SendMoneyCompare — International Money Transfer Comparison

Ahsan Mukhtar

Send money from New Zealand to Australia(NZD → AUD)

NZD

AUD|Pricing observed 21:02 UTC, 3 Oct|Mid-market 0.8078|Edited by Ahsan Mukhtar

Top-ranked estimateof 5 providers

Westpac NZ

Rate 0.7933 · Fee free

You send

NZ$1,000

Estimated receipt

A$793

A$27 more than the lowest estimate · 1.79% markup vs mid-market

Send with Westpac NZ

Affiliate link · No extra cost to you

Quick answer: Westpac NZ ranks first of 5 for 1,000 NZD → AUD: 793.33 AUD estimated. 27.05 AUD separates first from last.

Latest pricing observation: October 3, 2026. Quotes are kept per NZD→AUD pair, not per country, so check New Zealand is served before you commit. Methodology.

What is the cheapest way to send NZD to AUD?

Sending NZ$1,000 from New Zealand to Australia, ranked by estimated payout.

Source: our collected quotes

#ProviderRateFeeRecipient gets

1

Westpac NZ

1-3 business days

Best value

A$793.33

recipient gets

Send with Westpac NZ

Rate 0.7933·Fee Free·1.79% markup

↓ 2.2% over 185dAvg: 0.81 AUD (-1.5% vs avg)Range: 0.79–0.82

1

Westpac NZBest value

1-3 business days1.79% markup

↓ 2.2% over 185dAvg: 0.81 AUD (-1.5% vs avg)Range: 0.79–0.82

0.7933

Free

A$793.33

Send

2

OFX

1 day

A$779.89

recipient gets

Send with OFX

Rate 0.7894·Fee NZ$12.00·2.28% markup

2

OFX

1 day2.28% markup

0.7894

NZ$12.00

A$779.89

Send

3

KiwiBank

1-3 business days

A$776.67

recipient gets

Send with KiwiBank

Rate 0.7925·Fee NZ$20.00·1.89% markup

↓ 2.3% over 186dAvg: 0.81 AUD (-1.8% vs avg)Range: 0.79–0.82

3

KiwiBank

1-3 business days1.89% markup

↓ 2.3% over 186dAvg: 0.81 AUD (-1.8% vs avg)Range: 0.79–0.82

0.7925

NZ$20.00

A$776.67

Send

4

BNZ

1-3 business days

A$774.67

recipient gets

Send with BNZ

Rate 0.7747·Fee Free·4.10% markup

Best rate 147 of 196 days

↓ 3.9% over 196dAvg: 0.81 AUD (-3.8% vs avg)Range: 0.77–0.82

4

BNZ

1-3 business days4.10% markup

Best rate 147 of 196 days

↓ 3.9% over 196dAvg: 0.81 AUD (-3.8% vs avg)Range: 0.77–0.82

0.7747

Free

A$774.67

Send

5

PayPal

Instant to 3 days

A$766.28

recipient gets

Send with PayPal

Rate 0.7717·Fee NZ$6.99·4.47% markup

4.4% markup

↓ 2.5% over 185dAvg: 0.79 AUD (-1.9% vs avg)Range: 0.77–0.80

5

PayPal

Instant to 3 days4.47% markup

4.4% markup

↓ 2.5% over 185dAvg: 0.79 AUD (-1.9% vs avg)Range: 0.77–0.80

0.7717

NZ$6.99

A$766.28

Send

6

Regency FX

Same day may be available; confirm your route

A$803.75

recipient gets

Send with Regency FX

Rate 0.8037·Fee Free·0.51% markup

6

Regency FX

Same day may be available; confirm your route0.51% markup

0.8037

Free

A$803.75

Send

Estimated payout difference: A$27.05 between first and last on NZ$1,000.

By Awais Imran·Pricing collected from provider APIs and comparison sources

Some links earn us a commission, at no cost to you. It never changes the ranking. Editorial policy

Which provider offers the best NZD to AUD rate?

Westpac NZ

3.5

Exchange rate

0.7933

Fee

Free

Recipient gets

A$793.33

Speed

1-3 business days

Guides, fees & how it works

Which provider suits each NZD→AUD transfer?

