NZD Exchange Rates

Transferring funds to NZ? Crunch the numbers with our NZD calculator which ranks international money transfer providers in our database based on exchange rate and fees.

I want to transfer
to
Today’s foreign exchange rates
Search promoted international money transfers below. Advertiser disclosure.
  • Excellent exchange rates, no transfer fees
  • 24/7 transfers online or over the phone
  • Personal account management and expert insights

$7,447 USD

Go to site
  • IN PERSON
    n/a
    BY PHONE
    $0
    ONLINE
    $0
  • $0.7447 USD

  • 1-2 days

  • $200 minimum

  • Only available to Business & eCommerce customers
  • Same-day transfers to most countries
  • ASIC regulated & trading since 2004

$7,425 USD

Go to site
  • IN PERSON
    n/a
    BY PHONE
    $0
    ONLINE
    $0
  • $0.7425 USD

  • 0-2 days

  • $2,000 minimum

  • Safe, secure, and trusted
  • Enjoy great rates, fee-free transfers, and lightning-fast payments right around the clock.
  • It’s simple, quick, and a lot cheaper than your bank.

$7,451 USD

Go to site
  • IN PERSON
    n/a
    BY PHONE
    $0
    ONLINE
    $0
  • $0.7451 USD

  • 0-1 day

  • $250 minimum

  • Bonus $50 credit on your first transaction and zero fees with InstaReM, use code MOZO50 (ends Dec 31, 2021)
  • Zero fees on first transaction until 31st Dec 2021
  • Transact online 24/7 with fast settlement and extremely competitive rates

$7,432 USD

Go to site
  • IN PERSON
    n/a
    BY PHONE
    $0
    ONLINE
    $0
  • $0.7432 USD

  • 1-2 days

  • $50 minimum

  • Fee Free transfers over $250 AUD ongoing
  • 24/7 Service (Phone & Online)
  • Great Rates with Fast and Secure transfers

$7,430 USD

Go to site
  • IN PERSON
    n/a
    BY PHONE
    $0
    ONLINE
    $0
  • $0.7430 USD

  • 1-2 days

  • $250 minimum
    $500 monthly minimum for regular transfers

  • XE is the world's trusted currency authority used by 280+ million people a year
  • XE dealers are licensed and authorised to provide financial advice
  • XE money transfer specialise in payments above AUD $20,000

$7,470 USD

Go to site
  • IN PERSON
    n/a
    BY PHONE
    $0
    ONLINE
    $0
  • $0.7470 USD

  • 1-3 days

  • $10,000 minimum

  • New customers get 5 free transfers
  • Fast, secure transfers, up to 8x cheaper than the banks
  • Join over 180,00 customers today

$7,433 USD

Go to site
  • IN PERSON
    n/a
    BY PHONE
    $4
    ONLINE
    $4
  • $0.7436 USD

  • 1-2 days

  • none

  • 90% of transfers settled on the same day. Remainder completed on the following day.
  • Reviewed as “Excellent” on Trustpilot.
  • First Payment is FREE

$7,397 USD

Go to site
  • IN PERSON
    n/a
    BY PHONE
    n/a
    ONLINE
    $0
  • $0.7397 USD

  • 0-1 days

  • No minimum

  • Get live exchange rate and low transparent fees
  • Enjoy First Two transfers up to $3,000 AUD Free
  • Fast, secure online transfers 24/7

$7,424 USD

Go to site
  • IN PERSON
    n/a
    BY PHONE
    n/a
    ONLINE
    $0
  • $0.7424 USD

  • 1-2 days

  • none

  • Transact in over 50 currencies from across the globe
  • No transaction fees or commissions above $10,000 AUD
  • Transact 24x7

$7,470 USD

Go to site
  • IN PERSON
    n/a
    BY PHONE
    $0
    ONLINE
    $0
  • $0.7470 USD

  • 1-2 days

  • none

  • Send money overseas securely
  • Transfer in a foreign currency for lower fees and lock in your conversion rate for peace of mind
  • Send money to over 99 countries in a wide range of currencies.

$7,185 USD

  • IN PERSON
    n/a
    BY PHONE
    $32
    ONLINE
    $12
  • $0.7194 USD

  • 1-2 days

  • $25,000 maximum

  • CBA customers - Send money easily and safely to over 200 countries
  • Send money in branch or via netbank

$7,151 USD

  • IN PERSON
    $30
    BY PHONE
    n/a
    ONLINE
    $6
  • $0.7155 USD

  • 1-3 days

  • up to $50,000 online

  • NAB customers - transfer money overseas with NAB internet banking
  • Transfer money to over 100 countries

$7,167 USD

  • IN PERSON
    $30
    BY PHONE
    n/a
    ONLINE
    $10
  • $0.7174 USD

  • 1-3 days

  • subject to daily withdrawal limit

  • Convert major foreign currencies to and from Australian dollars
  • Available to Westpac customers only

$7,137 USD

  • IN PERSON
    $32
    BY PHONE
    n/a
    ONLINE
    $10
  • $0.7144 USD

  • 1-2 days

  • subject to daily withdrawal limit

  • Fast Transfers
  • Bank beating exchange rates
  • No transaction fees

$7,451 USD

  • IN PERSON
    n/a
    BY PHONE
    $0
    ONLINE
    $0
  • $0.7451 USD

  • 1 business day

^See information about the Mozo Experts Choice International money transfers Awards

*The exchange rates offered by each provider are indicative exchange rates that have either been supplied by each provider or gathered by Mozo. Exchange rates fluctuate constantly and as a consequence the exchange rates listed here may vary to the actual exchange rate you are quoted by a provider. Please ensure you confirm the actual exchange rate with the relevant provider prior to conducting any transaction. These exchange rates are updated every hour.

