Send Money To New Zealand Cheaply


Avoid expensive bank fees when you send money to friends and family in New Zealand.

Sending money between Canada and New Zealand is relatively common since so many Canadians live and work in New Zealand and vice versa. Funds are often transferred to pay outstanding bills and business expenses and to provide financial support to friends and family members.

Whatever your reason for transferring money, sending funds overseas can sometimes be an expensive process. However, it’s now possible to send money to New Zealand without incurring high fees and poor exchange rates.

Browse the following international money transfer services which allow you to send money to New Zealand.

Use the table below to sort through money transfer services that you can use to send money to New Zealand. Use the headings at the top of the table to sort through products based on minimum transfer amount, online transfer fees, transfer speed and transfer methods.

Rates last updated February 21st, 2018
Name Product Min. Transfer Amount Transfer Speed Services Online Transfer Fee Rate Amount Received Description
TorFX International Money Transfers
USD 150
1 day
Online, Phone, Agent
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply.

Send money overseas in 45 currencies.
Exclusive: World First International Money Transfers
USD 1,000
1 day
Online, Phone
Exclusive offer: $0 transfer fee and discounted exchange rates for your first trade only.
A higher exchange rate applies to non-finder customers. Send money in more than 130 currencies.
TransferWise International Money Transfers
1 - 2 days
Make online transfers with transparent exchange rates, low fees and low minimum amounts.
Exclusive: OFX (Ozforex) International Money Transfers
USD 150
1 day
Online, Phone, Agent
Exclusive offer: Discounted exchange rates for your first and ongoing transactions. $0 transfer fee.
A higher exchange rate applies to non-finder customers. Send money in 45 currencies.
FC Exchange International Money Transfers
FC Exchange International Money Transfers
GBP 1,000
1 day
Online, Phone, Bank Account to Bank Account
FC Exchange can save you money with its Best Exchange Rate Guarantee. Conditions apply.

No transfer fee when transferring more than £10,000 or equivalent. Send money in 43 currencies.
Compass Global Markets International Money Transfers
1 day
Online, Phone
Send money overseas in at least 140 currencies.
HiFX International Money Transfers
2 days
Online, Phone, Agent
Make your first transfer for free

Send money in more than 40 currencies.
Currency Solutions International Money Transfers
GBP 3,000
2 days
Online, Phone, Bank Account to Bank Account
Send money in 39 currencies.
The ‘Rate’ and ‘Amount Received’ displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

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Banks vs money transfer companies

Many Canadian banks allow transfers to New Zealand, however banks typically charge a high transfer fee in addition to giving you a poor exchange rate.

It’s often cheaper to use a specialist online money transfer service. These types of services offer better exchange rates and charge lower fees to customers, ensuring that more of your money will end up at its destination. International money transfer services that allow you to transfer money between New Zealand and Canada include OFX, HSBC, TorFX, Travelex, World First, CurrencyFair, MoneyGram, Western Union and TransferWise.

To compare the difference in exchange rates and fees between a bank and a money transfer company, examine the case study below.

Case study: Hamish sends money from Canada to New Zealand

Hamish is going to spend two years in Canada for his job. He wants to transfer money back home to his wife in New Zealand regularly, so they can pay off their mortgage. Hamish has an account with a popular Canadian bank that allows transfers to New Zealand. So he considers whether he should use his bank to transfer money overseas or whether he should use the services of a specialist online money transfer company.

BankOnline money transfer service
Exchange rateCAD1 = NZD$1.05CAD1 = NZD1.12
Transfer feeCAD25CAD10
Amount received for CAD1,000NZD1,025NZD1,110
Transfer time3-5 days.Less than 24 hours.
Transfer optionsInternet or in person at a branch.Internet or via phone.
Difference+ NZD85

If Hamish chooses a money transfer service over his bank, he’ll save NZD85 every month. Not only are the fees CAD15 less with the money transfer service, the exchange rate this company offers is much higher too.

How to compare transfer companies when transferring money to New Zealand

As Hamish’s example illustrates, it’s worthwhile to compare a number of different options, including banks and multiple money service providers, before sending money overseas to New Zealand. Different money transfer companies offer different fees, exchange rates and pickup methods, so consider the following features when weighing your options:

  • Exchange rates. Consider the exchange rate that each money transfer service offers. Remember that some companies will offer a better exchange rate but then charge you higher fees, so consider the exchange rate in relation to the other features listed below.
  • Pickup methods. Some providers will only offer electronic transfer of funds, while others will allow cash to be picked up from a branch in New Zealand. The importance of this feature will depend on your recipient and whether they need cash or a direct deposit into their bank account. Emergency funds sent overseas to a friend or relative who has lost their wallet, for example, will require a service with cash pickup options.
  • Fees. You will have to pay some sort of transfer fee when sending money overseas to New Zealand, so compare fees between service providers. Keep in mind that some providers will waive their fees when you transfer more than a certain amount of money, which is typically over the $10,000 mark.
  • Turnaround time. If you need your money to arrive quickly, look for a company that promises to have the money available for pickup within minutes. Turnaround times normally vary from minutes to five days.
  • Transfer methods. Compare providers to see if they allow you to send funds online, over the phone or by visiting a branch. Fees may vary depending on the method you use, so check to see which method suits both you and your recipient.
  • Transfer options. Consider the transfer options each provider offers and determine if there are any financial benefits for you. Will your provider let you make regularly scheduled payments, set up forward contracts or place a market order? Again, not all of these features may be important to you as it will depend on your reason for transferring money overseas, but having options may be beneficial.
  • Minimum transfer amounts. Many providers will put a minimum transfer amount in place. This minimum limit could be as large as $1,000, which can be restricting if you only want to transfer a small amount. Some services will also set a maximum amount you can send, however keep in mind the more money you send the less expensive the fees should be.
  • Customer service. Compare each provider’s reputation for customer service, especially if you’re planning on using its services regularly. Check to see if the provider offers phone, email and live chat support and determine whether there is customer service 24/7 or at least during times that you or your recipient may need help.