Westpac NZ currently delivers the most AUD on this route, while PayPal is the fastest.

Cheapest transfer

Westpac NZ

Delivers the most AUD for your money

Fastest transfer

PayPal

Delivers in Instant to 3 days

Bank transfer

OFX

Best rate for bank deposit to Australia

Recipient details: New Zealand to Australia

Before sending from New Zealand, confirm these details with your recipient in Australia: Full name, Bank account number, Bank name.

Receiving requirements and examples for Australia

Transfer examples: NZD to AUD

Send NZ$500

Provider	Fee	Rate	Receives	Speed
Westpac NZ0.79 · 1-3 business days	Free	0.79	A$397	1-3 business days
BNZ0.77 · 1-3 business days	Free	0.77	A$387	1-3 business days
KiwiBank0.79 · 1-3 business days	NZ$20.00	0.79	A$380	1-3 business days
PayPal0.77 · Instant to 3 days	NZ$6.99	0.77	A$380	Instant to 3 days
OFX0.78 · 1 day	NZ$12.00	0.78	A$378	1 day
Regency FX0.80 · Same day may be available; confirm your route	Free	0.80	A$402	Same day may be available; confirm your route

Send NZ$1,000

Provider	Fee	Rate	Receives	Speed
Westpac NZ0.79 · 1-3 business days	Free	0.79	A$793	1-3 business days
OFX0.79 · 1 day	NZ$12.00	0.79	A$780	1 day
KiwiBank0.79 · 1-3 business days	NZ$20.00	0.79	A$777	1-3 business days
BNZ0.77 · 1-3 business days	Free	0.77	A$775	1-3 business days
PayPal0.77 · Instant to 3 days	NZ$6.99	0.77	A$766	Instant to 3 days
Regency FX0.80 · Same day may be available; confirm your route	Free	0.80	A$804	Same day may be available; confirm your route

Send NZ$5,000

Provider	Fee	Rate	Receives	Speed
Westpac NZ0.79 · 1-3 business days	Free	0.79	A$3,967	1-3 business days
KiwiBank0.79 · 1-3 business days	NZ$20.00	0.79	A$3,947	1-3 business days
OFX0.79 · 1 day	NZ$12.00	0.79	A$3,937	1 day
BNZ0.77 · 1-3 business days	Free	0.77	A$3,873	1-3 business days
PayPal0.77 · Instant to 3 days	NZ$6.99	0.77	A$3,853	Instant to 3 days
Regency FX0.80 · Same day may be available; confirm your route	Free	0.80	A$4,019	Same day may be available; confirm your route

How much does it cost to send money from New Zealand to Australia?

Of the 5 estimates we hold for NZ$1,000 NZD to AUD, 2 charge no transfer fee and 3 charge between NZ$6.99 and NZ$20.00. Their exchange rates sit 1.79% to 4.47% above the mid-market rate (median 2.28%), a spread worth 22 AUD on this amount.

A steady pair: just 4.3 points apart; today reads "low". Best payout day BNZ (21 August 2026), worst Westpac NZ (19 September 2026).

How long does it take to send money to Australia?

1 of the 6 providers quoting NZD to AUD advertise delivery within minutes (PayPal); 5 quote longer, such as Westpac NZ at 1-3 business days on NZD to AUD.

Provider-stated speeds for Australia, not our measurement.

FastExpress delivery

PayPalInstant to 3 days

Standard delivery

Westpac NZ1-3 business days
OFX1 day
KiwiBank1-3 business days
BNZ1-3 business days
Regency FXSame day may be available; confirm your route

45/ 100

Typical time to send

SendScore

Best rate -0.24% vs the 30-day average, 14% up the 90-day range. Rates are improving — +0.25% week on week. Today's best beats the median provider by +2.40%.

40%14% up the 90-day range
25%-0.24% vs the 30-day average
20%today's best beats the median provider by +2.40%
15%improving — +0.25% week on week

Who is usually cheapest here

BNZ delivered the most on 73 of the last 91 days it quoted here (80%). But today's best is Westpac NZ, which leads on 20% of days — worth comparing rather than assuming.

