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Send money to the Balkans

Take advantage of low fees and competitive exchange rates when sending money to the Balkans.


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There are multiple options available for anyone looking to send money to the Balkans. In order to save yourself some money, it’s important to compare your options before deciding which money transfer service to use.

There are plenty of reasons why you may need to transfer funds from New Zealand to the Balkans. Perhaps you’ll need to transfer some emergency cash to a friend who is travelling through the region, or maybe you have family in the Balkans to whom you want to offer financial support.

The area referred to as the Balkans is made up of the following countries: Albania, Bosnia and Herzegovina, Bulgaria, Croatia, Greece, Kosovo, Macedonia, Montenegro, Romania, Serbia and Turkey.

The table below can be used to sort through options for sending money to the Balkans. Use the table headings to sort through products bases on fees or minimum transfer amounts. You can read more about a product by clicking ‘More’ or be taken securely to the provider’s website by clicking “Go to Site”.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 2,500 Same day NZD 0.00 0.584 EUR
Central FX’s dedicated private client team will guide you through the money transfer process from first call to final payment. Go to site Show details
NZD 250 1 day NZD 0.00 0.584 EUR
SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.
Go to site Show details
NZD 0 Same day NZD 0.00 0.584 EUR
Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
NZD 2,000 2 days NZD 0.00 0.584 EUR
Exclusive offer: $0 transfer fee and discounted exchange rates for all Finder customers.
A higher exchange rate applies to non-finder customers. Send money in more than 60 currencies.
Go to site Show details
NZD 250 1 day NZD 0.00 0.584 EUR
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply. Go to site Show details
NZD 1 Within an hour NZD 3.99 0.584 EUR
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
Go to site Show details
AUD 250 1 - 2 days NZD 15.00 0.584 EUR
A higher exchange rate applies to non-finder customers. Send money in 45 currencies. No fee if you transfer over AUD$10,000. Go to site Show details
NZD 1 1 - 2 days NZD 70.00 0.587 EUR
Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
NZD 5 1 - 2 days EUR 3.00 0.582 EUR
Special offer: Zero fees on your first 10 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
NZD 10,000 1 - 2 days NZD 0.00 0.582 EUR
Shop around for the best exchange rate on CurrencyTransfer's online marketplace. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Banks vs money transfer companies

The ease with which you can transfer money to the Balkans depends on which country you are actually sending money to. For example, Greece is a member of the Eurozone, and therefore, the euro is the most accepted currency. It’s also easy to transfer euros from banks and money transfer services.

However, after that things get a little more complicated. In Turkey, both the Turkish lira and euros are accepted. Both Kosovo and Montenegro use the euro but they do so without authorisation from the European Union. Bulgaria and Romania use their own currencies (lev and leu respectively) and are candidates for the Eurozone, while Albania (lek), Bosnia and Herzegovina (convertible mark), Croatia (kuna), Macedonia (denar) and Serbia (dinar) all use their own national currencies.

As these currencies are considered exotic, many New Zealand banks won’t have these currencies available. Instead, you might have to send another currency which can then be exchanged for the local currency by your recipient’s bank.

Alternatively, you could use a dedicated money transfer service to send your funds. Such services aim to offer better exchange rates and lower fees than offered by banks, and they typically exchange a large range of currencies. For example, OFX will allow you to exchange the New Zealand dollar for the Bulgarian lev.

Today’s exchange rate NZD to EUR

How do I compare transfer companies when transferring money to the Balkans?

Comparing your money transfer options can end up saving you a significant amount of money. Look at the following features when weighing up your options.

  • Exchange rates. Look for the best rate you can find to get the best possible deal. However, remember to keep an eye out for any high fees that may come attached to the offer of a “great rate”.
  • Fees. You’ll often have to pay a transfer fee to send money to the Balkans. Look for the lowest fee available, plus keep in mind that some companies will waive this fee when you send more than a certain amount.
  • Transfer methods. Do you need to send funds online or can you visit a branch? Do different fees apply for using different services?
  • Transfer options. Consider the transfer options on offer and how they will help you get a better deal. Will your provider allow you to set up regular payments in advance?
  • Minimum transfer amounts. Check the minimum transfer amount each company requires to ensure that you can meet that limit.
  • Pick-up methods. Consider whether it’s possible for the recipient to pick up cash from an outlet in the Balkans, or whether everything is conducted online.
  • Turnaround time. How quickly can your recipient get hold of the cash? Turnaround times can vary significantly between providers so shop around.
  • Customer service. Look for a trusted company that provides excellent customer service. The option of both phone and live chat support can be extremely helpful.
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How do I send money to the Balkans from New Zealand?

