If you need to send money to Fiji, you only have a handful of providers to choose from. The Fijian dollar is considered an exotic currency, so most forex services don’t deal with it. Western Union and MoneyGram both have a presence in Fiji and can send a cash payment quickly, but these speedy transfers can be expensive. Other companies like World Remit could save you money with lower fees and stronger exchange rates.
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How to compare transfer companies when transferring money to Fiji
By comparing a few elements of your transfer, you can ensure that you get the cheapest deal for your needs.
Exchange rates. Nearly all providers skew exchange rates for a profit. Compare the rate you’re offered to the mid-market rate — the rate banks and transfer services use when they trade among themselves — and look for the smallest margin between them.
Transfer fees. Find out whether the provider charges a flat fee or a percentage of your transfer. If you’re sending a large amount, ask whether you qualify for a fee-free transfer.
Payment and delivery options. Some transfer companies allow you to pay with a credit card online, by phone or through an app. Others offer agent locations for cash payments and pick-ups. Also ask how your recipient can receive your funds: bank account, cash pick-up, mobile wallet and more.
Transfer speeds. If it needs to be there fast, companies like Western Union and MoneyGram allow for quick cash pick-ups, often in minutes. If you have more time, you’ll get better rates and fees with an independent provider.
Transfer limits. Your best option might depend on how much you want to send. For large transfers, weigh the best exchange rate — especially since providers encourage large transfers by offering low fees. For smaller amounts, consider the fees you’ll pay on top of the exchange rate.
Flexible transfer options. Ask whether you can schedule payments ahead of time or protect your transfer against market fluctuations with a limit order or forward contract.
Customer support. Most companies offer customer service by Internet chat, phone, in person or by email. Make sure help will be available if you need it.
Noah sends money to Fiji
Noah is a talented rugby player who is playing for a team in New Zealand. While he works part-time, Noah does his best to save up as much money as he can to send to his parents in Suva, Fiji. Many banks don’t deal with exotic currencies, so Noah compares two money transfer companies to get the best deal to send $1,000 to Fiji.
Money transfer company 1
Money transfer company 2
1 NZD = 1.44 FJD
1 NZD = 1.46 FJD
Mobile money transfer
Amount received (in FJD)
1,426 FJD 2,126
As you can see, while the first company charges $8 less in fees, the exchange rate offered by the second provider allows Noah’s family to receive an extra FJD 12.
Bank transfers. Many New Zealand banks can safely send your funds to countries around the world. Banks rely on existing links between banks and banking systems worldwide. However, a downside is the frustratingly high fees and weaker exchange rates you’ll receive by going through your bank.
Online money transfer services. These specialists offer more affordable transfers than banks do, allowing you to quickly and easily manage your transactions from home. With competitive exchange rates and lower fees, you can send funds from your bank account. Many also allow you to pay with a credit or debit card.
Providers with cash pick-up. Trusted providers like Western Union and MoneyGram offer the key advantage of giving your recipient fast access to the cash you send — sometimes within minutes. You can often pay online or at one of thousands of agent locations worldwide. However, services typically cost more than an online transfer specialist and vary by where you’re transferring your money and how you’re paying for it.
PayPal transfers. Not just for online purchases, PayPal offers transfers to more than 100 countries and supports multiple currencies. Its exchange rates are often better than those you’ll get from a bank but not quite as strong as rates from money transfer companies. PayPal calculates its transfer fee as a percentage of the amount you’re sending — meaning it’s often better for sending smaller amounts of money.
International money order. You can get this type of money order from your bank and send it overseas to your recipient, who then cashes it in with their own bank. While more secure than a personal cheque, it’s a slower option than using an electronic transfer. It also costs a little more — you’ll have to purchase the cheque and your recipient may be charged a fee by their own bank to have it cashed.
The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it yields more money when exchanging it in a country with a weak currency. As of December 2018, one New Zealand dollar was worth 1.45 Fijian dollars. Most countries’ exchange rates are flexible, which means they can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation. Today’s exchange rate NZD to FJD
Steps to send money to Fiji
Register for an account with a provider, supplying your name, address, contact details, proof of ID and information about your selected payment method.
Supply your recipient’s name, contact information and bank account details as required.
Enter the amount of your transfer and complete the transaction.
Keep track of any receipt you receive so you can monitor the progress of your transfer.
Money transfer providers. Providers like World First can help you quickly and easily transfer your money online.
Providers with cash pick-up. Western Union and MoneyGram allow you to send funds for cash pick-up at agent locations.
PayPal. Electronic payment giant PayPal allows you to send money from New Zealand to Fiji.
Cheques and money orders. Although not a quick option, you could send an international cheque overseas, obtained from your bank.
How safe is a money transfer?
When you use a reputable provider, your funds are safely tracked until in the hands of your recipient. Banks, credit unions and money transfer companies are required to, for example, disclose all fees upfront and give you 30 minutes to cancel a transfer, assuming it hasn’t yet been picked up or deposited.
When you’re picking up funds in Fiji, or anywhere else around the world, take a few simple safety precautions to prevent yourself becoming a target for thieves.
Call ahead. Learn the company’s business hours and choose a safe time to pick up your cash. Daylight hours are best.
Bring a friend. Carrying money when alone can be dangerous. Ask a friend to come along.
Deposit your money immediately. The likelihood of losing your money to theft or simple carelessness grows the longer you have it with you. Go straight to a bank and deposit your cash as soon as possible.
Keep your cash hidden. Place your money in your purse or wallet before leaving the office. Carrying cash out in the open could make you a target.
Same-day transfers to Fiji
You might need to send an emergency cash transfer to Fiji – for example, if a friend travelling through the country loses their wallet. When you need to transfer funds urgently, your fastest possible transfer will often be your most expensive option. Carefully review the exchange rate and transfer fee against your needs so that you understand exactly how much it will cost you.
Overseas money transfers are easy, no matter which method you choose. But knowing how to compare your options gives you a leg up in terms of cost, rates and transfer speeds. An informed choice is your better choice.
Adrienne Fuller is the head of publishing at Finder US. With a decade of experience creating guides in finance and education, she aims to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. For the past 3 years she has been the publisher of money transfers, helping readers save when they send money all over the globe. She has a BA from Colorado College and loves to hike with her two Catahoula dogs around her home in San Diego.
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