80%BNZ — cheapest on 73 of 91 days it quoted
20%Westpac NZ — cheapest on 18 of 91 days it quoted
0%Remitly — cheapest on 0 of 40 days it quoted
0%ASB NZ — cheapest on 0 of 86 days it quoted

91 contested days of 91; single-quote days excluded for NZD→AUD. See every corridor.

NZD→AUD: 196 days of our recorded provider rates

NZD to AUD Exchange Rate History

Per 100 NZD sent, 196 days.

Date	Bank Of New Zealand Nz	__mid Market__	Kiwibank	PayPal	Westpac Nz
Trend
Oct 3	0.7747	0.8073✓	0.7925	0.7717	0.7933
Oct 2	0.7737	0.8094✓	0.7926	0.7749	0.7934
Oct 1	0.7952	0.8091✓	0.7929	0.7741	0.7931
Sep 30	0.7977	0.8090✓	0.7957	0.7709	0.7950
Sep 29	0.7943	0.8060✓	0.7918	0.7724	0.7917
Sep 28	0.7676	0.8073✓	0.7920	0.7728	0.7912
Sep 27	0.7673	0.8063✓	0.7917	0.7725	0.7909
Sep 26	0.7667	0.8063✓	0.7911	0.7719	0.7903
Sep 25	0.7928	0.8059✓	0.7913	0.7706	0.7904
Sep 24	0.7952	0.8074✓	0.7934	0.7702	0.7923
Sep 23	0.7920	0.8031✓	0.7906	0.7680	0.7902
Sep 22	0.7919	0.8056✓	0.7899	0.7693	0.7890
Sep 21	0.7898	0.8032✓	0.7883	0.7692	0.7871
Sep 20	0.7840	0.8026✓	0.7887	0.7695	0.7891
Sep 19	0.7676	0.8028✓	0.7881	0.7689	0.7885
Sep 18	0.7900	0.8042✓	0.7881	0.7710	0.7884
Sep 17	0.7914	0.8056✓	0.7890	0.7693	0.7890
Sep 16	0.7933	0.8056✓	0.7919	0.7732	0.7910
Sep 15	0.7943	0.8083✓	0.7923	0.7760	0.7918
Sep 14	0.7960	0.8090✓	0.7946	0.7752	0.7924
Sep 13	0.7952	0.8107✓	0.7963	0.7762	0.7988
Sep 12	0.7868	0.8107✓	0.7954	0.7754	0.7979
Sep 11	0.7969	0.8137✓	0.7956	0.7740	0.7981
Sep 10	0.7973	0.8088✓	0.7946	0.7760	0.7941
Sep 9	0.7960	0.8106✓	0.7936	0.7768	0.7928
Sep 8	0.7972	0.8117✓	0.7955	0.7800	0.7947
Sep 7	0.8010	0.8150✓	0.7987	0.7792	0.7986
Sep 6	0.8007	0.8163✓	0.8010	0.7791	0.8019
Sep 5	0.7953	0.8162✓	0.8010	0.7791	0.8019
Sep 4	0.8045	0.8177✓	0.8031	0.7785	0.8017
Sep 3	0.8051	0.8175✓	0.8036	0.7817	0.8023
Sep 2	0.8032	0.8158✓	0.8019	0.7915	0.8026
Sep 1	0.8118	0.8256✓	0.8117	0.7903	0.8092
Aug 31	0.8118	0.8256✓	0.8117	0.7903	0.8092
Aug 30	0.7938	0.8255✓	0.8102	0.7903	0.8122
Aug 29	0.7938	0.8257✓	0.8102	0.7903	0.8122
Aug 28	0.8154	0.8282✓	0.8137	0.7935	0.8125
Aug 27	0.8152	0.8282✓	0.8136	0.7947	0.8124
Aug 26	0.8202	0.8342✓	0.8191	0.7983	0.8178
Aug 25	0.8203	0.8333✓	0.8183	0.7983	0.8166
