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Send money from United Kingdom to New Zealand(GBP → NZD)
GBP
NZD|Updated recentlyMid-market 2.2990Cheapest todayof 19 providers
InstaReM
Rate 2.2866 · Fee free
You send
£500
Recipient gets
NZ$1,143
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from United Kingdom to New Zealand in May 2026 is InstaReM, which delivers 1,143.28 NZD on a 500 GBP transfer with a fee of zero.
Last reviewed: by Awais Imran, Reviews Editor
↗
Rates are good right now
60th percentile
Based on 54 days of data (2026-03-28 to 2026-05-20)
Today's best
NZ$228.66
InstaReM
54-day avg
1 GBP = 2.28 NZD
Best rate
2.31
2026-04-07 · InstaReM
Worst rate
2.26
2026-05-13 · InstaReM
What is the cheapest way to send GBP to NZD?
Sending £500 from United Kingdom to New Zealand. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 2.2866·Fee Free·0.54% markup
Best rate 36 of 54 days
↓ 0.7% over 36dAvg: 2.28 NZD (+0.3% vs avg)Range: 2.26–2.31
1
InstaReMBest value
1-3 business days0.54% markup
Best rate 36 of 54 days
↓ 0.7% over 36dAvg: 2.28 NZD (+0.3% vs avg)Range: 2.26–2.31
2.2866
Free
NZ$1,143.28
Rate 2.2741·Fee Free·1.08% markup
↓ 0.5% over 54dAvg: 2.27 NZDRange: 2.25–2.29
2
2.2741
Free
NZ$1,137.07
Rate 2.2443·Fee Free·2.38% markup
↓ 0.5% over 54dAvg: 2.24 NZDRange: 2.22–2.27
3
2.2443
Free
NZ$1,122.13
Rate 2.2443·Fee Free·2.38% markup
↓ 0.5% over 54dAvg: 2.24 NZDRange: 2.22–2.27
4
2.2443
Free
NZ$1,122.13
Rate 2.2574·Fee £3.50·1.81% markup
Rate 2.2863·Fee £9.95·0.55% markup
Most stable rate
↑ 0.2% over 34dAvg: 2.28 NZD (+0.4% vs avg)Range: 2.26–2.30
6
Minutes to 3-5 days0.55% markup
Most stable rate
↑ 0.2% over 34dAvg: 2.28 NZD (+0.4% vs avg)Range: 2.26–2.30
2.2863
£9.95
NZ$1,120.42
Rate 2.2351·Fee Free·2.78% markup
↓ 0.4% over 54dAvg: 2.24 NZD (-0.1% vs avg)Range: 2.20–2.27
7
Same day to 3 business days2.78% markup
↓ 0.4% over 54dAvg: 2.24 NZD (-0.1% vs avg)Range: 2.20–2.27
2.2351
Free
NZ$1,117.53
Rate 2.2771·Fee £14.95·0.95% markup
↓ 0.6% over 54dAvg: 2.28 NZDRange: 2.25–2.30
8
2.2771
£14.95
NZ$1,104.52
Rate 2.2530·Fee £9.95·2.00% markup
↓ 0.7% over 54dAvg: 2.25 NZDRange: 2.23–2.28
9
2.2530
£9.95
NZ$1,104.08
Rate 2.2960·Fee £26.46·0.13% markup
Rate 2.1822·Fee £14.95·5.08% markup
↓ 0.7% over 54dAvg: 2.19 NZD (-0.2% vs avg)Range: 2.16–2.22
11
2.1822
£14.95
NZ$1,058.47
Rate 2.2817·Fee £46.49·0.75% markup
Rate 2.2794·Fee £55.62·0.85% markup
Rate 2.2164·Fee £47.50·3.59% markup
↓ 0.4% over 54dAvg: 2.21 NZD (+0.1% vs avg)Range: 2.19–2.23
14
2.2164
£47.50
NZ$1,002.94
Rate 2.2748·Fee £69.33·1.05% markup
Rate 2.2592·Fee £75.00·1.73% markup
Rate up 0.2%
↑ 0.2% over 54dAvg: 2.25 NZD (+0.5% vs avg)Range: 2.21–2.27
16
2-5 business days1.73% markup
Rate up 0.2%
↑ 0.2% over 54dAvg: 2.25 NZD (+0.5% vs avg)Range: 2.21–2.27
2.2592
£75.00
NZ$960.16
Rate 2.2682·Fee £92.32·1.34% markup
Rate 2.2249·Fee £125.00·3.22% markup
↓ 0.2% over 54dAvg: 2.23 NZD (-0.1% vs avg)Range: 2.21–2.25
18
2.2249
£125.00
NZ$834.36
Rate 2.2875·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
Sending money from United Kingdom to New Zealand? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best NZD amount today.
