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

Find the best deals when you transfer from New Zealand to South Africa. Get insights on the fastest, cheapest, and providers with the best NZD to ZAR exchange rates.

Read on to get the best value, expert information, and analysis on ways to send money to South Africa from New Zealand.

Transferring the other way? Send ZAR from South Africa to New Zealand instead.
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June 29th, 2025
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Best money transfer companies

Send money from New Zealand to South Africa

Last updated: Today
Mid-market rate as of 06/29/2025: 1 NZD = 10.797246 ZAR
Results below are based on a 10000 NZD search
0 of 12 providers
Sponsored
Wise
Recipient gets (ZAR)
R 107,286.09
Full transfer details
Visit Wise
R 2,553 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 (ZAR)
R 106,298.00
Full transfer details
Visit Xe
R 1,565 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
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Exclusive: First Transfer Deal
1
Regency FX
Recipient gets (ZAR)
R 107,680.93
Full transfer details
Visit Regency FX
R 2,948 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)
2
TorFx
Recipient gets (ZAR)
R 107,648.54
Full transfer details
Visit TorFx
R 2,915 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
3
Wise
Recipient gets (ZAR)
R 107,286.09
Full transfer details
Visit Wise
R 2,553 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
4
Currencies Direct
Recipient gets (ZAR)
R 107,149.00
Full transfer details
Visit Currencies Direct
R 2,416 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
5
CurrencyFair
Recipient gets (ZAR)
R 106,895.00
Full transfer details
Visit CurrencyFair
R 2,162 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
6
Remitly
Recipient gets (ZAR)
R 106,600.00
Full transfer details
Visit Remitly
R 1,867 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
7
WorldRemit
Recipient gets (ZAR)
R 106,581.18
Full transfer details
Visit WorldRemit
R 1,848 better than a typical bank*

"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."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
8
Xe
Recipient gets (ZAR)
R 106,298.00
Full transfer details
Visit Xe
R 1,565 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
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.
Revolut
Recipient gets (ZAR)
R 107,433.25
Sponsored
Wise
Recipient gets (ZAR)
R 107,286.09
Full transfer details
Visit Wise
R 2,553 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 (ZAR)
R 106,298.00
Full transfer details
Visit Xe
R 1,565 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
How effectively does your finance team manage international cash flow?

In our experience, there are always efficiencies to be made in how businesses manage international payments in and out.

Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

Overall best option: Wise

Wise is our recommended company for sending money to South Africa from NZD.

Of the 12 companies that support NZD to ZAR, Wise offered the best combination of cost and speed.

Sending 10,000 NZD to ZAR will cost you $61.87 in fees, and you will receive 107,286.09 ZAR. The delivery time usually is next day, but can be longer depending when you make the transfer.

So for a great mix of cost, speed & features, send New Zealand Dollars to South Africa using Wise.

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

Compare for the best deal on your New Zealand to South Africa transfer

Summary of recent searches

Top rated for transfers from New Zealand to South Africa
Wise
Total number of NZ - ZA providers
12
Average cheapest fees & rate
Regency FX
Average fastest transfer
Regency FX
Average transfer time
Within minutes
Best for bank transfers
Regency FX
Best for debit card
Xe

Transfer consider from New Zealand to South Africa

1
Compare available providers

A comparison of providers offering services between New Zealand and South Africa is paramount. Based on your specific transfer amount, the best way to send money to South Africa could change. Comparing ensures the best price for your needs.

For services allowing you to send New Zealand Dollar to South Africa we've compared 12 providers.

This coverage of the market ensure you will get the best options for your transfer to South Africa from New Zealand.

Overall, we rated Wise as the best, but remember comparing for your specific transfer gives you a comprehensive view of all the options for transferring money from New Zealand to South Africa.

2
Getting the best New Zealand Dollar-Rand exchange rate
3
Choose the right payment method
4
Financial regulators
5
Consider transfer limits
6
Consider how the money will be received
7
Have your ID ready
8
Tax declarations in South Africa

Cheapest way to transfer money to South Africa from New Zealand: Regency FX

Regency FX offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending New Zealand Dollar to South Africa.