Aug 24	0.8208	0.8338✓	0.8192	0.7998	0.8172
Aug 23	0.7905	0.8339✓	0.8124	0.7995	0.8197
Aug 22	0.7905	0.8339✓	0.8124	0.7995	0.8197
Aug 21	0.8231	0.8361✓	0.8214	0.7960	0.8199
Aug 20	0.8207	0.8337✓	0.8188	0.7944	0.8177
Aug 19	0.8155	0.8287✓	0.8136	0.7931	0.8127
Aug 18	0.8175	0.8304✓	0.8158	0.7960	0.8141
Aug 17	0.8198	0.8326✓	0.8181	0.7959	0.8180
Aug 16	0.8108	0.8319✓	0.8165	0.7944	0.8145
Aug 15	0.8108	0.8316✓	0.8165	0.7944	0.8145
Aug 14	0.8166	0.8298✓	0.8151	0.7940	0.8138
Aug 13	0.8143	0.8296✓	0.8139	0.7933	0.8126
Aug 12	0.8102	0.8317✓	0.8080	0.7886	0.8070
Aug 11	0.8102	0.8339✓	0.8080	0.7886	0.8070
Aug 10	0.8102	0.8328✓	0.8080	0.7886	0.8070
Aug 9	0.8102	0.8341✓	0.8080	0.7886	0.8070
Aug 8	0.8102	0.8340✓	0.8080	0.7886	0.8070
Aug 7	0.8102	0.8348✓	0.8080	0.7886	0.8070
Aug 6	0.8102	0.8350✓	0.8080	0.7886	0.8070
Aug 5	0.8102	0.8337✓	0.8080	0.7886	0.8070
Aug 4	0.8102	0.8360✓	0.8080	0.7886	0.8070
Aug 3	0.8102	0.8371✓	0.8080	0.7886	0.8070
Aug 2	0.8102	0.8359✓	0.8080	0.7886	0.8070
Aug 1	0.8102	0.8359✓	0.8080	0.7886	0.8070
Jul 31	0.8102	0.8357✓	0.8080	0.7886	0.8070
Jul 30	0.8102	0.8348✓	0.8080	0.7886	0.8070
Jul 29	0.8102	0.8318✓	0.8080	0.7886	0.8070
Jul 28	0.8102	0.8254✓	0.8080	0.7886	0.8070
Jul 27	0.8102	0.8276✓	0.8080	0.7886	0.8070
Jul 26	0.8102	0.8289✓	0.8080	0.7886	0.8070
Jul 25	0.8102	0.8290✓	0.8080	0.7886	0.8070
Jul 24	0.8102	0.8282✓	0.8080	0.7886	0.8070
Jul 23	0.8102	0.8290✓	0.8080	0.7886	0.8070
Jul 22	0.8102	0.8322✓	0.8080	0.7886	0.8070
Jul 21	0.8102	0.8368✓	0.8080	0.7886	0.8070
Jul 20	0.8102	0.8376✓	0.8080	0.7886	0.8070
Jul 19	0.8102	0.8369✓	0.8080	0.7886	0.8070
Jul 18	0.8102	0.8369✓	0.8080	0.7886	0.8070
Jul 17	0.8102	0.8358✓	0.8080	0.7886	0.8070
Jul 16	0.8102	0.8355✓	0.8080	0.7886	0.8070
Jul 15	0.8102	0.8325✓	0.8080	0.7886	0.8070
Jul 14	0.8102	0.8358✓	0.8080	0.7886	0.8070
Jul 13	0.8102	0.8314✓	0.8080	0.7886	0.8070
Jul 12	0.8102	0.8288✓	0.8080	0.7886	0.8070
Jul 11	0.8102	0.8293✓	0.8080	0.7886	0.8070
Jul 10	0.8102	0.8310✓	0.8080	0.7886	0.8070
Jul 9	0.8102	0.8252✓	0.8080	0.7886	0.8070
Jul 8	0.8102	0.8214✓	0.8080	0.7886	0.8070
Jul 7	0.8102	0.8206✓	0.8080	0.7886	0.8070
Jul 6	0.8102	0.8213✓	0.8080	0.7886	0.8070
Jul 5	0.8102	0.8231✓	0.8080	0.7886	0.8070