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Top tips for sending money to New Zealand

Considering the large number of providers that offer to send money from Australia to New Zealand, it’s more than understandable if you’re feeling a bit confused with all the choices in front of you. But before you give in to the temptation of just going with the first familiar brand you see on the list, take out three minutes from your busy schedule to read our top tips that can help you pick the best IMT provider based on your needs and get the biggest bang for your buck.  

Tip 1# Hunt down a competitive exchange rate

When you’re comparing IMT providers for sending money to New Zealand, the one thing that’s got to be your top priority is finding a competitive exchange rate for the Kiwi dollar. Always remember even a small difference in rates can have a big impact on your final value.     

Take this scenario for example - Suzan is planning on moving to Auckland for a year and needs to transfer AUD $20,000 to a bank in New Zealand. At the time of writing, an independent FX agency like Torfx was offering NZD $20,816 for her Aussie dollars, whereas a major bank was only offering NZD $19,800. That’s a big difference of NZD $1016 - enough to buy her a return ticket between Auckland and Sydney!   

Tip 2# Check the fees that apply

Next up, you should take a look at any additional fees that may be tucked away in the fine print for transferring your money. Here’s a quick list of the different charges that could sneak up on you at the last moment if you don’t pay attention at the beginning:

Transfer fee. Most FX providers will charge a set fee for transferring your money to New Zealand. This fee typically depends on the provider you’re opting for, the amount of money you’re sending and whether you’re making the transfer online, over the phone or in person. While many online IMT providers offer fee free transfers, big banks generally charge around $30 if you make a transfer at a branch.  

Amendment fee. Once you’ve booked a transfer with a provider, if you want to make any changes, for example to the amount or to the recipient’s bank details, you may be required to pay an amendment fee of around $25.

Receiving bank fee. Apart from the provider you’re dealing with, the recipient’s bank in New Zealand may also charge a fee for receiving the funds.

Tip 3# Consider the features you’ll need

After you’ve checked up on all the extra fees and charges you might be stung with while sending money to New Zealand, take a look at some of the other important features of an international money transfer:

High transfer limit.

Do you know how much money you need to transfer? If it’s a big amount say more than $30,000, you should look for a provider that doesn’t have a limit on the amount of money you can send in one go. Most foreign exchange specialists like Compass Global Markets and 1st Contract don’t have any restriction on the maximum amount you can send. Major banks on the other hand, may have a cap based on your daily withdrawal limit.

Low transfer limit. 

What happens if you’re in the opposite situation and you only want to send a small amount say around $150? In that case, your best bet would be a peer-to-peer provider like CurrencyFair because they don’t have a limit on the minimum amount of money you can send. And while they do charge a small transfer fee, it’s usually much lower than what a big bank may charge you.   

Regular transfers.

Another thing to think about is whether you’re planning to make a one-off or regular money transfer. This matters because if you’ll need to send funds to NZ regularly, there are plenty of providers that offer cheaper options for a long term account.     

Faster transfer.

Generally it takes around 3-5 days for money to get transferred overseas. But if you’re in the middle of an emergency and need to send money faster, look for a provider that can make the process quicker for an extra fee.

Forward Contract.

What should you do if you spot a great NZD exchange rate now but don’t need to send the money immediately? In that case, you can explore the option of a Forward Contract with the provider, which means you lock in a competitive exchange rate now for a transfer down the line. This will protect you from any sudden drops in rates later.  

Tip 4# Check the IMT provider is regulated through ASIC

There’s nothing worse than sending your money overseas with a company that offers a great deal, only to find it is a scam. So ensure the provider you’re sending money through is licensed under ASIC. Because we care about your money, Mozo’s exchange rate calculator above, only lists regulated providers that will handle your funds safely.

Setting up your money transfer

Now that you know the top tips of sending money to New Zealand, it’s time to kick off your money transfer. Here are the general steps that apply:

Step 1: Compare deals

Head to the top of this page, plug in the amount of money you want to transfer into the exchange rate calculator and compare the providers based on who’s offering the best deal at the lowest fee. Don’t forget to consider other important features like transfer speed and limits.

Step 2: Choose a provider

Once you’ve made a decision, click on the blue ‘Go to site’ button to head over to the provider’s website where you can start the process.  

Step 3: Register and set up an account

You’ll need to register and create an account with the provider for them to process the transfer. You can then confirm how many Aussie dollars you want to exchange and provide the details of the recipient in New Zealand. Here’s a list of information the provider will need from you:

1. Proof of identity such as your driver’s licence, medicare card or passport copy

2. Full name and address of the recipient's bank

3. Recipient's name, address and account number

4. SWIFT/BIC Code - this is an 8 or 11 digit code that identifies banks around the world

Step 4:  Book the transaction

Finally, after you’re satisfied with the exchange rate and other associated costs, you’ll have to pay the agreed amount, which is usually done via electronic transfer. When the provider receives the money, they will make the transfer to the recipient’s bank account. Pretty simple, right?