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Compare exchange rates, fees, and delivery times from 52+ 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.
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Save NZ$309 — Regency FX vs Santander
54d trend
Today's best
2.2866
InstaReM
54d average
2.2805
Period best
2.3065
2026-04-07
Period worst
2.2563
2026-05-13
Based on 54 days of rate data across 14 providers · Updated every 6 hours
Regency FX
Speed
Same day to 2 business days
Fee
Free
Rate
2.2875
Estimated · click to quote
~NZ$1,143.74
Estimated
Exchange rate
2.2875
Mid-market: 2.2990 (0.50% below)
Transfer fee
Free
Delivery
Same day to 2 business days
Estimated receive
~NZ$1,143.74
InstaReM
Speed
1-3 business days
Fee
Free
Rate
2.2866
Mid 2.2990 ▼0.54%
NZ$1,143.28
Recipient gets
Exchange rate
2.2866
Mid-market: 2.2990 (0.54% below)
Transfer fee
Free
Delivery
1-3 business days
Recipient gets
NZ$1,143.28
Rate History
Best rate 36 of 54 days↓ 0.7% over 36d
2.2806
2.26 – 2.31
+0.3%
Deals & promotions
Sign-up offer
125 InstaPoints (~$1.25) on sign-up
Refer a friend
You get 200 InstaPoints (~$2.50) per referral
Friend gets 200 InstaPoints (~$2.50) on first transfer
Loyalty program
InstaPoints — earn points on transfers over $500, redeem at checkout (400 points = $10 discount)
HSBC
Speed
Same day to 3 business days
Fee
Free
Rate
2.2741
Mid 2.2990 ▼1.08%
NZ$1,137.07
Recipient gets
Exchange rate
2.2741
Mid-market: 2.2990 (1.08% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
NZ$1,137.07
Rate History
↓ 0.5% over 54d
2.2733
2.25 – 2.29
+0.0%
Royal Bank of Scotland
Speed
2-5 business days
Fee
Free
Rate
2.2443
Mid 2.2990 ▼2.38%
NZ$1,122.13
Recipient gets
Exchange rate
2.2443
Mid-market: 2.2990 (2.38% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
NZ$1,122.13
Rate History
↓ 0.5% over 54d
2.2445
2.22 – 2.27
-0.0%
Exchange rate
2.2443
Mid-market: 2.2990 (2.38% below)
Transfer fee
Free
Delivery
2-5 business days
Recipient gets
NZ$1,122.13
Rate History
↓ 0.5% over 54d
2.2445
2.22 – 2.27
-0.0%
OFX
Speed
1-3 business days
Fee
£3.50
Rate
2.2574
Mid 2.2990 ▼1.81%
NZ$1,120.78
Recipient gets
Exchange rate
2.2574
Mid-market: 2.2990 (1.81% below)
Transfer fee
£3.50
Delivery
1-3 business days
Recipient gets
NZ$1,120.78
Deals & promotions
Sign-up offer
Better introductory exchange rate on first transfer across 7 major currencies (USD, CAD, AUD, NZD, GBP, EUR, SGD)
Remitly
Speed
Minutes to 3-5 days
Fee
£9.95
Rate
2.2863
Mid 2.2990 ▼0.55%
NZ$1,120.42
Recipient gets
Exchange rate
2.2863
Mid-market: 2.2990 (0.55% below)
Transfer fee
£9.95
Delivery
Minutes to 3-5 days
Recipient gets
NZ$1,120.42
Rate History
Most stable rate↑ 0.2% over 34d
2.2776
2.26 – 2.30
+0.4%
Deals & promotions
Sign-up offer
$25 off first transfer of $100+ with zero fees and special exchange rate
Refer a friend
You get $25 per referral
Friend gets $25 off first transfer + zero fees + promo rate
Barclays
Speed
Same day to 3 business days
Fee
Free
Rate
2.2351
Mid 2.2990 ▼2.78%
NZ$1,117.53
Recipient gets
Exchange rate
2.2351
Mid-market: 2.2990 (2.78% below)
Transfer fee
Free
Delivery
Same day to 3 business days
Recipient gets
NZ$1,117.53
Rate History
↓ 0.4% over 54d
2.2369
2.20 – 2.27
-0.1%
Western Union
Speed
Minutes to 5 days
Fee
£14.95
Rate
2.2771
Mid 2.2990 ▼0.95%
NZ$1,104.52
Recipient gets
Exchange rate
