We compared 10 companies sending money from the United States to New Zealand. Key Currency is the best and cheapest, while Revolut is the fastest.
Sending $7,000 with Key Currency gets your recipient 12,324.71 NZD at 1.7607 NZD per USD.
| 10 of 10 providers Last updated on 28 September 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/NZD transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $28.97 1 USD = 1.7660 NZD -0.05% vs mid-market | Recipient gets $12,310.84 Next day | |
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 = 1.7660 NZD $12,310.84You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 1.7575 NZD +0.43% vs mid-market | Recipient gets $12,302.50 Minutes - 24 hours | |
Ways to receive money in New Zealand with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.7575 NZD $12,302.50You 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 = 1.7607 NZD +0.25% vs mid-market | Recipient gets $12,324.71 Minutes - 3 days | |
Ways to receive money in New Zealand with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 1.7607 NZD $12,324.71You pay$7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 1.7603 NZD +0.27% vs mid-market | Recipient gets $12,322.23 Minutes - 24 hours | |
Ways to receive money in New Zealand with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.7603 NZD $12,322.23You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $28.97 1 USD = 1.7660 NZD -0.05% vs mid-market | Recipient gets $12,310.84 Next day | |
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 = 1.7660 NZD $12,310.84You pay$7,000.00 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 1.7575 NZD +0.43% vs mid-market | Recipient gets $12,302.50 Minutes - 24 hours | |
Ways to receive money in New Zealand with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.7575 NZD $12,302.50You pay$7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee $0.00 1 USD = 1.7574 NZD +0.44% vs mid-market | Recipient gets $12,301.80 Minutes - 24 hours | |
Ways to receive money in New Zealand with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.7574 NZD $12,301.80You pay$7,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 USD = 1.7563 NZD +0.50% vs mid-market | Recipient gets $12,293.82 Minutes - 24 hours | |
Ways to receive money in New Zealand with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 1.7563 NZD $12,293.82You pay$7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $40.50 1 USD = 1.7646 NZD +0.03% vs mid-market | Recipient gets $12,281.03 Same day | |
Ways to receive money in New Zealand with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day $40.501 USD = 1.7646 NZD $12,281.03You 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 $2.83 1 USD = 1.7540 NZD +0.63% vs mid-market | Recipient gets $12,273.00 Minutes - 24 hours | |
Ways to receive money in New Zealand with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $2.831 USD = 1.7540 NZD $12,273.00You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee $1.99 1 USD = 1.7510 NZD +0.80% vs mid-market | Recipient gets $12,257.00 Minutes - 24 hours | |
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 = 1.7510 NZD $12,257.00You pay$7,001.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $1.991 USD = 1.7510 NZD $12,257.00You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 1.7425 NZD $12,197.50You pay$7,075.99 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 1.7575 NZD +0.43% vs mid-market | Recipient gets $12,240.99 Minutes - 24 hours | |
Ways to receive money in New Zealand with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 1.7575 NZD $12,240.99You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $5.99 1 USD = 1.7425 NZD +1.29% vs mid-market | Recipient gets $12,197.50 Minutes - 24 hours | |
Ways to receive money in New Zealand with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $5.991 USD = 1.7425 NZD $12,197.50You pay$7,005.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 1.7060 NZD $11,942.00You pay$7,074.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $179.99 1 USD = 1.7425 NZD +1.29% vs mid-market | Recipient gets $12,197.50 Minutes - 24 hours | |
Ways to receive money in New Zealand with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $179.991 USD = 1.7425 NZD $12,197.50You pay$7,179.99 | |||
 Moneycorp Pay via Bank transfer | Fee $0.00 1 USD = 1.7404 NZD +1.40% vs mid-market | Recipient gets $12,182.62 Minutes - 2 days | |
Ways to receive money in New Zealand with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 USD = 1.7404 NZD $12,182.62You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 1.7082 NZD +3.28% vs mid-market | Recipient gets $11,957.40 Minutes - 24 hours | |
Ways to receive money in New Zealand with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 1.7082 NZD $11,957.40You pay$7,060.79 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 1.7575 NZD +0.43% vs mid-market | Recipient gets $11,933.43 Minutes - 24 hours | |
Ways to receive money in New Zealand with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 1.7575 NZD $11,933.43You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 1.7651 NZD Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Key Currency is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with Wise.
For large transfers using 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.
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 day or two).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but its 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).
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.
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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $500 | 0.27% | $0.00 | $880.55with bank transfer to bank deposit | +$40.09 | |
| $2,000 | 0.27% | $0.00 | $3,519.80with bank transfer to bank deposit | +$67.80 | |
| $5,000 | 0.00% | $22.79 | $8,789.01with bank transfer to bank deposit | +$68.19 | |
| $7,000This page | 0.25% | $0.00 | $12,324.71with bank transfer to bank deposit | +$99.62 | |
| $10,000 | 0.25% | $0.00 | $17,611.41with bank transfer to bank deposit | +$148.07 |
Mid-market rate: 1 USD = 1.7651 NZD
There are 10 companies available for sending money from the US to New Zealand, across broker, online, app, multi-currency account, global account, and in person, and more.
For regular transfers home
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 -0.05% markup, saves your recipient's details for next time, and NZD arrives in next day.
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
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 12,257 NZD in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off 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 12,310.84 NZD after a $28.97 fee and -0.05% markup.
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
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.
It's also good to check Wise since you get a bulk discount on transfers over $25,000.
Business payments from the US
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
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 -0.05% markup plus small fee and holds the NZD until you spend it.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 12,324.71 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 the 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 nearest MoneyGram branch and had over $7,000.
MoneyGram is the cheapest option and will get you 12,257 NZD on $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, Venmo and Cash App only support domestic transfers, so they cannot send money to New Zealand.
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.
You pay $7,000.00
$12,325
Cheapest
You pay $7,001.99
$12,257
-$68
You pay $7,001.99
$12,257
-$68
You pay $7,000.00
$12,241
-$84
You pay $7,005.99
$12,198
-$127
You pay $7,075.99
$12,198
-$127
You pay $7,179.99
$12,198
-$127
You pay $7,060.79
$11,957
-$367
You pay $7,074.99
$11,942
-$383
You pay $7,000.00
$11,933
-$391
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
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 12,324.71 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 12,281.03 NZD, with the money arriving in same day.
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.
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.
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.
For transfers over $10,000, Wise is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to New Zealand.
While Wise 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.
The rate changes how much NZD your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 1.762625 NZD
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between New Zealand and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to New Zealand.
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.
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