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

Get the best deals when you transfer from New Zealand to United States. Find the cheapest, fastest, and most reliable providers with the best NZD to USD exchange rates.

Read on for the best deals, expert information, and all you need to send money to United States from New Zealand.

Transferring the other way? Send USD from United States to New Zealand instead.
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June 30th, 2025
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Best money transfer companies

Send money from New Zealand to United States

Last updated: Today
Mid-market rate as of 06/30/2025: 1 NZD = 0.608224 USD
Results below are based on a 10000 NZD search
0 of 14 providers
Sponsored
Wise
Recipient gets (USD)
$6,065.55
Full transfer details
Visit Wise
$166 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 (USD)
$6,014.60
Full transfer details
Visit Xe
$115 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:
Exclusive: First Transfer Deal
1
Regency FX
Recipient gets (USD)
$6,065.82
Full transfer details
Visit Regency FX
$166 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
2
Wise
Recipient gets (USD)
$6,065.55
Full transfer details
Visit Wise
$166 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
Rate match guarantee (T&Cs apply)
3
TorFx
Recipient gets (USD)
$6,063.99
Full transfer details
Visit TorFx
$164 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 (USD)
$6,051.00
Full transfer details
Visit Currencies Direct
$151 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 (USD)
$6,049.00
Full transfer details
Visit OFX
$149 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 (USD)
$6,039.00
Full transfer details
Visit CurrencyFair
$139 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 (USD)
$6,014.60
Full transfer details
Visit Xe
$115 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
WorldRemit
Recipient gets (USD)
$5,991.66
Full transfer details
Visit WorldRemit
$92 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
9
Remitly
Recipient gets (USD)
$5,959.00
Full transfer details
Visit Remitly
$59 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.
Panda Remit
Recipient gets (USD)
$6,061.57
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (USD)
    $5,878.68
    Not recommended
Sponsored
Wise
Recipient gets (USD)
$6,065.55
Full transfer details
Visit Wise
$166 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 (USD)
$6,014.60
Full transfer details
Visit Xe
$115 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.

Best choice: Wise

Wise is our recommended way to send New Zealand Dollar to USD.

We tested & reviewed dozens of money transfer providers, and Wise scored highly.

Transferring 10,000 NZD to USD will cost you $28.69 in fees, and you will receive 6,065.55 USD. The delivery time is next day, but it depends on the day you make the transfer.

So for a great blend of cost, speed & features, make your New Zealand to the United States transfer using Wise.

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

How to compare deals on New Zealand to United States money transfers

Summary of recent searches

Top rated for transfers from New Zealand to United States
Wise
Total number of NZ - US providers
14
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

Get the most from sending money from New Zealand to United States

1
Compare providers

Comparing providers offering services between New Zealand and the United States based on your specific transfer amount, is the easiest way to get the best price on your transfer.

We cover the entire NZD-USD market and have compared 14 providers offering services between New Zealand and the United States.

This ensures you will get the most comprehensive options for sending New Zealand Dollar to the United States.

Whilst we rate Wise as the best overall for transfers between the two countries, comparing gives you the best idea for your specific New Zealand to the United States transfer needs.

2
Beat the New Zealand Dollar-US Dollar exchange rate
3
Choose the right payment method
4
Financial regulations across New Zealand and United States
5
Consider minimum and maximum limits
6
Receiving money in United States
7
Be ready with your ID
8
Tax declarations

Cheapest way to transfer money to the United States 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 the United States.

Of the 14 providers compared, data shows that Regency FX is 0% cheaper than the second-best option.

The is cost is made up of an average NZD-USD 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 United States transfer, Regency FX will result in the most US Dollar received.

Fastest money transfers to the United States from New Zealand: Regency FX.

Of 14 money transfer companies offering services from New Zealand to the United States, Regency FX is the quickest way to send money.

With Regency FX , the transfer time to US is minutes - 24 hours, with a 0 NZD transfer fee (based on $10,000 transfer)

When testing the fastest options, we compared the 14 money transfer providers offering New Zealand to the United States transfers for overall speed. This included transfer times to after depositing New Zealand Dollar to a money transfer account.

When you want the fastest way to send, Regency FX is our recommended choice for New Zealand to the United States transfers.

Transfer a large amount of money

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

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

Whatever the reason is for the transfer, sending large amounts of money from New Zealand to the United States 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 the United States from New Zealand.

Understanding the cost of money transfers from New Zealand to United States

The total cost of sending money to United States from New Zealand is made up of a combination of mid-market, exchange rates and fees.

The Mid-Market and Exchange Rates: The current mid-market for NZD-USD is 0.6094 USD per New Zealand Dollar.

Using a transfer company with an exchange rate as close to the mid-market rate as possible will result in being able to buy more US Dollar for your New Zealand Dollars.

Over the last 7 days, the average NZD-USD mid-market rate has seen each New Zealand Dollar worth 0.6055 USD. Within this we see a high of 0.6082, and a low of 0.6023.

Of the 14 companies compared, Wise offers the best exchange rates.

The biggest factor in the overall cost of sending money is the exchange rate you receive on converting NZD to USD.

Fees: When sending money you may have to pay fees. Regency FX costs 0 NZD per transfer at the moment, which is the cheapest option of the 14 providers compared. We would recommend searching to ensure you get the correct fee for your transfer amount.

Amount Received: When comparing providers, the best measure is the amount of US Dollar eventually received in the United States.

This number should be a guide for your decision if cost is important. A higher amount of money received in the United States means a better overall cost of sending money from New Zealand.

Getting best exchange rate for sending New Zealand Dollar to US Dollar

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

Mid-market Rate
1 
=
0.609373 
USD

The recent mid-market rate trends are:

  • Over the past 7 days, the mid-market rate from NZD to USD was 0.6055.

  • During this period, it hit a high of 0.6082, and a low of 0.6023.

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

Want to secure the best NZD-US 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 New Zealand to the United States!

Paying for your New Zealand to
United States transfer

  • Bank transfers

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

    By using a money transfer company such as Regency FX for transfers from New Zealand to the United States, 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 14 we tested when sending NZD to the United States.

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


  • Debit and prepaid cards

    Sending money from New Zealand to the United States 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 the United States.

  • 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 United States 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 United States.


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


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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