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How to send money to New Zealand from South Africa with the best ZAR-NZD rate

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

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

Transferring the other way? Send NZD from New Zealand to South Africa instead.
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July 8th, 2025
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Best money transfer companies

Send money from South Africa to New Zealand

Last updated: Today
Mid-market rate as of 07/08/2025: 1 ZAR = 0.093775 NZD
Results below are based on a 130000 ZAR search
0 of 9 providers
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (NZD)
$12,154.18
Full transfer details
Visit TorFx
$329 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (NZD)
$12,157.83
Full transfer details
Visit Regency FX
$333 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (NZD)
$12,160.27
Full transfer details
Visit Key Currency
$335 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: Special Rate for 1st Transfer
2
Currencyflow
Recipient gets (NZD)
$12,159.05
Full transfer details
Visit Currencyflow
$334 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Support via email, phone, live chat + WhatsApp
Exclusive: First Transfer Deal
3
Regency FX
Recipient gets (NZD)
$12,157.83
Full transfer details
Visit Regency FX
$333 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
4
TorFx
Recipient gets (NZD)
$12,154.18
Full transfer details
Visit TorFx
$329 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
5
OFX
Recipient gets (NZD)
$12,109.24
Full transfer details
Visit OFX
$284 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
6
Currencies Direct
Recipient gets (NZD)
$12,108.20
Full transfer details
Visit Currencies Direct
$283 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
7
CurrencyFair
Recipient gets (NZD)
$12,098.00
Full transfer details
Visit CurrencyFair
$273 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
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.
Lumon
Recipient gets (NZD)
$12,068.84
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (NZD)
$12,154.18
Full transfer details
Visit TorFx
$329 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (NZD)
$12,157.83
Full transfer details
Visit Regency FX
$333 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service

Best recommended: Currencies Direct

Currencies Direct is our top pick for sending Rand to New Zealand.

Of the 9 money transfer providers tested and reviewed, Currencies Direct scored highly for its competitive rates and fees.

For example, sending 130,000 ZAR to NZD will cost you R0 in fees, and you will receive 12,108.2 NZD.

Make your South Africa to New Zealand transfer using Currencies Direct for the best mix of cost and speed.

Currencies Direct is the top rated company for sending money from South Africa (ZAR) to New Zealand (NZD) - Currencies Direct Screenshot 1
Currencies Direct is the top rated company for sending money from South Africa (ZAR) to New Zealand (NZD) - Currencies Direct Screenshot 2

Getting the best deal on your South Africa to New Zealand transfer

Summary of recent searches

Top rated for transfers from South Africa to New Zealand
Currencies Direct
Total number of ZA - NZ providers
9
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency

Sending money from South Africa to New Zealand considerations

1
Compare providers

A comparison of providers offering services between South Africa and New Zealand is the easiest way to ensure the best deal.

We've compared 9 providers that offer services for sending Rand to New Zealand.

This ensures you will get the best options for your transfer to New Zealand from South Africa.

Whilst we rate Currencies Direct as the best overall, comparing gives you a comprehensive view of all the options for transferring money from South Africa to New Zealand.

2
Get the most from the Rand-New Zealand Dollar exchange rate
3
Choose the right payment method
4
Financial regulations in South Africa and New Zealand
5
Consider transfer limits
6
How to receive money
7
Have your ID ready
8
Tax declarations

Cheapest way to send money from South Africa to New Zealand: Key Currency

We compared 9 money transfer companies and Key Currency offers the cheapest transfer service between South Africa and New Zealand.

We found that Key Currency fees were 0 ZAR per transfer, and customers would expect an exchange rate between ZAR-NZD that is 0.25% different to the mid-market rate

Against the others tested, Key Currency is 0.01% cheaper than the second-best option.

To secure a cheap way to transfer ZAR to New Zealand, Key Currency is our recommendation.

Key Currency is the cheapest way to send money from South Africa (ZAR) to New Zealand (NZD) - Key Currency Screenshot

Fastest way to send money from South Africa to New Zealand: Currencyflow.

Currencyflow is the quickest way to send Rand to New Zealand of the 9 companies offering the service.

Based on a R130,000 transfer, Currencyflow transfer time for ZAR-NZD transfers is minutes - 24 hours.

Using Currencyflow for fast transfers from South Africa to New Zealand has a fee of 0 ZAR.

Within our comparison we looked at the 9 money transfer providers offering transfers from South Africa to New Zealand. Within this we looked at overall speed of sending money from South Africa to New Zealand after depositing Rand to a money transfer account.

When faster money transfers are a priority, Currencyflow is our recommended choice for sending into New Zealand from South Africa.

Currencyflow is the fastest way to send money from South Africa (ZAR) to New Zealand (NZD) - Currencyflow Screenshot

Send large sums of money abroad with Currencies Direct

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

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

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 South Africa to New Zealand

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

The Mid-Market and Exchange Rates: Today, the ZAR-NZD mid-market rate equals 0.0933 NZD per Rand.

  • For reference, the ZAR-NZD average mid-market rate for the past 7 days has been 0.0937 NZD per Rand, with a high of 0.0939 and a low of 0.0931.

  • The company offering the best exchange rate is Key Currency.

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

Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Key Currency, cahrging 0 ZAR 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 South Africa to New Zealand. Essentially, the more the recipient receives in New Zealand, the less it is costing to send from South Africa.

Getting best exchange rate for transfers between Rand and New Zealand Dollar

Timing is essential for transferring money between ZAR and NZD. The exchange rate you secure impacts how much NZD you get for your ZAR.

Mid-market Rate
1 
=
0.093287 
NZD

The recent trends between the currencies are:

  • Over the past 7 days, the mid-market rate from ZAR to NZD has moved slightly. On average, it was 0.0937.

  • During this same period,there was a high of 0.0939, and a low of 0.0931.

  • Currencies Direct, which is our recommended service to send money online from South Africa to New Zealand offers 0.0931 NZD per ZAR which is only 0.72% above the mid-market rate.

Want to secure the best ZAR-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 South Africa to New Zealand!

Payment options for South Africa to
New Zealand money transfers

  • Bank transfers

    Bank transfers are usually the best and easiest way to send money from South Africa to New Zealand.

    By using a money transfer company such as Key Currency for transfers from South Africa to New Zealand, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates than you would get from a traditional bank.


    Key Currency is the cheapest money transfer company for bank transfers from the 9 we compared for transfers from ZAR into New Zealand.

    With a fee of 0 ZAR to send money from South Africa to New Zealand, Key Currency offers a strong combination of competitive exchange rates and lower fees.


  • Debit cards and prepaid options

    Sending money from South Africa to New Zealand with a debit or a prepaid card is available through .


    is a one of the cheaper options for debit card payments for transfers from South Africa to New Zealand. This cost is against a total of 9 money transfer companies offering this option.

  • Credit cards

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

    Be aware 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.

How we analyze the market

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


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 South Africa to New Zealand.


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


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

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 CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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