As mentioned above, the sheer number of currencies used in the Balkans can make matters a little complex. While it is still possible to send money through your bank, especially if you’re sending euros, you will most likely save money by using a money transfer company.

Companies you can use include:

  • OFX. Transfers to Bulgaria with OFX are conducted electronically.
  • Western Union. Use Western Union and your funds can be picked up at any Balkans country at a Western Union branch.
  • MoneyGram. MoneyGram has hundreds of branches across the Balkans where your money can be picked up.
  • WorldRemit. This company allows you to send money to selected Balkans countries, such as Bulgaria and Romania.
  • Travelex. Travelex allows you to send funds to Turkey.
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Emergency cash transfers in the Balkans

If you have a friend or relative travelling through the Balkans and they have their wallet stolen, you may have to transfer funds to them as quickly as possible.

It’s entirely possible to make an emergency transfer, but remember to make sure you’re fully aware of the exchange rate and fees that will apply to your transfer. Fees and poor exchange rates can quickly eat into the amount you are sending, so choose your money transfer service wisely.

It also makes sense to find a money transfer provider that offers rapid transfers so the money can arrive urgently, as well as plenty of store locations where your recipient can pick up their cash in person.

Finally, if you are travelling around the Balkans and your wallet is stolen, your travel insurance or credit card provider may be able to supply emergency funds. In order to receive them, however, you’ll need to report the theft to the police and obtain supporting documentation.

Cash pick-up locations in the Balkans

Both Western Union and MoneyGram offer an easy way to transfer money to the Balkans, so look below for details of some of each company’s most popular cash pick-up locations. For large transfers, notify the branch in advance of your pick-up so that they will have enough cash on hand. You may have to supply a reference number and some form of identification in order to pick up funds.

Western Union

  • Athens, Greece

    Central Post Office of Athens

    100 Eolou Str


    Athens, Attica 10200

    Open Monday to Friday 7:30am to 8:30pm, Saturday 7:30am to 2:30pm


  • Elta Hellenic Post

    Post Office Of Souda

    Kon Poleos 17 Attica

    Athens, Attica 10110

    Open Monday to Friday 7:30am to 2:30pm


  • Sofia, Bulgaria

    1001 Omv Rojen

    Rojen Blvd No 22

    1001 Omv Rojen

    Sofia, Sofia

    Open seven days 7:30am to 7:30pm


  • 1002 Omv Sofia Ring Road

    Ring Road

    1002 Omv Sofia Ring Road

    Sofia, Sofia

    Open seven days 7:30am to 7:30pm



  • Athens, Greece

    Thireos Exchange

    Omonia Square, Omonia 12

    Athens, 104 31

    Open Monday to Saturday 8:30am to 8:30pm, Sunday 1pm to 8pm


  • Piraeus Bank

    George 4 Plateia Kanigos

    Athens, 106 77

    Open Monday to Friday 8am to 2pm


  • Sofia, Bulgaria

    Unicredit Bulbank, Sofia

    100 Cherni Vrah Blvd

    Sofia, 1000

    Open Monday to Friday 8:30am to 5pm, Saturday 8am to 7pm


  • Piraeus Bank Bulgaria

    Lulin Vi Bl 601 Entr 3

    Sofiya, 1000

    Open Monday to Friday 8:45am to 4:30pm


Tips for picking up cash in the Balkans

No matter where you are in the region, it’s always important to be cautious and safe when picking up cash from an agent location. Take a friend with you for security, and don’t go waving big wads of cash around. Avoid dodgy parts of town, especially at night, and deposit the funds with your bank as quickly as you can.

How to send money to the Balkans

There are lots of options to choose from when sending money to the Balkans, especially if you’re transferring to a country that accepts euros. You’ll need to provide your contact details, address, date of birth and driver’s licence number to be allowed to send funds internationally. You’ll then be given a receipt or tracking number so you can monitor the progress of your money.

It’s easy and quick to transfer funds from New Zealand to the Balkans, though it’s best to compare your options before choosing which money transfer provider to use. This will ensure that you get the best possible deal available.

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