bank deposit	+$1,236.70
$250,000	0.15%	$0.00	$442,756.12with bank transfer to bank deposit	+$2,382.13

Mid-market rate: 1 USD = 1.7741 NZD

USD/NZD Exchange Rate History

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

The cheapest way to send USD to NZD 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 Key Currency), across 30 days of comparisons for 7,000 USD transfers to New Zealand.

Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 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.

Understanding USD/NZD exchange rate

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 NZD per USD 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 NZD on every transfer from the US.

Right now, Key Currency pays 12,387.72 NZD on 7,000 USD, which is 31.05 NZD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 12,618.60 NZD.

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.

Is the cheapest money transfer company always the best?

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 analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Key Currency is the cheapest and gets you the most NZD, and it was also the cheapest in 77% of the 150 comparisons it appeared in over the past month.

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

Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to New Zealand.

Ways to send money from the US to New Zealand

There are 10 companies available for sending money from the US to New Zealand, across currency broker, online, app, multi-currency account, global business account, and in person, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

Wise charges $28.97 on a $7,000 transfer with 0.02% markup, saves your recipient's details for next time, and NZD arrives in next day.

Over the past month, Wise was the cheapest app on 77% of the days it appeared for $7,000 transfers.

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

Sending without a US bank account

Cash & in-person transfers

Paying in cash at an agent can work without a US bank account.

The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.

Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 12,326.30 NZD in minutes - 24 hours.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to New Zealand.

Of all online companies listed here, Wise gets you the most NZD per USD.

On a $7,000 transfer, you will get 12,364.38 NZD after a $28.97 fee and 0.02% markup.

In our comparisons over the past month, it was the cheapest online service on 23 of the 30 days it quoted.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to New Zealand (e.g. a property purchase, tuition, or moving to New Zealand), a broker like Key Currency charges no fee, gives you a dedicated account manager, and adds 0.25% markup on USD/NZD that gets lower the more you send.

Our analysis shows Key Currency was the cheapest broker in 91% of the transfers from $5,000 it quoted.

It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Wise is the best for holding and receiving NZD.

This is useful for traveling to New Zealand, building up NZD balance, or receiving payments in NZD.

Wise converts $7,000 at 0.02% markup plus small fee and holds the NZD until you spend it.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund USD and receive NZD in New Zealand

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 12,387.72 NZD.

Deposit USD by bank transfer, debit card, credit card, and cash deposit.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to New Zealand.

You can deposit cash

You'll need to visit the nearest MoneyGram branch and hand over $7,000.

MoneyGram is the cheapest option and will get you 12,326.30 NZD on a $7,000 transfer after fees.

Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.

Zelle and Cash App only send money within the US, so neither can send money to New Zealand.

Venmo now sends money internationally to PayPal users in 90+ countries.

Your recipient in New Zealand can collect NZD through bank deposit, receive via text, cash pickup, and card deposit.

They can collect cash in New Zealand

Your recipient can collect NZD from a participating MoneyGram location in New Zealand.

They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.

1

Bank transfer Bank deposit

You pay $7,000.00

NZ$12,388

Cheapest
2

Bank transfer Cash pickup

You pay $7,005.99

NZ$12,326

-NZ$61
3

Credit card Cash pickup

You pay $7,179.99

NZ$12,326

-NZ$61
4

Debit card Receive via text

You pay $7,001.99

NZ$12,326

-NZ$61
5

Debit card Card deposit

You pay $7,001.99

NZ$12,326

-NZ$61

Show moreShow less

6

Debit card Cash pickup

You pay $7,075.99

NZ$12,326

-NZ$61
7

Debit card Bank deposit

You pay $7,000.00

NZ$12,295

-NZ$92
8

Cash deposit Cash pickup

You pay $7,060.79

NZ$12,025

-NZ$362
9

Bank transfer Card deposit

You pay $7,074.99

NZ$12,011

-NZ$377
10

Credit card Bank deposit

You pay $7,000.00

NZ$11,986

-NZ$401

Things to consider before sending USD to New Zealand

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/NZD company

Cheapest way to send money to New Zealand

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 12,387.72 NZD, which is 0.02% more than the next best option.

Fastest way to send money to New Zealand

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 12,334.78 NZD, with the money arriving in same day.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to New Zealand?

For transfers over $10,000, Key Currency is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to New Zealand.

While Key Currency may not always be the cheapest or fastest way to send NZD, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between New Zealand and the United States. 

