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Compare exchange rates, fees, and delivery times from 53+ providers to find the cheapest way to send money abroad.
Reviewed on TrustpilotCompare rates, fees, delivery times, recipient requirements, and local payment methods for every country.
When comparing international money transfer services, consider the total cost of your transfer — not just the fee. Exchange rate markups can cost more than the advertised fee. The best provider depends on your corridor (the countries you are sending between), transfer amount, speed requirements, and preferred payment method.
Just need to check exchange rates? Use our currency converter for live mid-market rates across 60+ currencies.
Save NZ$568 — Regency FX vs ANZ
61d trend
Today's best
1.1918
HSBC
61d average
1.2059
Period best
1.2239
2026-05-16
Period worst
1.1917
2026-03-29
Based on 61 days of rate data across 11 providers · Updated every 6 hours
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
1.2104
Estimated · click to quote
~NZ$1,210.37
Estimated
Exchange rate
1.2104
Mid-market: 1.2165 (0.50% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~NZ$1,210.37
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
Free
Rate
1.1954
Mid 1.2165 ▼1.73%
NZ$1,195.41
Recipient gets
Exchange rate
1.1954
Mid-market: 1.2165 (1.73% below)
Transfer fee
Free
Delivery
Minutes to 3 days
Recipient gets
NZ$1,195.41
Rate History
↓ 0.2% over 18d
1.1681
1.16 – 1.17
-0.1%
Deals & promotions
Sign-up offer
First transfer with no fees
Refer a friend
You get $20 e-gift card per referral
Friend gets Fee-free first transfer
HSBC
Speed
Same day to 3 business days
Fee
Free
Rate
1.1918
Mid 1.2165 ▼2.03%
NZ$1,191.76
Recipient gets
Exchange rate
1.1918
Mid-market: 1.2165 (2.03% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
NZ$1,191.76
Rate History
Rate up 1.7%↑ 1.6% over 55d
1.1895
1.17 – 1.20
+0.2%
OFX
Speed
1-3 business days
Fee
A$15.00
Rate
1.1963
Mid 1.2165 ▼1.66%
NZ$1,178.31
Recipient gets
Exchange rate
1.1963
Mid-market: 1.2165 (1.66% below)
Transfer fee
A$15.00
Delivery
1-3 business days
Recipient gets
NZ$1,178.31
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
Commonwealth Bank
Speed
2-5 business days
Fee
Free
Rate
1.1764
Mid 1.2165 ▼3.29%
NZ$1,176.43
Recipient gets
Exchange rate
1.1764
Mid-market: 1.2165 (3.29% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
NZ$1,176.43
Rate History
↑ 1.2% over 60d
1.1726
1.15 – 1.18
+0.3%
Exchange rate
1.1703
Mid-market: 1.2165 (3.79% below)
Transfer fee
A$0.01
Delivery
2-5 business days
Recipient gets
NZ$1,170.34
Rate History
↑ 0.6% over 54d
1.1677
1.15 – 1.18
+0.2%
PayPal
Speed
Instant to 3 days
Fee
A$5.99
Rate
1.1648
Mid 1.2165 ▼4.25%
NZ$1,157.77
Recipient gets
Exchange rate
1.1648
Mid-market: 1.2165 (4.25% below)
Transfer fee
A$5.99
Delivery
Instant to 3 days
Recipient gets
NZ$1,157.77
Rate History
↑ 0.6% over 61d
1.1601
1.14 – 1.17
+0.4%
Deals & promotions
Sign-up offer
$10 when signing up via a referral link
Refer a friend
You get $10 per referral (up to 5 friends, $50 max)
Friend gets $10 after signing up and spending/sending $5+
Wise
Speed
Instant to 2 days
Fee
A$56.42
Rate
1.2171
Mid 1.2165 ▲0.05%
NZ$1,148.39
Recipient gets
Exchange rate
1.2171
Mid-market: 1.2165 (0.05% above)
Transfer fee
A$56.42
Delivery
Instant to 2 days
Recipient gets
NZ$1,148.39
Rate History
Most stable rate↑ 0.4% over 6d
1.2098
1.21 – 1.21
+0.3%
Deals & promotions
Sign-up offer
Fee-free first transfer up to ~$800 (GBP 500 equivalent)
Refer a friend
You get Up to $115 for every 3 friends who transfer $300+
Friend gets Fee-free first transfer (up to ~GBP 500)
TorFX
Speed
1-3 business days
Fee
A$81.96
Rate
1.2105
Mid 1.2165 ▼0.49%
NZ$1,111.28
Recipient gets
Exchange rate
1.2105
Mid-market: 1.2165 (0.49% below)
Transfer fee
A$81.96
Delivery
1-3 business days
Recipient gets
NZ$1,111.28
Deals & promotions
Refer a friend
You get GBP 50 per referral
Friend gets GBP 50 on first transfer
XE
Speed
1-4 business days
Fee
A$89.55
Rate
1.2099
Mid 1.2165 ▼0.54%
NZ$1,101.54
Recipient gets
Exchange rate
1.2099
Mid-market: 1.2165 (0.54% below)
Transfer fee
A$89.55
Delivery
1-4 business days
Recipient gets
NZ$1,101.54
Deals & promotions
Refer a friend
You get $25–$50 gift card depending on friend's transfer amount
Friend gets $25 gift card (transfer $1,000+) or $50 gift card (transfer $5,000+)
CurrencyFair
Speed
1-2 business days
Fee
A$97.63
Rate
1.2096
Mid 1.2165 ▼0.56%
NZ$1,091.54
Recipient gets
Exchange rate
1.2096
Mid-market: 1.2165 (0.56% below)
Transfer fee
A$97.63
Delivery
1-2 business days
Recipient gets
NZ$1,091.54
Exchange rate
1.1812
Mid-market: 1.2165 (2.90% below)
Transfer fee
A$456.40
Delivery
2-5 business days
Recipient gets
NZ$642.09
Rate History
↑ 0.9% over 22d
1.1762
1.16 – 1.19
+0.7%