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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."
"24/7 live chat support provided in six languages. Special first transfer rates available, with airtime topup supported to many countries in Africa, Asia and South America."
"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."
"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."
Wise: The best way to send money to New Zealand
Over the past 6 months, we’ve tested 17 companies offering services in New Zealand, and Wise stood out as the best money transfer company to New Zealand.
Wise appeared 47 times in NZD searches, offering a low fee of just $29.21, 0.03% markup on NZD exchange rates, and fast transfer speeds.
Wise offers an ideal combination of features, speed, and cost for NZD transfers.
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
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 17 money transfer services that support transfers to New Zealand. Based on the past six months of data:
Revolut was the cheapest in 76% of searches.
Ria Money Transfer 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.
Revolut is the cheapest way to send money to New Zealand
In the past 6-months, Revolut appeared in 76% of our searches as the cheapest money transfer service. We found it to be 0.5% cheaper than the next best option.
Revolut charges $0 per transfer and adds a 0.2% 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 Revolut, to get the most out of your NZD transfer.
Fastest way to send money to New Zealand: Ria Money Transfer
Our data shows that Ria Money Transfer came up as the fastest way to transfer NZD in 30% searches on MoneyTransfers.com over the past six months.
Ria Money Transfer charges $4 in fees on average and adds a 2.8% markup, which is also 0% cheaper than the next fastest option.
Pair it with a Bank transfer deposit to get your NZD abroad fast and cheap.
Our ‘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
Wise ranked as the top-rated money transfer provider in 92.2% of searches related to New Zealand based on 6 months of comparison data from MoneyTransfers.com.
They offer transparent fees, charging $29.21 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.
Need to send over $10,000?
Opt for a service proven with large transfers when size matters. For transfers over $10,000, your best bet is Wise.
While Wise may not always be the cheapest or fastest way to send NZD, it’s the provider that will keep you safe and relaxed while your money moves into New Zealand.
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 -0.01% markup to the USD-NZD exchange rate (1.71 NZD - -0.01% 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 $2,000 from the US to New Zealand.
After analyzing 17 companies supporting New Zealand Dollar, we found Xoom to offer the lowest fees ($0 in fees and 2.35% markup).
However, exact fees vary by deposit method and the service, for example:
Bank transfers vary from $0 to $4
Debit cards range from $411.51 to $372.46
Credit cards can go from $0 to $0
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 6-months, the NZD exchange rate reached:
An average rate of 1.7434 New Zealand Dollar per US Dollar
A high of 1.8091 NZD per USD
And a low of 1.6716 NZD per US Dollar
The NZD/USD exchange rate has seen some movements. Making a transfer when the rate is close to 1.8091 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.
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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 17 providers accepting New Zealand, Revolut appeared 35 times as the cheapest option, charging $0 per transfer with a 0.2% 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 1.7% markup on the NZD rate and $ 411.51 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, offers the lowest fee, charging $0 per NZD transfer.
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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Keep your money safe
It is safe to send money online to New Zealand. The country is regulated by The Financial Markets Authority, ensuring the safety of money transfers as well as accounting standards of banks and other financial institutions.
Only send money to those you know and trust and always choose providers that are regulated by financial authorities.
To learn more about the key regulatory bodies in New Zealand, please refer to our directory of financial regulators.
FAQs
Find answers to the most common questions on our dedicated FAQ page.
