How to send money to New Zealand from India with the best INR-NZD rate

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

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

Transferring the other way? Send NZD from New Zealand to India instead.
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November 19th, 2025

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Best money transfer companies

Send money from India to New Zealand

Last updated: Today
Mid-market rate as of 11/19/2025: 1 INR = 0.019949 NZD
Results below are based on a 22100 INR search
Promoted
Wise
Recipient gets (NZD)
$427.93
Full transfer details

"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
Sort by:
0 of 5 providers
1
Wise
Recipient gets (NZD)
$427.93
Full transfer details

"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
Send cash via a Western Union agent
2
Western Union Agent
Recipient gets (NZD)
$418.77
Full transfer details

"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."

7.7
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send cash via a MoneyGram agent
3
MoneyGram Agent
Recipient gets (NZD)
$418.77
Full transfer details

"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."

7.5
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send Money Between PayPal Accounts
4
PayPal App
Recipient gets (NZD)
$414.35
Full transfer details

"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."

5.4
Personal account manager
Multi-currency card
Receive to bank account or debit card
P2P transfer
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.
Promoted
Wise
Recipient gets (NZD)
$427.93
Full transfer details

"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

Best recommended: Wise

Wise is our top pick for sending Indian Rupee to New Zealand.

Of the 5 money transfer providers tested and reviewed, Wise scored highly for its competitive rates and fees.

For example, sending 22,100 INR to NZD will cost you ₹648.79 in fees, and you will receive 427.93 NZD.

Make your India to New Zealand transfer using Wise for the best mix of cost and speed.

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

How to get the best deal on sending money from India to New Zealand

Summary of recent searches

Top rated for transfers from India to New Zealand
Wise
Total number of IN - NZ providers
5
Average cheapest fees & rate
Ria Money Transfer
Average fastest transfer
PayPal App
Average transfer time
Within minutes
Best for bank transfers
Ria Money Transfer
Best for debit card
PayPal App
Best for credit card
PayPal App

What to consider ahead of money transfers from India to New Zealand

1

Compare providers

Comparing based on your specific needs is the best way to send money from India to New Zealand with confidence.

Our analysis, and search results, include 5 providers that operate between India and New Zealand. These are ranked by speed, overall cost and ease of use.

Through this, you get a comprehensive view of all the options you have in India when you need to send money to New Zealand.

2

Understand the Indian Rupee-New Zealand Dollar exchange rate

3

Choose the right payment method

4

Use providers regulated in India and New Zealand

5

Consider transfer limits

6

Receiving money in New Zealand

7

Have your ID ready

8

Don't forget about taxes

The fastest way to send money to New Zealand from India is by sending cash

Cash transfers are almost instant in most cases.

However, in some cases, it can take a few days to process, depending on your branch, how much you are sending, and the deposit method you use.

Considering there aren’t many INR/NZD transfer options available, this is by far the fastest way to do it.

The cheapest way to to send money to New Zealand from India is via PayPal P2P Transfer

The coverage of INR/NZD transfer options is very limited, therefore, PayPal’s P2P transfer service is one of the cheaper options you have, along with cash transfer via Western Union and MoneyGram.

With PayPals P2P transfer, the main cost is the conversion between currencies, which can go as high as % on top of the mid market rate, as well as a INR transfer fee.

You can also opt to use a cash transfer via MoneyGram or Western Union, which are cheaper in some cases (depending on the amount, deposit method, and your branch).

Screenshot

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to New Zealand from India needs a strong exchange rate and effective transfer management.

From the
5 options we compared, Currencies Direct offers the strongest all-round option for large transfers to New Zealand from India.

Whatever the reason, sending large sums of money can be expensive if you get a bad exchange rate from New Zealand Dollars to New Zealand Dollar.

As such, we recommend Currencies Direct for large New Zealand transfers.

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

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

The Mid-Market and Exchange Rates: Today, the INR-NZD mid-market rate equals 0.02 NZD per Indian Rupee.

  • For reference, the INR-NZD average mid-market rate for the past 7 days has been 0.0199 NZD per Indian Rupee, with a high of 0.02 and a low of 0.0198.

  • The company offering the best exchange rate is Wise.

  • Often the INR-NZD exchange rate you receive is the bigger factor than how much it costs to send Indian Rupees to New Zealand.

Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Ria Money Transfer, cahrging 4 INR per transfer. We would recommend searching for your exact send amount to get an idea of fees.

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

Getting the best exchange rate for Indian Rupee to New Zealand Dollar

Tracking the mid-market rate can make a huge difference when sending money INR to NZD. The exchange rate you secure impacts how much NZD you get for your INR.

Mid-market Rate
1 
INR
=
0.020029 
NZD

Here's some data on recent trends in the mid-market rate.

  • Over the past 7 days, the interbank rate from INR to NZD has seen some fluctuation. On average, it has been 0.0199.

  • During this period, the highest value level was 0.02, with a low of 0.0198.

  • Wise, which is our recommended service to send money online from India to New Zealand offers an exchange rate that is only 0.25% above the mid-market rate.

Want to secure the best INR-New Zealand Dollar exchange rates?

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

Payment methods available to fund your India to
New Zealand transfer

  • Bank transfers

    Bank transfers are often the better option for money transfers from India to New Zealand.

    Sending money via a bank transfer with a company such as Ria Money Transfer for transfers from India to New Zealand allows you to benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    On average, Ria Money Transfer is the best provider for bank transfers of the 5 we tested when sending INR to New Zealand.

    With a fee of INR4 to send money from India to New Zealand, Ria Money Transfer offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from India to New Zealand with a prepaid or a debit card is very simple with Western Union Agent.


    Western Union Agent is a leader in card payments for transfers from India to New Zealand, competing among a total of 5 active money transfer companies on this route.

  • Credit cards

    When it comes to international credit card transfers from India to New Zealand, we recommend comparing your options to get the best deal.

    Beware of fees: using a credit card to transfer money often results in a fee being charged by your card issuer. Where possible, we recommend a bank transfer or debit card payment instead.

How we analyze the market

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


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 India to New Zealand.


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


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

Money transfer company reviews

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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 the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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