Money transfers from United Kingdom to New Zealand are a vital lifeline for families and businesses. With dozens of providers competing for this corridor, rates and fees vary widely. Specialist money transfer companies often beat bank rates by 2–4%, potentially saving you hundreds of GBP per year. Use our comparison to find today's best deal.
Which provider offers the best GBP to NZD rate?
InstaReM
4.0Exchange rate
2.2866
Fee
Free
Recipient gets
NZ$1,143.28
Speed
1-3 business 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 United Kingdom to New Zealand route.
Cheapest transfer
InstaReM
Delivers the most NZD for your money
Fastest transfer
Remitly
Delivers in Minutes to 3-5 days
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
InstaReM
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 GBP 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: GBP to NZD
See how much your recipient would get for common transfer amounts.
Send £500
ProviderFeeReceives
InstaReM
2.29 · 1-3 business days
HSBC
2.27 · Same day to 3 business days
Royal Bank of Scotland
2.24 · 2-5 business days
NatWest
2.24 · 2-5 business days
OFX
2.26 · 1-3 business days
Remitly
2.29 · Minutes to 3-5 days
ProviderFeeRateReceivesSpeed
InstaReMFree2.29NZ$1,1431-3 business days
HSBCFree2.27NZ$1,137Same day to 3 business days
Royal Bank of ScotlandFree2.24NZ$1,1222-5 business days
NatWestFree2.24NZ$1,1222-5 business days
OFX£3.502.26NZ$1,1211-3 business days
Remitly£9.952.29NZ$1,120Minutes to 3-5 days
Send £1,000
ProviderFeeReceives
InstaReM
2.29 · 1-3 business days
Remitly
2.29 · Minutes to 3-5 days
HSBC
2.28 · Same day to 3 business days
Western Union
2.28 · Minutes to 5 days
Xoom (PayPal)
2.25 · Minutes to 3 days
Royal Bank of Scotland
2.24 · 2-5 business days
ProviderFeeRateReceivesSpeed
InstaReMFree2.29NZ$2,2871-3 business days
Remitly£1.992.29NZ$2,282Minutes to 3-5 days
HSBCFree2.28NZ$2,279Same day to 3 business days
Western Union£2.992.28NZ$2,270Minutes to 5 days
Xoom (PayPal)£1.992.25NZ$2,249Minutes to 3 days
Royal Bank of ScotlandFree2.24NZ$2,2442-5 business days
Send £5,000
ProviderFeeReceives
InstaReM
2.29 · 1-3 business days
Wise
2.30 · Instant to 2 days
Remitly
2.29 · Minutes to 3-5 days
HSBC
2.28 · Same day to 3 business days
Western Union
2.28 · Minutes to 5 days
XE
2.28 · 1-4 business days
ProviderFeeRateReceivesSpeed
InstaReMFree2.29NZ$11,4331-3 business days
Wise£26.462.30NZ$11,419Instant to 2 days
Remitly£9.952.29NZ$11,409Minutes to 3-5 days
HSBCFree2.28NZ$11,396Same day to 3 business days
Western Union£14.952.28NZ$11,352Minutes to 5 days
XE£46.492.28NZ$11,3031-4 business days
How much does it cost to send money from United Kingdom to New Zealand?
