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How to send money to Spain from New Zealand with the best NZD-EUR rate

Compare the best deals on transfers from New Zealand to Spain. Explore the cheapest, fastest, and most reliable providers with the best NZD to EUR exchange rates.

Read on for the insights and in-depth analysis, and all you need to send money to Spain from New Zealand.

Transferring the other way? Send EUR from Spain to New Zealand instead.
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July 7th, 2025
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Best money transfer companies

Send money from New Zealand to Spain

Last updated: Today
Mid-market rate as of 07/07/2025: 1 NZD = 0.51093 EUR
Results below are based on a 10000 NZD search
0 of 12 providers
Sponsored
Wise
Recipient gets (EUR)
€5,097.53
Full transfer details
Visit Wise
€142 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 (EUR)
€5,050.20
Full transfer details
Visit Xe
€94 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 (EUR)
€5,097.53
Full transfer details
Visit Wise
€142 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
Exclusive: First Transfer Deal
2
Regency FX
Recipient gets (EUR)
€5,095.50
Full transfer details
Visit Regency FX
€139 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)
3
TorFx
Recipient gets (EUR)
€5,093.97
Full transfer details
Visit TorFx
€138 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
4
Currencies Direct
Recipient gets (EUR)
€5,079.00
Full transfer details
Visit Currencies Direct
€123 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
OFX
Recipient gets (EUR)
€5,078.00
Full transfer details
Visit OFX
€122 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
CurrencyFair
Recipient gets (EUR)
€5,072.00
Full transfer details
Visit CurrencyFair
€116 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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
7
Xe
Recipient gets (EUR)
€5,050.20
Full transfer details
Visit Xe
€94 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
8
Remitly
Recipient gets (EUR)
€5,007.00
Full transfer details
Visit Remitly
€51 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
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 (EUR)
€5,083.78
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (EUR)
    €4,938.30
    Not recommended
Sponsored
Wise
Recipient gets (EUR)
€5,097.53
Full transfer details
Visit Wise
€142 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 (EUR)
€5,050.20
Full transfer details
Visit Xe
€94 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

Overall top choice: Wise

Wise is the best way to transfer New Zealand Dollar into Euro.

Of the 12 money transfer providers we tested and reviewed, Wise was a standout option for its combination of speed and cost.

Sending 10,000 NZD to EUR will cost you $24.76 in fees, and you will receive 5,097.53 EUR.

When sending money from New Zealand to Spain, using Wise in a great option.

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

How to compare deals on New Zealand to Spain money transfers

Summary of recent searches

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

Considerations to make sending money from New Zealand to Spain easy

1
Compare providers

Comparing the different providers offering services between New Zealand and Spain, is the best way to send money with confidence.

The 12 providers we've compared ensures you will get the best options for your transfer to Spain from New Zealand. By taking the time to compare you can save yourself in the region of 3% of the total transfer amount.

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring New Zealand Dollar to Spain.

2
Exchange rates between New Zealand Dollar-Euro
3
Choose the right payment method
4
Financial regulation in New Zealand and Spain
5
Consider transfer limits
6
Receiving money in Spain
7
Have your ID ready
8
Tax declarations

Cheapest way to send money to Spain from New Zealand: Wise

Of the 12 providers compared, Wise is the cheapest option for sending money today.

The cost is a combination of a fee of 24.76 NZD and an exchange rate for converting New Zealand Dollar to Euro that is -0.01% different to the mid-market rate.

We found that Wise is 0.04% cheaper than the second-best option.

We would recommend Wise for low cost, affordable transfers from Euros to Spain.

Wise is the cheapest way to send money from New Zealand (NZD) to Spain (EUR) - Wise Screenshot

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

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

For example, sending $10,000 to Spain 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 Spain 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 Spain made up of depositing New Zealand Dollars, to a money transfer account and transfer times to Spain.

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

Transfer a large amount of money

To transfer large sums of money from New Zealand to Spain, opt for a provider with a competitive exchange rate and hands on management.

Wise is the strongest option for large transfers of the
12 money transfer companies tested.

Whatever the reason is for the transfer, sending large amounts of money from New Zealand to Spain can become expensive through your bank or with the wrong provider.

Our data shows Wise as the best choice for sending large sums of money to Spain from New Zealand.

Understanding the cost of sending money from New Zealand to Spain

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

The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Euro for your New Zealand Dollar. The current NZD-EUR mid-market rate is 0.5123 EUR per New Zealand Dollar.

  • This rate changes regularly so it can pay to track it. For comparison, the NZD-EUR mid-market rate for the past 7 days has averaged 0.5148 EUR per New Zealand Dollar, with a low of 0.5109 and a high of 0.517.

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

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

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 Spain. Wise currently has the lowest fees for transfers into EUR of just 24.76 NZD. We always recommend searching for your exact send amount for an exact fee.

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

Getting best exchange rate for sending New Zealand Dollar to Euro

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

Mid-market Rate
1 
=
0.512301 
EUR

The recent mid-market rate trends are:

  • Over the past 7 days, the mid-market rate from NZD to EUR was 0.5148.

  • During this period, it hit a high of 0.517, and a low of 0.5109.

  • Wise, which is our recommended service to send money online from New Zealand to Spain offers an exchange rate that is only -0.01% above the mid-market rate.

Want to secure the best NZD-Euro 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 Spain!

Payment methods for New Zealand to
Spain transfers

  • Bank transfers

    Bank transfers are often the fastest option, and normally the cheapest, for sending money from New Zealand to Spain.

    By opting for a money transfer company such as Wise for transfers from New Zealand to Spain, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


    On average, Wise is the cheapest provider for bank transfers from the 12 we tested when sending NZD to Spain.

    With a fee of NZD24.76 to send money from New Zealand to Spain, Wise offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid card payments

    Using a debit card, or prepaid option, for sending money from New Zealand to Spain is easy with Wise.


    Wise is a market leader in debit card payments for transfers from New Zealand to Spain, this is among a total of 12 money transfer companies compared.

  • Credit card transfers

    When it comes to credit card transfers from New Zealand to Spain, we recommend running a quick comparison to get the best deal as not many companies offer direct credit card deposits.

    Fee alert: credit card money transfers often result in a cash advance fee being charged by your card issuer. We recommend bank transfer or debit card where possible.

How we analyze the market

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


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


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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