We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 270 comparisons across 9 amounts.

This page covers the cheapest and fastest options for USD/NZD 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.

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Related transfer routes

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Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7847	–	$12,492.76
Key Currency Cheapest	1.7802	$0.00	$12,461.53	−$31.23
Regency FX	1.7799	$0.00	$12,459.03	−$33.73
Wise	1.7846	$28.97	$12,440.50	−$52.26

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7856	–	$12,498.99
Key Currency Cheapest	1.7811	$0.00	$12,467.74	−$31.25
Regency FX	1.7807	$0.00	$12,465.24	−$33.75
Wise	1.7857	$28.97	$12,448.24	−$50.75

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7788	–	$12,451.88
Key Currency Cheapest	1.7744	$0.00	$12,420.75	−$31.13
Regency FX	1.7740	$0.00	$12,418.26	−$33.62
Wise	1.7789	$28.97	$12,400.63	−$51.25

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7811	–	$12,467.63
Key Currency Cheapest	1.7766	$0.00	$12,436.46	−$31.17
Regency FX	1.7763	$0.00	$12,433.97	−$33.66
Wise	1.7809	$28.97	$12,414.99	−$52.64

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7660	–	$12,361.69
MoneyGram Cheapest	1.7616	$1.99	$12,331.20	−$30.48
Key Currency	1.7615	$0.00	$12,330.78	−$30.90
Regency FX	1.7612	$0.00	$12,328.31	−$33.38
Wise	1.7660	$28.97	$12,310.84	−$50.84

How to send money to New Zealand from the US with the best USD-NZD rate

Best companies for USD/NZD transfers

How to send money from US to New Zealand

Pick a company

Pay for it

Check and send

How much USD are you sending to New Zealand?

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

Understanding USD/NZD exchange rate

Picking the cheapest money transfer company

Is the cheapest money transfer company always the best?

Ways to send money from the US to New Zealand

Money transfer apps

Cash & in-person transfers

Online transfers

Currency brokers

Global accounts

Multi-currency accounts

Ways to fund USD and receive NZD in New Zealand

Things to consider before sending USD to New Zealand

Find the right USD/NZD company

Cash-funded transfers now carry a 1% tax

The $10,000 rule is not a transfer limit

You normally have 30 minutes to cancel

Need to send a large amount of USD to New Zealand?

How we analyze the market

Related transfer routes

Send money from New Zealand

Send money to New Zealand

Recommendations

Tools & resources

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7673	–	$12,370.77
Key Currency Cheapest	1.7628	$0.00	$12,339.84	−$30.93
Regency FX	1.7625	$0.00	$12,337.37	−$33.40
Wise	1.7682	$28.97	$12,326.11	−$44.66

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7674	–	$12,371.77
Key Currency Cheapest	1.7630	$0.00	$12,340.84	−$30.93
Regency FX	1.7626	$0.00	$12,338.36	−$33.41
Wise	1.7674	$28.97	$12,320.67	−$51.10

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7586	–	$12,309.96
Key Currency Cheapest	1.7542	$0.00	$12,279.18	−$30.77
Regency FX	1.7538	$0.00	$12,276.72	−$33.24
Wise	1.7586	$28.97	$12,258.90	−$51.06

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7581	–	$12,306.95
Key Currency Cheapest	1.7537	$0.00	$12,276.18	−$30.76
Regency FX	1.7534	$0.00	$12,273.72	−$33.23
Wise	1.7584	$28.97	$12,257.86	−$49.08

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7573	–	$12,300.89
Key Currency Cheapest	1.7529	$0.00	$12,270.14	−$30.75
Regency FX	1.7525	$0.00	$12,267.68	−$33.21
Wise	1.7570	$28.97	$12,248.17	−$52.72

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7575	–	$12,302.19
Key Currency Cheapest	1.7531	$0.00	$12,271.43	−$30.75
Regency FX	1.7527	$0.00	$12,268.97	−$33.22
Wise	1.7576	$28.97	$12,252.42	−$49.76

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7509	–	$12,255.98
Key Currency Cheapest	1.7465	$0.00	$12,225.34	−$30.64
Wise	1.7536	$28.97	$12,224.54	−$31.44
Regency FX	1.7461	$0.00	$12,222.89	−$33.09

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7575	–	$12,302.61
Key Currency Cheapest	1.7531	$0.00	$12,271.85	−$30.75
Regency FX	1.7528	$0.00	$12,269.39	−$33.22
Wise	1.7575	$28.97	$12,251.38	−$51.23