Transfer fees from United Kingdom to New Zealand vary by provider. Specialist services charge £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, not just the advertised fee.
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 (2.2990).
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
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
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 from United Kingdom to New Zealand arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to New Zealand for a small premium.
FastExpress delivery
- RemitlyMinutes to 3-5 days
- Western UnionMinutes to 5 days
- Xoom (PayPal)Minutes to 3 days
- WiseInstant to 2 days
- PayPalInstant to 3 days
Standard delivery
- InstaReM1-3 business days
- HSBCSame day to 3 business days
- Royal Bank of Scotland2-5 business days
- NatWest2-5 business days
- OFX1-3 business days
GBP to NZD Exchange Rate History
Daily best exchange rates from top providers over the last 54 days. Rates shown are for sending $100.
| Date | Barclays | Santander | Royal Bank of Scotland | HSBC | Lloyds Bank |
|---|---|---|---|---|---|
| Trend | |||||
| May 20 | 2.2350 | 2.2249 | 2.2443 | 2.2742✓ | 2.2165 |
| May 19 | 2.2240 | 2.2155 | 2.2348 | 2.2636✓ | 2.2032 |
| May 18 | 2.2179 | 2.2094 | 2.2273 | 2.2574✓ | 2.1971 |
| May 17 | 2.2183 | 2.2099 | 2.2278 | 2.2578✓ | 2.1976 |
| May 16 | 2.2183 | 2.2099 | 2.2278 | 2.2578✓ | 2.1976 |
| May 15 | 2.2052 | 2.2167 | 2.2195 | 2.2471✓ | 2.1909 |
| May 14 | 2.2111 | 2.2227 | 2.2255 | 2.2531✓ | 2.1967 |
| May 13 | 2.2037 | 2.2152 | 2.2187 | 2.2455✓ | 2.1893 |
| May 12 | 2.2194 | 2.2071 | 2.2284 | 2.2574✓ | 2.1994 |
| May 11 | 2.2213 | 2.2090 | 2.2303 | 2.2593✓ | 2.2012 |
| May 10 | 2.2224 | 2.2101 | 2.2314 | 2.2605✓ | 2.2023 |
| May 9 | 2.2224 | 2.2101 | 2.2314 | 2.2605✓ | 2.2023 |
| May 8 | 2.2197 | 2.2091 | 2.2315 | 2.2585✓ | 2.1986 |
| May 7 | 2.2187 | 2.2081 | 2.2283 | 2.2575✓ | 2.1976 |
| May 6 | 2.2272 | 2.2166 | 2.2365 | 2.2661✓ | 2.2060 |
| May 5 | 2.2436 | 2.2455 | 2.2536 | 2.2821✓ | 2.2225 |
| May 4 | 2.2359 | 2.2378 | 2.2467 | 2.2743✓ | 2.2148 |
| May 3 | 2.2392 | 2.2411 | 2.2500 | 2.2777✓ | 2.2181 |
| May 2 | 2.2392 | 2.2411 | 2.2500 | 2.2777✓ | 2.2181 |
| May 1 | 2.2408 | 2.2296 | 2.2512 | 2.2789✓ | 2.2204 |
| Apr 30 | 2.2487 | 2.2375 | 2.2570 | 2.2870✓ | 2.2282 |
| Apr 29 | 2.2386 | 2.2273 | 2.2473 | 2.2766✓ | 2.2181 |
| Apr 28 | 2.2285 | 2.2195 | 2.2378 | 2.2668✓ | 2.2078 |
| Apr 27 | 2.2350 | 2.2260 | 2.2451 | 2.2734✓ | 2.2142 |
| Apr 26 | 2.2381 | 2.2291 | 2.2482 | 2.2766✓ | 2.2173 |
| Apr 25 | 2.2381 | 2.2291 | 2.2482 | 2.2766✓ | 2.2173 |
| Apr 24 | 2.2360 | 2.2408 | 2.2458 | 2.2753✓ | 2.2157 |
| Apr 23 | 2.2246 | 2.2294 | 2.2349 | 2.2637✓ | 2.2044 |
