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Send money to New Zealand
USD
NZD|Updated recentlyMid-market 1.7158Cheapest todayof 7 providers
Wise
Rate 1.7148 · Fee $15.86
You send
$1,000
Recipient gets
NZ$1,688
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money to New Zealand in May 2026 is Wise, which delivers 1,687.57 NZD on a 1,000 USD transfer with a fee of $15.86 and an exchange rate of 1.7148.
Last reviewed: by Awais Imran, Reviews Editor
What is the cheapest way to send USD to NZD?
Sending $1,000 from to New Zealand. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 1.7148·Fee $15.86·0.06% markup
Rate 1.7038·Fee $31.92·0.70% markup
Rate 1.7022·Fee $36.37·0.79% markup
Rate 1.7021·Fee $38.72·0.80% markup
Rate 1.6935·Fee $62.47·1.30% markup
Rate 1.6736·Fee $122.83·2.46% markup
Rate 1.7072·Fee Free·0.50% markup
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
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?
Wise
4.3Exchange rate
1.7148
Fee
$15.86
Recipient gets
NZ$1,687.57
Speed
Instant to 2 days
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the to New Zealand route.
Cheapest transfer
Wise
Delivers the most NZD for your money
Fastest transfer
Wise
Delivers in Instant to 2 days
Cash pickup
Xoom (PayPal)
Widest cash pickup network
Bank transfer
Wise
Best rate for bank deposit to New Zealand
How to send money to New Zealand
Sending money to New Zealand is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much USD you want to send, compare providers above, and pick the one offering the best NZD amount for your transfer to New Zealand.
Step 2
Add your recipient
Enter your recipient's details in New Zealand — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes 1–3 business days.
What you need to send money to New Zealand
Make sure you have these details from your recipient before starting your transfer.
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)
Note: You need the recipient's bank account number and bank name. Contact the recipient's bank for their SWIFT/BIC code if required.
Transfer examples: USD to NZD
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
Wise
1.71 · Instant to 2 days
XE
1.70 · 1-4 business days
OFX
1.70 · 1-3 business days
CurrencyFair
1.70 · 1-2 business days
Currencies Direct
1.69 · 1-2 business days
Xoom (PayPal)
1.67 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
Wise$15.861.71NZ$830Instant to 2 days
XE$31.921.70NZ$7981-4 business days
OFX$36.371.70NZ$7891-3 business days
CurrencyFair$38.721.70NZ$7851-2 business days
Currencies Direct$62.471.69NZ$7411-2 business days
Xoom (PayPal)$122.831.67NZ$631Minutes to 3 days
Send $1,000
ProviderFeeReceives
Wise
1.71 · Instant to 2 days
XE
1.70 · 1-4 business days
OFX
1.70 · 1-3 business days
CurrencyFair
1.70 · 1-2 business days
Currencies Direct
1.69 · 1-2 business days
Xoom (PayPal)
1.67 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
Wise$15.861.71NZ$1,688Instant to 2 days
XE$31.921.70NZ$1,6491-4 business days
OFX$36.371.70NZ$1,6401-3 business days
CurrencyFair$38.721.70NZ$1,6361-2 business days
Currencies Direct$62.471.69NZ$1,5881-2 business days
Xoom (PayPal)$122.831.67NZ$1,468Minutes to 3 days
Send $5,000
ProviderFeeReceives
Wise
1.71 · Instant to 2 days
XE
1.70 · 1-4 business days
OFX
1.70 · 1-3 business days
CurrencyFair
1.70 · 1-2 business days
Currencies Direct
1.69 · 1-2 business days
Xoom (PayPal)
1.67 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
Wise$15.861.71NZ$8,547Instant to 2 days
XE$31.921.70NZ$8,4651-4 business days
OFX$36.371.70NZ$8,4491-3 business days
CurrencyFair$38.721.70NZ$8,4441-2 business days
Currencies Direct$62.471.69NZ$8,3621-2 business days
Xoom (PayPal)$122.831.67NZ$8,162Minutes to 3 days
How much does it cost to send money from to New Zealand?
Transfer fees to New Zealand vary by provider and how you pay. Specialist services charge NZ$0–10 per transfer, while banks charge $25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total NZD your recipient receives.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically $0–$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (1.7158).
Ways to send money to New Zealand
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Bank deposit is the standard delivery method for transfers to New Zealand. Cash pickup is available through international providers like Western Union and MoneyGram.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
How can my recipient receive money in New Zealand?
Your recipient in New Zealand can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit
1–3 business days
Direct transfer to bank accounts in New Zealand.
WiseRemitlyWorldRemitWestern Union
Cash Pickup
Minutes
Collect cash from agent locations in New Zealand.
Western UnionMoneyGram
What are the transfer limits and regulations for New Zealand?
Important rules and requirements to know before sending money to New Zealand.
Documentation you may need
- Government-issued photo ID (passport, driver's license, or state ID)
- Proof of address may be required for first-time transfers
Important things to know
- Check your provider's specific limits and requirements for transfers to New Zealand.
- Transfers over $10,000 (or equivalent) may trigger reporting requirements in your sending country.
How long does it take to send money to New Zealand?
Most transfers to New Zealand arrive within 1–2 business days with specialist providers. Mobile wallet and cash pickup options are often available within minutes. Bank deposits typically take 1–3 business days.
FastExpress delivery
- WiseInstant to 2 days
- Xoom (PayPal)Minutes to 3 days
Standard delivery
- XE1-4 business days
- OFX1-3 business days
- CurrencyFair1-2 business days
- Currencies Direct1-2 business days
- Regency FXSame day to 2 business days
Common questions about sending money from to New Zealand
What is the cheapest way to send money to New Zealand?
Wise offers the best NZD exchange rates for most corridors, followed by OFX for larger amounts. Remitly covers New Zealand for everyday transfers. For transfers from Australia, Wise and OFX offer very competitive AUD-to-NZD rates given the closely linked currencies.
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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