Jul 4	0.8102	0.8231✓	0.8080	0.7886	0.8070
Jul 3	0.8102	0.8231✓	0.8080	0.7886	0.8070
Jul 2	0.8109	0.8236✓	0.8093	0.7855	0.8079
Jul 1	0.8087	0.8214✓	0.8068	0.7865	0.8055
Jun 30	0.8086	0.8212✓	0.8070	0.7847	0.8054
Jun 29	0.8008	0.8179✓	0.8033	0.7815	0.8030
Jun 28	0.8008	0.8179✓	0.8033	0.7815	0.8030
Jun 27	0.8008	0.8180✓	0.8033	0.7815	0.8030
Jun 26	0.8052	0.8181✓	0.8036	0.7830	0.8021
Jun 25	0.8048	0.8183✓	0.8037	0.7846	0.8022
Jun 24	0.8058	0.8192✓	0.8048	0.7823	0.8033
Jun 23	0.8029	0.8160✓	0.8011	0.7824	0.8000
Jun 22	0.8057	0.8184✓	0.8038	0.7819	0.8025
Jun 21	0.7987	0.8185✓	0.8027	0.7822	0.8035
Jun 20	0.7987	0.8185✓	0.8027	0.7822	0.8035
Jun 19	0.8084	0.8212✓	0.8068	0.7872	0.8056
Jun 18	0.8089	0.8227✓	0.8078	—	0.8065
Jun 17	0.8134	0.8269✓	0.8114	—	0.8104
Jun 16	0.8134	0.8269✓	0.8114	—	0.8104
Jun 15	0.8134	0.8269✓	0.8114	—	0.8104
Jun 14	0.8060	0.8278✓	0.8100	—	0.8108
Jun 13	0.8060	0.8278✓	0.8100	—	0.8108
Jun 12	0.8060	0.8273✓	0.8100	—	0.8108
Jun 11	0.8140	0.8278✓	0.8132	—	0.8116
Jun 10	0.8140	0.8278✓	0.8132	—	0.8116
Jun 9	0.8114	0.8244✓	0.8095	—	0.8083
Jun 8	0.8102	0.8227✓	0.8083	—	0.8072
Jun 7	0.7969	0.8230✓	0.8078	0.7887	0.8070
Jun 6	0.7969	0.8231✓	0.8078	0.7887	0.8070
Jun 5	0.8105	0.8233✓	0.8090	0.7892	0.8077
Jun 4	0.8102	0.8233✓	0.8084	0.7889	0.8072
Jun 3	0.8133	0.8259✓	0.8109	0.7916	0.8098
Jun 2	0.8142	0.8276✓	0.8123	0.7937	0.8086
Jun 1	0.8193	0.8322✓	0.8170	0.7919	0.8156
May 31	0.8035	0.8335✓	0.8187	0.7922	0.8159
May 30	0.8035	0.8334✓	0.8187	0.7922	0.8159
May 29	0.8188	0.8302✓	—	0.7904	0.8154
May 28	0.8134	0.8267✓	—	0.7809	0.8107
May 27	0.8016	0.8147✓	—	0.7812	0.7988
May 26	0.8037	0.8172✓	—	0.7856	0.8013
May 25	0.8069	0.8206✓	—	0.7858	0.8040
May 24	0.7884	0.8206✓	—	0.7859	0.8067
May 23	0.7884	0.8206✓	—	0.7859	0.8067
May 22	0.8095	0.8221✓	—	0.7834	0.8062
May 21	0.8092	0.8204✓	—	0.7859	0.8067
May 20	0.8074	0.8207✓	—	0.7832	0.8048
May 19	0.8059	0.8192✓	0.8046	0.7819	0.8031
May 18	0.8052	0.8182✓	0.8035	0.7833	0.8026
May 17	0.7985	0.8169✓	0.8020	0.7832	0.8019
May 16	0.7985	0.8170✓	0.8020	0.7832	0.8019
May 15	0.8064	0.8182✓	0.8039	0.7833	0.8029
May 14	0.8070	0.8180✓	0.8052	0.7844	0.8021
May 13	0.8104	0.8231✓	0.8083	0.7874	0.8072
May 12	0.8104	0.8233✓	0.8086	0.7875	0.8073