| Apr 22 | 2.2247 | 2.2295 | 2.2356 | 2.2637✓ | 2.2045 |
| Apr 21 | 2.2248 | 2.2218 | 2.2338 | 2.2621✓ | 2.2021 |
| Apr 20 | 2.2346 | 2.2316 | 2.2437 | 2.2720✓ | 2.2117 |
| Apr 19 | 2.2368 | 2.2338 | 2.2459 | 2.2743✓ | 2.2139 |
| Apr 18 | 2.2368 | 2.2338 | 2.2459 | 2.2743✓ | 2.2139 |
| Apr 17 | 2.2339 | 2.2289 | 2.2452 | 2.2726✓ | 2.2143 |
| Apr 16 | 2.2336 | 2.2286 | 2.2435 | 2.2723✓ | 2.2140 |
| Apr 15 | 2.2375 | 2.2325 | 2.2457 | 2.2763✓ | 2.2179 |
| Apr 14 | 2.2573 | 2.2195 | 2.2504 | 2.2792✓ | 2.2208 |
| Apr 13 | 2.2577 | 2.2199 | 2.2511 | 2.2795✓ | 2.2212 |
| Apr 12 | 2.2604 | 2.2226 | 2.2538 | 2.2823✓ | 2.2239 |
| Apr 11 | 2.2604 | 2.2226 | 2.2538 | 2.2823✓ | 2.2239 |
| Apr 10 | 2.2473 | 2.2117 | 2.2402 | 2.2703✓ | 2.2106 |
| Apr 9 | 2.2520 | 2.2163 | 2.2460 | 2.2750✓ | 2.2152 |
| Apr 8 | 2.2661 | 2.2301 | 2.2605 | 2.2892✓ | 2.2290 |
| Apr 7 | 2.2565 | 2.2400 | 2.2650 | 2.2929✓ | 2.2308 |
| Apr 6 | 2.2533 | 2.2369 | 2.2618 | 2.2898✓ | 2.2277 |
| Apr 5 | 2.2574 | 2.2408 | 2.2635 | 2.2938✓ | 2.2317 |
| Apr 4 | 2.2574 | 2.2408 | 2.2635 | 2.2938✓ | 2.2317 |
| Apr 3 | 2.2568 | 2.2403 | 2.2630 | 2.2933✓ | 2.2312 |
| Apr 2 | 2.2491 | 2.2488 | 2.2571 | 2.2867✓ | 2.2291 |
| Apr 1 | 2.2511 | 2.2508 | 2.2599 | 2.2888✓ | 2.2312 |
| Mar 31 | 2.2429 | 2.2355 | 2.2531 | 2.2810✓ | 2.2219 |
| Mar 30 | 2.2433 | 2.2360 | 2.2529 | 2.2815✓ | 2.2224 |
| Mar 29 | 2.2466 | 2.2392 | 2.2553 | 2.2848✓ | 2.2256 |
| Mar 28 | 2.2446 | 2.2296 | 2.2552 | 2.2848✓ | 2.2247 |
Common questions about sending money from United Kingdom to New Zealand
What is the cheapest way to send money from United Kingdom to New Zealand?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from United Kingdom to New Zealand?
Most specialist providers deliver to New Zealand within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send £500 from United Kingdom to New Zealand?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much NZD your recipient would receive from a £500 transfer today.
Can I send money from United Kingdom to New Zealand online?
Yes, all the providers we compare support online transfers from United Kingdom to New Zealand. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to New Zealand?
Money transfer services are almost always cheaper. Banks typically charge £25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge £0–10 with markups under 1%, saving you significantly on every transfer to New Zealand.
Everything about sending money to New Zealand
Recipient requirements, delivery methods, regulations, popular banks, and more.
Other routes to New Zealand
Popular corridors
Top provider reviews
Useful guides
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