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Send money to New Zealand
"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."
"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."
"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."
"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."
"Revolut has 50+ million customers globally. You can hold up to 36 currencies in the app and send money quickly in 70+ currencies to 160+ countries."
"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."
"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."
"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."
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"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."
"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."
"Lumon has cared for over 69,000 customers since 2000. Get support for larger transfers from dedicated currency specialists."
"Xoom, a PayPal service, allows you to send money in more than 160 countries. You can send cash for over-the-counter pickup or home delivery, as well as send by bank transfer or debit card."
"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."
"Fast, secure internatinal transfers with no fees and transparent rates. They offer a free currency card for use at home and abroad."
"Paysend has transparent fees and rates, with transfer sent within seconds to your recipient's bank. They also have global 24/7 support for any enquiries, and bank-level security."
"Moneycorp is an established player in the market, with a focus on private clients and corporates. Make overseas payments in over 120 currencies and 190 countries."
"Moneygram is a well established service with over 80 years in the sector. They support over 200 countries worldwide and have over 440,000 retail locations."
How to send money to New Zealand with the best rate
- Always compare rates
Don't pay more than you have to. Use our live comparison tool to make sure you aren't missing the best rates when sending money to New Zealand.
- Choose a provider
Select the provider that offers you the most NZD and fits your needs.
- Click, sign up & send
Follow the steps & make your transfer. Your funds will soon be on their way to your chosen country & currency.
About money transfers to New Zealand
Wise: The best way to send money to New Zealand
We’ve tested 15 companies offering services in New Zealand, and Wise stood out as the best money transfer company to New Zealand.
They offer low fees of just $27.58 and -0.03% markup on NZD exchange rates, and fast transfer speeds.
Wise offers an ideal combination of features, speed, and cost for NZD transfers.
Key Currency is the cheapest way to send money to New Zealand
Key Currency charges $0 per transfer and adds a 0.25% markup on top of the New Zealand Dollar exchange rate.
bank transfer is the cheapest funding option when sending money to New Zealand. Pair it together with Key Currency, to get the most out of your NZD transfer.
Fastest way to send money to New Zealand: Currencyflow
Our data shows that Currencyflow is the fastest way to transfer NZD right now.
With Currencyflow, the transfer time to New Zealand is minutes - 24 hours (for a $7,000 transfer).
Currencyflow charges $0 in fees on $7,000 transfer and adds a 0.26% markup.
The ‘fastest’ way to transfer money to New Zealand includes the transfer amount, deposit method, and transfer and withdrawal times.
The easiest way to send money to New Zealand: Wise
They offer transparent fees, charging $27.58 per transfer with -0.03% markup added to the NZD rate.
Getting started with Wise takes less than 3 minutes, making it a fast, affordable, and user-friendly choice for sending New Zealand Dollars.
Consider this before sending money to New Zealand
Don’t just go with the first option you find.
Comparing transfer services before sending money to New Zealand can save you both time and money.
Different providers vary in transfer fees, NZD exchange rates, and delivery speeds, and these differences add up.
Our analysis includes 15 money transfer services that support transfers to New Zealand:
Key Currency is the cheapest overall
Currencyflow ranked highest for transfer speed.
Wise offered the best NZD exchange rates overall.
With NZD transfers, even small percentage differences can impact what your recipient actually receives, so a quick comparison is worth it.
Need to send over $10,000?
For transfers over $10,000, your best bet is Wise.
While Wise may not always be the cheapest or fastest way to send NZD, but they offer the best exchange rate, years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
Understanding the costs involved when moving money to New Zealand
When calculating the cost of money transfers to New Zealand, here's what really matters: the country of origin, amount, payment method, fees, and the markup on the NZD exchange rate.
Exchange rate markup
This is a percentage added on top of the "real" NZD rate (known as the mid-market rate).
Wise, for example, offers the best exchange rate. It adds -0.03% markup to the USD-NZD exchange rate (1.6696 NZD - -0.03% per US Dollar).
Transfer fees
These are fixed and/or percentage fees added for the service when sending money to New Zealand.
Let's imagine you want to send $7,000 from the US to New Zealand.
After analyzing 15 companies supporting New Zealand Dollar, we found Key Currency to offer the lowest fees ( $0 in fees and 0.25% markup).
However, exact fees vary by deposit method and the service, for example:
Bank transfers vary from $0 to $490.00000000000006
Debit cards range from $0 to $0
Credit card fees vary a lot, mainly due to cash advance fees and/or additional fees from your credit card provider.
Getting the best NZD rate when sending money to New Zealand Dollar
The exchange rate is the value of the New Zealand Dollar (NZD) compared to other currencies. Since it consistently moves up and down, sending at the high will give your receiver more NZD compared to the low.
In the past 7 days, the NZD exchange rate reached:
An average rate of 1.6548 New Zealand Dollar per US Dollar
A high of 1.6673 NZD per USD
And a low of 1.646 NZD per US Dollar
The NZD/USD exchange rate has seen some movements. Making a transfer when the rate is close to 1.6673 NZD/USD will result in more NZD received.
Wise is our top recommendation for sending New Zealand Dollar, offering a markup of -0.03% which is 0% better than the next cheapest option.
Get notified when it’s the best time to transfer New Zealand Dollars
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Payment methods available for money transfers to New Zealand
How you fund your money transfer to New Zealand directly affects the speed, cost, and the amount of NZD your recipient will receive. Here are the most common options for funding your transfer to New Zealand:
Bank transfers
Bank deposits are reliable and common for international NZD transfers, available through most services.
While they tend to be cheaper, it may take up to 2-3 business days for the funds to arrive.
You also may have an option to use the SWIFT network for a bank deposit to New Zealand, avoid it where possible. SWIFT deposits are slow and expensive, instead check if there are cheaper options.
Based on our recent testing of 15 providers accepting New Zealand transfers, we found Key Currency to be the cheapest option, charging $0 per transfer with a 0.25% markup.
Debit and prepaid cards
Debit card transfers to New Zealand are generally faster than bank transfers. Most NZD transactions will be completed within a few hours. However, this convenience usually comes with increased fees.
We recommend Xe for debit and prepaid card deposits when sending money to New Zealand. Xe charges a 1.41% markup on the NZD rate and $0 in transfer fees.
Credit cards
A credit card deposit is another option for sending NZD to New Zealand.
Typically it is more expensive, and your CC company may charge you cash advance fees, and apply increased interest rates.
If you want to fund your transfer to New Zealand with a credit card, we recommend running a live comparison to get the best deal.
How we analyze the market
We track the cost, speed, and product offerings of the leading money transfer services available in 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 to New Zealand.
We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to find the best service for your needs when sending money to New Zealand
For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.
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FAQs
Find answers to the most common questions on our dedicated FAQ page.