May 11	0.8094	0.8226✓	0.8077	0.7874	0.8066
May 10	0.7895	0.8229✓	0.8085	0.7878	0.8074
May 9	0.7895	0.8234✓	0.8085	0.7878	0.8074
May 8	0.8102	0.8234✓	0.8084	0.7857	0.8073
May 7	0.8100	0.8229✓	0.8081	0.7824	0.8069
May 6	0.8072	0.8198✓	0.8053	0.7856	0.8043
May 5	0.8068	0.8194✓	0.8047	0.7823	0.8034
May 4	0.8067	0.8197✓	0.8049	0.7836	0.8040
May 3	0.7871	0.8192✓	0.8010	0.7832	0.8038
May 2	0.7871	0.8192✓	0.8010	0.7832	0.8038
May 1	0.8070	0.8202✓	0.8053	0.7836	0.8042
Apr 30	0.8043	0.8182✓	0.8031	0.7835	0.8015
Apr 29	0.8066	0.8191✓	0.8043	0.7856	0.8031
Apr 28	0.8091	0.8223✓	0.8074	0.7874	0.8063
Apr 27	0.8085	0.8217✓	0.8067	0.7873	0.8052
Apr 26	0.7964	0.8220✓	0.8034	0.7875	0.8054
Apr 25	0.7964	0.8220✓	0.8034	0.7875	0.8054
Apr 24	0.8088	0.8216✓	0.8070	0.7875	0.8058
Apr 23	0.8117	0.8247✓	0.8102	0.7847	0.8089
Apr 22	0.8120	0.8250✓	0.8095	0.7848	0.8091
Apr 21	0.8130	0.8247✓	0.8100	0.7878	0.8088
Apr 20	0.8087	0.8220✓	0.8067	0.7835	0.8057
Apr 19	0.7831	0.8202✓	0.8057	0.7837	0.8053
Apr 18	0.7831	0.8205✓	0.8057	0.7837	0.8053
Apr 17	0.8083	0.8213✓	0.8066	0.7872	0.8048
Apr 16	0.8108	0.8236✓	0.8095	0.7912	0.8079
Apr 15	0.8149	0.8279✓	0.8129	0.7922	0.8119
Apr 14	0.8146	0.8274✓	0.8123	0.7914	0.8111
Apr 13	0.8145	0.8275✓	0.8126	0.7916	0.8114
Apr 12	0.8070	0.8258✓	0.8086	0.7915	0.8115
Apr 11	0.8070	0.8260✓	0.8086	0.7915	0.8115
Apr 10	0.8138	0.8270✓	0.8125	0.7900	0.8112
Apr 9	0.8149	0.8282✓	0.8129	0.7872	0.8117
Apr 8	0.8058	0.8200✓	0.8046	0.7870	—
Apr 7	0.8114	0.8254✓	0.8102	0.7903	—
Apr 6	0.8127	0.8255✓	0.8110	0.7885	—
Apr 5	0.7894	0.8256✓	0.8104	0.7884	—
Apr 4	0.7894	0.8251✓	0.8104	0.7884	—
Apr 3	0.8134	0.8269✓	0.8109	0.7935	—
Apr 2	0.8156	0.8308✓	0.8135	0.7963	—
Apr 1	0.8170	0.8303✓	0.8156	0.7980	—
Mar 31	0.8192	0.8341✓	0.8176	0.7997	—
Mar 30	0.8217	0.8363✓	0.8194	0.8013	—
Mar 29	0.8217	0.8367✓	0.8224	0.8018	—
Mar 28	0.8219	0.8358✓	0.8207	0.7994	0.8200
Mar 18	0.8112	0.8239✓	0.8088	0.7896	0.8076
Mar 17	0.8125	0.8259✓	0.8110	0.7928	0.8097
Mar 16	0.8154	0.8288✓	0.8141	0.7915	0.8127
Mar 15	0.8057	0.8270✓	0.8112	0.7917	0.8110
Mar 14	0.8057	0.8270✓	0.8112	0.7917	0.8110
Mar 13	0.8057	0.8270✓	0.8112	0.7917	0.8110

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