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How to send money to New Zealand from US with the best USD-NZD rate

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

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

Transferring the other way? Send NZD from New Zealand to United States instead.
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August 31st, 2025
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United States
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Best money transfer companies

Send money from United States to New Zealand

Last updated: Today
Mid-market rate as of 08/31/2025: 1 USD = 1.685346 NZD
Results below are based on a 7000 USD search
0 of 16 providers
Sponsored
Wise
Recipient gets (NZD)
$11,825.71
Full transfer details
Visit Wise
$382 better than a typical bank*

"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
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (NZD)
$11,739.00
Full transfer details
Visit Xe
$296 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
1
Wise
Recipient gets (NZD)
$11,825.71
Full transfer details
Visit Wise
$382 better than a typical bank*

"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
2
Currencies Direct
Recipient gets (NZD)
$11,812.50
Full transfer details
Visit Currencies Direct
$369 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
3
CurrencyFair
Recipient gets (NZD)
$11,780.20
Full transfer details
Visit CurrencyFair
$337 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
Exclusive: Special Rate for 1st Transfer
4
Key Currency
Recipient gets (NZD)
$11,767.93
Full transfer details
Visit Key Currency
$324 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: First Transfer Deal
5
Regency FX
Recipient gets (NZD)
$11,765.57
Full transfer details
Visit Regency FX
$322 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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
6
Xe
Recipient gets (NZD)
$11,739.00
Full transfer details
Visit Xe
$296 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
7
OFX
Recipient gets (NZD)
$11,738.43
Full transfer details
Visit OFX
$295 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
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.
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • PayPal
    PayPal
    Recipient gets (NZD)
    $10,861.18
    Not recommended
Sponsored
Wise
Recipient gets (NZD)
$11,825.71
Full transfer details
Visit Wise
$382 better than a typical bank*

"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
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (NZD)
$11,739.00
Full transfer details
Visit Xe
$296 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Best recommended: Wise

Wise is our top pick for sending US Dollar to New Zealand.

Of the 16 money transfer providers tested and reviewed, Wise scored highly for its competitive rates and fees.

For example, sending 7,000 USD to NZD will cost you $27.58 in fees, and you will receive 11,825.71 NZD.

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

Wise is the top rated company for sending money from United States (USD) to New Zealand (NZD) - Wise Screenshot

How to compare deals on your United States to New Zealand transfer

Summary of recent searches

Top rated for transfers from United States to New Zealand
Wise
Total number of US - NZ providers
16
Average cheapest fees & rate
Wise
Average fastest transfer
Currencies Direct
Average transfer time
Within minutes
Best for bank transfers
Wise
Best for debit card
Paysend
Best for credit card
Paysend

Considerations for sending money from United States to New Zealand

1
Compare providers

Always compare ways to send money from the United States to New Zealand to get the best options for fees, speed, and reliability.

Our analysis included 16 providers that operate between United States and New Zealand.

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

2
Track the US Dollar-New Zealand Dollar exchange rate
3
Choose the right payment method
4
Use regulated providers
5
Consider transfer limits
6
How to receive money in New Zealand
7
Have your ID ready
8
Don't forget about taxes

Cheapest way to send money to New Zealand from the United States: Wise

Wise offers the cheapest combination of low fees and competitive exchange rates of the 16 providers we compared.

They offer a fee of 27.58 USD and exchange rate between USD-NZD that is -0.64% different to the mid-market rate.

In comparison, Wise is 0.11% cheaper than the second-best option.

To secure affordable and great rates on a USD to New Zealand transfer, Wise is our recommended choice.

Wise is the cheapest way to send money from United States (USD) to New Zealand (NZD) - Wise Screenshot

Fastest way to send money from the United States to New Zealand: Currencies Direct.

Currencies Direct is the quickest way to send US Dollar to New Zealand of the 16 companies offering the service.

Based on a $7,000 transfer, Currencies Direct transfer time for USD-NZD transfers is minutes - 24 hours.

Using Currencies Direct for fast transfers from the United States to New Zealand has a fee of 0 USD.

Within our comparison we looked at the 16 money transfer providers offering transfers from the United States to New Zealand. Within this we looked at overall speed of sending money from the United States to New Zealand after depositing US Dollar to a money transfer account.

When faster money transfers are a priority, Currencies Direct is our recommended choice for sending into New Zealand from United States.

Currencies Direct is the fastest way to send money from United States (USD) to New Zealand (NZD) - Currencies Direct Screenshot 1
Currencies Direct is the fastest way to send money from United States (USD) to New Zealand (NZD) - Currencies Direct Screenshot 2

Send large sums of money abroad with Currencies Direct

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

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

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 United States to New Zealand

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

The Mid-Market and Exchange Rates: Today, the USD-NZD mid-market rate equals 1.6966 NZD per US Dollar.

  • For reference, the USD-NZD average mid-market rate for the past 7 days has been 1.7018 NZD per US Dollar, with a high of 1.7123 and a low of 1.6853.

  • The company offering the best exchange rate is Wise.

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

Fees: Fees are charged on top of a transfer. The company offering the lowest fee is Wise, cahrging 27.58 USD 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 the United States to New Zealand. Essentially, the more the recipient receives in New Zealand, the less it is costing to send from the United States.

Finding the best exchange rate for US Dollar to New Zealand Dollar

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

Mid-market Rate
1 
USD
=
1.696614 
NZD

Over the last week, here’s what we’ve seen:

  • The exchange rate from USD to NZD averaged 1.7018 NZD.

  • The highest value recorded was 1.7123 NZD, while the lowest was 1.6853 NZD.

  • There are currently 16 providers offering transfers between the United States and New Zealand close to this rate

Want to secure the best USD-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 United States to New Zealand!

United States to
New Zealand money transfer payment methods

  • Bank transfers

    Bank transfers are often the best payment method for money transfers from the United States to New Zealand.

    A money transfer company like Wise offer bank transfers between the United States and New Zealand with lower fees and better exchange rates than you would get from a traditional bank. 


    On average, Wise is the cheapest provider for bank transfers of the 16 we tested when sending USD to New Zealand.

    Wise has a fee of 27.58 USD for money transfersfrom the United States to New Zealand. Overall, they offer a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from the United States to New Zealand with a debit or a prepaid card is very simple with Xe.


    Xe is a leader in debit card payments for transfers from the United States to New Zealand, competing among a total of 16 active money transfer companies on this route.

  • Credit cards


    We recommend avoiding credit cards where possible due to a lack of support and high fees.

    If you have to use a credit card, we recommend comparing your options to find the company with the lowest fees.

    Fee alert: using a credit card to transfer money can result in a fee being charged by your card issuer as it is considered as a cash advance. That's why we recommend bank transfer or debit card 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 United States.


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 United States to New Zealand.


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