Send money to New Zealand

Sending money to New Zealand from the US has many benefits. Because it’s a popular country, you’ll have plenty of selection when comparing transfer services. Before you get started on a transfer, compare fees and exchange rates of top providers to be sure you’re getting a good deal.

Send money to New Zealand with CurrencyTransfer

Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).

CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.

• Get the best foreign exchange rates available from this online marketplace
• Fast 1-2 day delivery to bank accounts
• Price-match guarantee if you find a better price elsewhere

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Compare international money transfers to New Zealand

Best ways to send money to New Zealand

Online money transfer providers typically offer the strongest exchange rates and lowest fees on money transfers to New Zealand. Some offer cash pickup in as little as a few minutes, while others transfer to bank accounts.

1. Digital money transfer services

Companies like XE and Wise specialize in foreign currencies, making them some of the most cost-effective ways to send money to New Zealand. Most offer transfers directly to your recipient's bank account in New Zealand, often in as little as a day or two.

• Why? Digital money transfer services are cheaper because they exist online and don't have as many employees or physical locations.

2. Cash transfers

Services like WorldRemit and Western Union allow you to transfer cash for pickup at a local branch in New Zealand— often in 15 minutes. While it's a fast way to send money, you'll pay for the convenience in weak exchange rates and high fees.

• Why? Picking up cash is more expensive because more people are involved.

3. Banks

The New Zealand dollar may be offered by your bank, but beware of high fees and wide margins on the exchange rate. Compare bank transfers to digital services and other options before sending a wire transfer to New Zealand.

• Why? Banks offer money transfers as a secondary service so don't strive to offer competitive prices.

How to send money to New Zealand online

Sign up and send money to New Zealand with a digital money transfer specialist in four steps:

1. Sign up for a free account. Compare and pick a provider before signing up for a free online account using your contact information, proof of ID and preferred payment method.
2. Provide transfer details. Submit your recipient's contact information and pick a delivery method. If transferring to a bank, you'll need their bank account details in New Zealand.
3. Confirm transfer details. Double-check your payment method, expected fees and destination.
4. Save your receipt. Record your receipt's confirmation number to track the progress of your transfer to New Zealand. Some money transfer providers send a text or email when your transfer is complete.

Get the most out of your money transfer to New Zealand

Weigh costs and fees against convenience to best compare money transfer providers that send to New Zealand. Consider:

• Exchange rates. The USD–NZD relationship fluctuates, so using a service that allows you to lock in exchange prices may help you save money down the line if the New Zealand dollar rises against the US dollar.
• Transfer fees. Transferring money overseas nearly always requires fees, but they might be hidden in the exchange rate. When sending large amounts, it may be cheaper to pay a flat fee to secure a stronger USD–NZD exchange rate.
• Transfer limits. How much you can send varies by company, and different amounts can attract higher or lower fees. Shop around for the best deal on the amount of New Zealand dollars you're sending to New Zealand.
• Turnaround. Transferring money through a local bank can take a business week or longer. If you need the funds delivered quickly, seek out a digital specialist that offers instant transfers to New Zealand.
• Sending limits. Comparing prices for one large transfer instead of many small transfers is typically easier, so picking the service you use based on how much you're sending is a valid strategy for saving money.
• Transfer methods. Whether you want money sent to a bank account in New Zealand or picked up as cash at a local agent, narrow down a company that matches your preferred delivery method.

New Zealand's exchange rates explained

Banks and money transfer companies use exchange rate to calculate how much New Zealand's currency is worth when converted to USD. The USD-NZD relationship can change daily based on global economic stability, interest rates, inflation and more.

Today's exchange rate USD to NZD

What to watch out for

Sending money to relatives or family members in New Zealand may be subject to taxes on the money transfer and certain documents may be required.

Taxes on transfers to New Zealand

In general, any large transfers being sent from the US to New Zealand should be filed with the IRS to avoid any penalties.

Required information

Receiving money in New Zealand:

• Transfer confirmation details like a transfer number, an MTCN, a reference number or a tracking number, depending on the company.
• Government-issued ID like a passport or similar official ID may be required to pick up your transfer.
• Sender's information. Take along your sender's full name, the sending country and their address, if known.

Sending to New Zealand from the US:

• Proof of identification like a government-issued ID or your SSN number.
• Recipient information like their name, address and bank account information in New Zealand.

Bottom line

Sending your hard-earned money to New Zealand shouldn't cost a fortune. Compare money transfer companies that specialize in foreign transactions for the strongest rates, lowest fees and flexible delivery. For transfers to other countries, rely on our country-specific guides the next time you need to make a transfer.