Of the 12 providers compared, data shows that Regency FX is 0.03% cheaper than the second-best option.

The is cost is made up of an average NZD-ZAR exchange rate that is 0.27% different to the mid-market rate and an average fee of 0* NZD.

If you want to secure the best rates on a NZD to South Africa transfer, Regency FX will result in the most Rand received.

Fastest way to transfer money to South Africa from New Zealand: Regency FX.

Of 12 companies compared, Regency FX offers the quickest way to send New Zealand Dollars to South Africa.

For example, sending $10,000 to South Africa with Regency FX will be minutes - 24 hours.

But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

New Zealand to South Africa transfers with Regency FX have a fee of 0 NZD.

To test that Regency FX was the 'fastest' option we compared 12 providers. With this, we compared overall speed of sending money from New Zealand to South Africa made up of depositing New Zealand Dollars, to a money transfer account and transfer times to South Africa.

When sending at speed is a priority, Regency FX is our recommended choice for sending into South Africa from New Zealand.

Need to make a large transfer?

For big transfers between New Zealand and South Africa, competitive pricing & strong customer service are key.

Wise is the best option for large transfers of the
12 providers compared.

While Wise may not always be the cheapest or fastest way to send NZD from New Zealand to South Africa, it's a great provider for larger transfers for things like buying or selling property.

Understanding the cost of sending money from New Zealand to South Africa

Ensuring a strong combination of fees and exchange rates ensures the best deal on money transfers from New Zealand to South Africa.

The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Rand for your New Zealand Dollar. The current NZD-ZAR mid-market rate is 10.7895 ZAR per New Zealand Dollar.

  • This rate changes regularly so it can pay to track it. For comparison, the NZD-ZAR mid-market rate for the past 7 days has averaged 10.7656 ZAR per New Zealand Dollar, with a low of 10.7 and a high of 10.8257.

  • Wise is currently offering the best exchange rate from the 12 companies compared.

  • Often the NZD-ZAR exchange rate you pay is the biggest cost factor when transferring New Zealand Dollars to South Africa.

Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of New Zealand Dollar you’re sending to South Africa. Regency FX currently has the lowest fees for transfers into ZAR of just 0 NZD. We always recommend searching for your exact send amount for an exact fee.

Amount Received: The amount received in Rand is the biggest indicator of the total cost of sending money to South Africa from New Zealand. The bigger the amount received in South Africa, the lower the overall cost of sending from New Zealand.

Getting best exchange rate for sending New Zealand Dollar to Rand

Timing is essential when tracking the mid-market rate between NZD and ZAR. The end exchange rate you secure impacts how much ZAR you get for your NZD.

Mid-market Rate
1 
=
10.789462 
ZAR

The recent mid-market rate trends are:

  • Over the past 7 days, the mid-market rate from NZD to ZAR was 10.7656.

  • During this period, it hit a high of 10.8257, and a low of 10.7.

  • Wise, which is our recommended service to send money online from New Zealand to South Africa offers an exchange rate that is only 0.02% above the mid-market rate.

Want to secure the best NZD-Rand exchange rates?

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

Paying for your New Zealand to
South Africa transfer

  • Bank transfers

    Paying via a bank transfer is often the better option for sending money from New Zealand to South Africa.

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


    On average, Regency FX is the cheapest provider for bank transfers from the 12 we tested when sending NZD to South Africa.

    With a fee of 0 NZD to send money from New Zealand to South Africa, Regency FX offers the best combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

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


    Wise is a one of the better options in the market for international debit card transfers from New Zealand to South Africa.

  • Credit cards

    Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

    We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

    Be aware of fees: using a credit card to transfer money can mean being charged for a cash advance by your card provider. We always recommend a bank transfer or debit card payment if it is a possibility.

How we analyze the market

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


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


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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Can I send money from New Zealand to South Africa with MoneyTransfers.com?
What are the typical transfer fees for sending New Zealand Dollars to South Africa through various providers?
How long does it take to send money from New Zealand to South Africa?
What is the best exchange rate I can get for sending money from New Zealand to South Africa?
Are there any minimum or maximum transfer amounts for sending money from New Zealand to South Africa?
Can I schedule regular transfers between New Zealand and South Africa?

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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