How to send money to New Zealand from Canada

There are a few options to choose from when sending money from Canada to New Zealand including:

  • Online transfer services. A large number of companies allow you to quickly and easily transfer money online. These providers include TransferWise, Travelex, OFX, CurrencyFair, Fairfx and Currency Online. This option is generally quick and easy to use, with providers offering cheaper fees and competitive exchange rates.
  • PayPal. PayPal is a simple and affordable option to transfer funds electronically, though remember that both you and your recipient will need to have PayPal accounts. Signing up for a PayPal account is free and your recipient can withdraw the funds immediately, however keep in mind it takes a few days for the payment to move from PayPal into your recipient’s bank account.
  • Banks. Most Canadian banks will allow you to send funds to New Zealand. However, using a bank for an international money transfer can be more costly than other transfer options and you may have to settle for a poor exchange rate.
  • Emergency transfer. Certain transfer companies, including MoneyGram and Western Union, allow your recipient to pick up cash from branches and designated locations. This can be very handy if you need to send money in a hurry or your recipient doesn’t have a bank account.
  • International money order. This involves giving your money to a bank or post office in return for an international guaranteed cheque. You can then mail this cheque to the recipient overseas. As one of the first ways to send money overseas safely, this traditional method is the slowest of the options available, however money orders can be replaced if they are lost or damaged. Canada Post and Canadian banks can send money in the form of an international money order.

Emergency cash transfers in New Zealand

It may be necessary for you to pick up an emergency cash transfer in New Zealand. If you’re travelling the country and have misplaced or had your wallet or purse stolen, you have a couple of options in terms of picking up cash. Remember to report any theft to the police immediately.

Money can be sent overseas from a Canadian bank to a bank in New Zealand. When using a bank for emergency money transfers, make sure to double check the exchange rate it will use so you know how much money will arrive at your destination. Rates and fees differ between banks, so compare your options to ensure that you’re getting the best possible deal.

Other money transfer companies, like Western Union, also have physical locations where it’s possible to pick up cash. You’ll need a valid passport or photo ID to pick up the funds.

Keep in mind that if you have a credit card stolen, it may also be possible to access a small amount of emergency funds from your credit card provider. Contact your bank or credit card provider to see if any funds are available.

Cash pickup locations in New Zealand

If you’re planning to transfer funds to New Zealand via Western Union, MoneyGram or other services, you’ll find the details of some popular cash pickup locations below. For big transfers, it’s often a good idea to call the location before you go, to ensure they’ll have enough cash on hand to give you all of the funds. In order to retrieve the cash you’ll usually need to provide a reference number, transfer details and have photo ID on hand.

Western Union


    • Dongping Money Exchange 49 Victoria Street WestCBDAucklandOpen 10am to 8pm Monday to Saturday, and 11am to 5pm Saturday and Sunday+64-0800005253
    • Shortland Street Post Shop Level 2, Shortland Street CarparkAucklandOpen 8:30am to 5:30pm Monday to Friday, and 9am to 1pm Saturday+64-0800005253


  • Travelex Visitors Information CentreOld Post Office BuildingChristchurchOpen 7 days, 9am to 5pm+64-0800005253
  • Travelex Cnr Armagh And Colombo StreetsChristchurchOpen Monday to Friday 8:30am to 5pm, Saturday 10am to 4pm+64-0800005253



    • Travel Money – NZ Mid City Mid City CentreUnit G – 3-239 Queen StAUCKLAND, 1010Open 8am to 7pm Monday to Friday, 10am to 6pm Saturday and Sunday093691758
    • Lotus Foreign Exchange Inside Count DownSHOP C – 76 Quay StAUCKLAND, 1010Monday to Saturday 9am to 5pm93544471


  • Travel Money – NZ The Palms Shop 60 The PalmsShirleyCHRISTCHURCHOpen 9am to 6pm Monday to Friday33850023
  • Blue Star Finance UNIT 5 – 243 Blenheim RoadRiccartonCHRISTCHURCH, 8011Open 9am to 5:30pm Monday to Friday33542554

Tips for picking up cash in New Zealand

Although New Zealand is a safe country to travel and live in, you should always exercise caution when picking up large amounts of cash. Take a friend with you if possible and avoid waving money around and attracting attention. Stay away from any dangerous areas and head straight back to your hotel to deposit any money you don’t need in a safe place.

Sending money to New Zealand

There are several options listed above to help you transfer money from Canada to New Zealand. In many cases, you’ll need to supply your name and your recipient’s name and contact information. Once you’ve completed the transfer, you will normally receive some sort of receipt or notification so that you can track the progress of your funds.

You’ll likely need to provide your recipient with an ID number that they will use to pick up the funds. Your recipient will need valid photo ID and their name must exactly match the name you input.

Transferring money to New Zealand is easier and cheaper than ever. You have plenty of options to choose from to ensure that your money arrives quickly. Compare the services offered by different money transfer services to find the one that best suits your needs.

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2 Responses

  1. Default Gravatar
    PeterJanuary 29, 2016

    Question would you consider adding finding limos for example ?

    • Staff
      ShirleyJanuary 29, 2016Staff

      Hi Peter,

      Thanks for your suggestion! We hope to be launching Limo Finder soon.

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