Send money to New Zealand
XE Money Transfer
Rate 1.7707 · Fee free
You send
$1,000
Estimated receipt
NZ$1,771
NZ$46 more than the lowest estimate · 1.00% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: XE Money Transfer ranks first of 5 for 1,000 USD → NZD: 1,770.71 NZD estimated. 45.71 NZD separates first from last.
Latest pricing observation: . Quotes are kept per USD→NZD pair, not per country, so check is served before you commit. Methodology.
What is the cheapest way to send USD to NZD?
Sending $1,000 to New Zealand, ranked by estimated payout.
Source: our collected quotes
Estimated payout difference: NZ$45.71 between first and last on $1,000.
New Zealand is a major destination for remittances from Pacifica communities, Filipino workers, and Indian immigrants. NZD is a freely floating currency and one of the most traded globally. Payments NZ's FastPay initiative and Paymark networks enable real-time interbank transfers, and most specialist providers deliver to New Zealand bank accounts within 1 business day.
- New Zealand bank accounts use a 16-digit number (Bank + Branch + Account + Suffix). No BSB or IBAN — the full 16-digit number identifies the account uniquely for both domestic and some international transfers.
- ANZ NZ, BNZ (Bank of New Zealand), Westpac NZ, ASB Bank, and Kiwibank are the five major banks. All support inbound SWIFT transfers and have modern mobile banking apps.
- The Reserve Bank of New Zealand (RBNZ) regulates financial services. All regulated providers are listed on the RBNZ register.
- NZD is closely correlated with AUD and commodity prices. The rate difference between providers is typically 0.5–2% — compare total NZD received rather than fees alone.
- Kiwibank is a government-owned bank popular with residents who prefer a local alternative to Australian-owned banks. It has competitive international wire processing.
Which provider offers the best USD to NZD rate?
XE Money Transfer
4.4Exchange rate
1.7707
Fee
Free
Recipient gets
NZ$1,770.71
Speed
1-4 business days
Guides, fees & how it works
Which provider suits each USD→NZD transfer?
XE Money Transfer currently delivers the most NZD on this route, while Wise is the fastest.
Cheapest transfer
XE Money Transfer
Delivers the most NZD for your money
Fastest transfer
Wise
Delivers in Instant to 2 days
Bank transfer
XE Money Transfer
Best rate for bank deposit to New Zealand
What you need to send money to New Zealand
Full name
Recipient's full legal name as it appears on their bank account
Bank account number
Recipient's bank account number
Bank name
Name of the receiving bank
SWIFT/BIC code
Optional8 or 11-character SWIFT code identifying the bank (may be optional with IBAN)
Transfer examples: USD to NZD
Send $500
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| XE Money Transfer1.77 · 1-4 business days | Free | 1.77 | NZ$885 | 1-4 business days |
| OFX1.76 · 1-3 business days | Free | 1.76 | NZ$881 | 1-3 business days |
| Currencies Direct1.76 · 1-2 business days | Free | 1.76 | NZ$880 | 1-2 business days |
| CurrencyFair1.77 · 1-2 business days | $2.83 | 1.77 | NZ$880 | 1-2 business days |
| Wise1.78 · Instant to 2 days | $31.68 | 1.78 | NZ$834 | Instant to 2 days |
| Regency FX1.78 · Same day may be available; confirm your route | Free | 1.78 | NZ$890 | Same day may be available; confirm your route |
Send $1,000
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| XE Money Transfer1.77 · 1-4 business days | Free | 1.77 | NZ$1,771 | 1-4 business days |
| CurrencyFair1.77 · 1-2 business days | $2.83 | 1.77 | NZ$1,765 | 1-2 business days |
| OFX1.76 · 1-3 business days | Free | 1.76 | NZ$1,763 | 1-3 business days |
| Currencies Direct1.76 · 1-2 business days | Free | 1.76 | NZ$1,760 | 1-2 business days |
| Wise1.78 · Instant to 2 days | $31.68 | 1.78 | NZ$1,725 | Instant to 2 days |
| Regency FX1.78 · Same day may be available; confirm your route | Free | 1.78 | NZ$1,780 | Same day may be available; confirm your route |
Send $5,000
| Provider | Fee | Rate | Receives | Speed |
|---|---|---|---|---|
| XE Money Transfer1.77 · 1-4 business days | Free | 1.77 | NZ$8,854 | 1-4 business days |
| Wise1.78 · Instant to 2 days | $31.68 | 1.78 | NZ$8,851 | Instant to 2 days |
| CurrencyFair1.77 · 1-2 business days | $2.83 | 1.77 | NZ$8,844 | 1-2 business days |
| OFX1.76 · 1-3 business days | Free | 1.76 | NZ$8,814 | 1-3 business days |
| Currencies Direct1.76 · 1-2 business days | Free | 1.76 | NZ$8,800 | 1-2 business days |
| Regency FX1.78 · Same day may be available; confirm your route | Free | 1.78 | NZ$8,898 | Same day may be available; confirm your route |
How much does it cost to send money to New Zealand?
Of the 5 estimates we hold for $1,000 USD to NZD, 3 charge no transfer fee and 2 charge between $2.83 and $31.68. Their exchange rates sit 0.40% to 1.60% above the mid-market rate (median 1.05%), a spread worth 21 NZD on this amount.
How can my recipient receive money in New Zealand?
Recipients in New Zealand have 2 ways to receive this transfer: bank deposit; cash pickup.
Bank Deposit
Direct transfer to bank accounts in New Zealand.
Cash Pickup
Collect cash from agent locations in New Zealand.
How long does it take to send money to New Zealand?
1 of the 6 providers quoting USD to NZD advertise delivery within minutes (Wise); 5 quote longer, such as XE Money Transfer at 1-4 business days on USD to NZD.
Provider-stated speeds for New Zealand, not our measurement.
- WiseInstant to 2 days
- XE Money Transfer1-4 business days
- CurrencyFair1-2 business days
- OFX1-3 business days
- Currencies Direct1-2 business days
- Regency FXSame day may be available; confirm your route
Frequently asked questions
Common questions about sending money to New Zealand
What is the cheapest way to send money to New Zealand?
From the UK, the measured GBP to NZD leader is InstaReM, which led on 70 of the last 91 days we could compare; from Australia it is HSBC (47 of 91 days). OFX is worth quoting for larger amounts, and Remitly covers New Zealand for everyday transfers.
How long does a transfer to New Zealand take?
Wise typically delivers within 1–2 business days. OFX and TorFX deliver within 1 business day for transfers above NZD 1,000. Same-day delivery is possible for transfers received before cut-off times. Traditional SWIFT bank wires take 2–4 business days.
What bank details do I need to send money to New Zealand?
You need the recipient's full 16-digit account number (format: 00-0000-0000000-00, e.g. ANZ starts with 01, BNZ with 02, Westpac with 03, ASB with 12, Kiwibank with 38). For SWIFT wires, you also need the bank's SWIFT code: ANZ NZ (ANZBNZ22), BNZ (BKNZNZ22), Westpac NZ (WPACNZ2W), ASB (ASBBNZ2A), Kiwibank (KIWINZ22).
Are there taxes on money sent to New Zealand?
New Zealand has no gift tax. Personal remittances and gifts from overseas are not taxable for the recipient. New Zealand tax residents must declare worldwide income, but family support payments and genuine gifts are excluded. Inland Revenue (IRD) focuses on income, not personal transfers.
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