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7575	–	$12,302.40
Key Currency Cheapest	1.7531	$0.00	$12,271.64	−$30.76
Regency FX	1.7527	$0.00	$12,269.18	−$33.22
Wise	1.7575	$28.97	$12,251.38	−$51.02

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7810	–	$12,466.93
Xe Cheapest	1.7783	$0.00	$12,448.10	−$18.83
Key Currency	1.7765	$0.00	$12,435.76	−$31.17
Regency FX	1.7762	$0.00	$12,433.27	−$33.66
Wise	1.7813	$28.97	$12,417.22	−$49.71

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7802	–	$12,461.42
Xe Cheapest	1.7772	$0.00	$12,440.40	−$21.02
Key Currency	1.7758	$0.00	$12,430.27	−$31.15
Regency FX	1.7754	$0.00	$12,427.78	−$33.64
Wise	1.7801	$28.97	$12,409.48	−$51.94

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7751	–	$12,425.35
Xe Cheapest	1.7720	$0.00	$12,404.00	−$21.35
Key Currency	1.7706	$0.00	$12,394.29	−$31.06
Regency FX	1.7703	$0.00	$12,391.80	−$33.55
Wise	1.7754	$28.97	$12,376.44	−$48.91

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7723	–	$12,405.85
Wise Cheapest	1.7760	$28.97	$12,380.83	−$25.02
Key Currency	1.7678	$0.00	$12,374.83	−$31.02
Regency FX	1.7675	$0.00	$12,372.35	−$33.50

Sun, Nov 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7724	–	$12,406.95
Wise Cheapest	1.7760	$28.97	$12,380.83	−$26.12
Key Currency	1.7680	$0.00	$12,375.94	−$31.01
Regency FX	1.7676	$0.00	$12,373.46	−$33.49

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7805	–	$12,463.36
Xe Cheapest	1.7779	$0.00	$12,445.30	−$18.06
Key Currency	1.7760	$0.00	$12,432.20	−$31.16
Regency FX	1.7757	$0.00	$12,429.71	−$33.65
Wise	1.7808	$28.97	$12,413.94	−$49.42

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7766	–	$12,436.41
Xe Cheapest	1.7739	$0.00	$12,417.30	−$19.11
Key Currency	1.7722	$0.00	$12,405.32	−$31.09
Regency FX	1.7718	$0.00	$12,402.83	−$33.58
Wise	1.7768	$28.97	$12,386.34	−$50.07

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7814	–	$12,470.08
Key Currency Cheapest	1.7770	$0.00	$12,438.90	−$31.18
Regency FX	1.7766	$0.00	$12,436.41	−$33.67
Wise	1.7817	$28.97	$12,420.56	−$49.52

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7703	–	$12,391.93
Key Currency Cheapest	1.7658	$0.00	$12,360.95	−$30.98
Regency FX	1.7655	$0.00	$12,358.47	−$33.46
Wise	1.7705	$28.97	$12,342.49	−$49.44

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7990	–	$12,592.76
Key Currency Cheapest	1.7945	$0.00	$12,561.27	−$31.48
Regency FX	1.7941	$0.00	$12,558.75	−$34.00
Wise	1.7989	$28.97	$12,540.05	−$52.70

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8031	–	$12,621.71
Key Currency Cheapest	1.7986	$0.00	$12,590.16	−$31.55
Regency FX	1.7982	$0.00	$12,587.64	−$34.07
Wise	1.8029	$28.97	$12,568.35	−$53.36

Sun, Nov 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.8072	–	$12,650.23
Key Currency Cheapest	1.8027	$0.00	$12,618.60	−$31.63
Regency FX	1.8023	$0.00	$12,616.07	−$34.16
Wise	1.8029	$28.97	$12,568.35	−$81.88

Mon, Nov 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7887	–	$12,521.18
Key Currency Cheapest	1.7843	$0.00	$12,489.88	−$31.30
Regency FX	1.7839	$0.00	$12,487.37	−$33.81
Wise	1.7884	$28.97	$12,467.20	−$53.98

Tue, Nov 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	1.7741	–	$12,418.77
Key Currency Cheapest	1.7697	$0.00	$12,387.72	−$31.05
Regency FX	1.7693	$0.00	$12,385.24	−$33.53
Wise	1.7737	$28.97	$12,364.38	−$54.39