Loading...
Send money from United States to New Zealand(USD → NZD)
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 from United States 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.
Last reviewed: by Awais Imran, Reviews Editor
What is the cheapest way to send USD to NZD?
Sending $1,000 from United States 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
Compare the cheapest ways to send money from United States to New Zealand. We compare fees, exchange rates, and transfer speeds from 15+ providers so you get the most NZD for your $.
American expats and immigrants regularly send money to New Zealand. The cost difference between providers can be significant — banks typically charge 3–5% in hidden exchange rate markups, while specialist services like Wise, Remitly, and WorldRemit offer rates much closer to the mid-market rate. Our comparison shows the total NZD received from each provider after all fees and markups.
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 United States 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 United States to New Zealand?
Transfer fees from United States 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 (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 from United States 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
- 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 United States to New Zealand
What is the cheapest way to send money from United States 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 States 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 $1,000 from United States 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 $1,000 transfer today.
Can I send money from United States to New Zealand online?
Yes, all the providers we compare support online transfers from United States 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
Compare all providers for United States to New Zealand
Enter your exact amount to see personalised quotes from every provider on this route.
Compare providers now