2.2771
Mid-market: 2.2990 (0.95% below)
Transfer fee
£14.95
Delivery
Minutes to 5 days
Recipient gets
NZ$1,104.52
Rate History
↓ 0.6% over 54d
2.2782
2.25 – 2.30
-0.0%
Deals & promotions
Sign-up offer
First international transfer fee-free
Refer a friend
You get $15 Amazon e-gift code per referral (up to 20 friends)
Friend gets $10 Amazon e-gift code after first qualifying transfer
Loyalty program
My WU Rewards — earn points on qualifying transfers (currently paused, new program coming soon)
Xoom (PayPal)
Speed
Minutes to 3 days
Fee
£9.95
Rate
2.2530
Mid 2.2990 ▼2.00%
NZ$1,104.08
Recipient gets
Exchange rate
2.2530
Mid-market: 2.2990 (2.00% below)
Transfer fee
£9.95
Delivery
Minutes to 3 days
Recipient gets
NZ$1,104.08
Rate History
↓ 0.7% over 54d
2.2537
2.23 – 2.28
-0.0%
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
Wise
Speed
Instant to 2 days
Fee
£26.46
Rate
2.2960
Mid 2.2990 ▼0.13%
NZ$1,087.25
Recipient gets
Exchange rate
2.2960
Mid-market: 2.2990 (0.13% below)
Transfer fee
£26.46
Delivery
Instant to 2 days
Recipient gets
NZ$1,087.25
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)
PayPal
Speed
Instant to 3 days
Fee
£14.95
Rate
2.1822
Mid 2.2990 ▼5.08%
NZ$1,058.47
Recipient gets
Exchange rate
2.1822
Mid-market: 2.2990 (5.08% below)
Transfer fee
£14.95
Delivery
Instant to 3 days
Recipient gets
NZ$1,058.47
Rate History
↓ 0.7% over 54d
2.1861
2.16 – 2.22
-0.2%
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+
XE
Speed
1-4 business days
Fee
£46.49
Rate
2.2817
Mid 2.2990 ▼0.75%
NZ$1,034.79
Recipient gets
Exchange rate
2.2817
Mid-market: 2.2990 (0.75% below)
Transfer fee
£46.49
Delivery
1-4 business days
Recipient gets
NZ$1,034.79
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
£55.62
Rate
2.2794
Mid 2.2990 ▼0.85%
NZ$1,012.95
Recipient gets
Exchange rate
2.2794
Mid-market: 2.2990 (0.85% below)
Transfer fee
£55.62
Delivery
1-2 business days
Recipient gets
NZ$1,012.95
Lloyds Bank
Speed
2-5 business days
Fee
£47.50
Rate
2.2164
Mid 2.2990 ▼3.59%
NZ$1,002.94
Recipient gets
Exchange rate
2.2164
Mid-market: 2.2990 (3.59% below)
Transfer fee
£47.50
Delivery
2-5 business days
Recipient gets
NZ$1,002.94
Rate History
↓ 0.4% over 54d
2.2140
2.19 – 2.23
+0.1%
TorFX
Speed
1-3 business days
Fee
£69.33
Rate
2.2748
Mid 2.2990 ▼1.05%
NZ$979.69
Recipient gets
Exchange rate
2.2748
Mid-market: 2.2990 (1.05% below)
Transfer fee
£69.33
Delivery
1-3 business days
Recipient gets
NZ$979.69
Deals & promotions
Refer a friend
You get GBP 50 per referral
Friend gets GBP 50 on first transfer
Nationwide
Speed
2-5 business days
Fee
£75.00
Rate
2.2592
Mid 2.2990 ▼1.73%
NZ$960.16
Recipient gets
Exchange rate
2.2592
Mid-market: 2.2990 (1.73% below)
Transfer fee
£75.00
Delivery
2-5 business days
Recipient gets
NZ$960.16
Rate History
Rate up 0.2%↑ 0.2% over 54d
2.2484
2.21 – 2.27
+0.5%
Currencies Direct
Speed
1-2 business days
Fee
£92.32
Rate
2.2682
Mid 2.2990 ▼1.34%
NZ$924.70
Recipient gets
Exchange rate
2.2682
Mid-market: 2.2990 (1.34% below)
Transfer fee
£92.32
Delivery
1-2 business days
Recipient gets
NZ$924.70
Santander
Speed
2-5 business days
Fee
£125.00
Rate
2.2249
Mid 2.2990 ▼3.22%
NZ$834.36
Recipient gets
Exchange rate
2.2249
Mid-market: 2.2990 (3.22% below)
Transfer fee
£125.00
Delivery
2-5 business days
Recipient gets
NZ$834.36
Rate History
↓ 0.2% over 54d
2.2269
2.21 – 2.25
-0.1%