How to send money to Ireland

How to send a fast, secure and affordable money transfer to Ireland from New Zealand.

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If you want to send money to family, friends or business associates in Ireland it doesn’t need to be a troublesome and costly process. You don’t need the luck of the Irish to get dollars to Dublin. Just compare the transfer fees and exchange rates of the options available to you to get the most euros for your dollar every time.

XE Money Transfers

XE International Money Transfers

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    Compare international money transfers to Ireland

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    NZD 250 1 day N/A N/A N/A SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
    Fee-free transfers in 30+ currencies to over 200 countries.
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    NZD 0 1 day N/A N/A N/A Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
    NZD 1 Within an hour N/A N/A N/A 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
    NZD 2,000 2 days N/A N/A N/A 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.
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    NZD 1 1 - 2 days N/A N/A N/A Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
    NZD 250 1 day N/A N/A N/A TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply. Go to site Show details
    AUD 250 1 - 2 days N/A N/A N/A 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 10,000 1 - 2 days N/A N/A N/A Go to site Show details
    NZD 5 1 - 2 days N/A N/A N/A Special offer: Zero fees on your first 10 transfers.
    Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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    Compare up to 4 providers

    Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
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    How do international money transfers work?

    An international money transfer allows you to send money to a recipient overseas. Generally, a transfer involves you providing funds to a bank or an independent transfer provider, which then sends the money to your recipient in another country – in this case, Ireland. This can be done in person, over the phone, through a mobile app or online. You can use cash, a credit or debit card, or transfer funds from your bank account, which will then either be deposited into your recipient’s bank account or mobile wallet, or made available as cash for them to pick up at a location in their country.

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    Banks versus money transfer companies

    While banks can handle international transfers to destinations all around the world, they usually charge a hefty fee for doing so.

    However, if you use a specialist money transfer company to send your money overseas, you can usually find a better deal. These companies focus on moving money internationally and provide superior exchange rates and lower fees compared to major banks. The exact cost and transfer methods available differ between providers, so you should compare a few different providers before placing a transfer request.

    Example: Walt sends money to Ireland

    Walt has spent three months travelling around New Zealand while his girlfriend stays home in Ireland. When Walt’s girlfriend needs some financial assistance to help her cover the rent, Walt agrees to send her $1,000. He compares two money transfer companies in an effort to find the cheapest way to send his funds overseas.

    Money transfer company 1Money transfer company 2
    Exchange rate$1 NZD = $0.57 EUR$1 NZD = $0.59 EUR
    Transfer fee$58$5
    Transfer methodCash pick-upBank account deposit
    Processing time10 minutes3 business days
    Amount received (in EUR)570 EUR590 EUR

    As you can see, not only can Walt save more than $50 in fees if he uses the second transfer company, but he can also ensure that his girlfriend receives an extra 20 euros.

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    How to compare transfer companies when transferring money to Ireland

    • Exchange rates. What exchange rates does the company offer and how do they compare with its competitors?
    • Fees. How much will you have to pay each time you send a global transfer?
    • Transfer methods. Can you place a transfer over the phone, online, by visiting a branch and/or via a mobile app?
    • Transfer options. Can you lock in an ideal exchange rate now and transfer the money later, known as a forward contract? Does the institution offer limit orders, which allows you to take advantage of changing market conditions by executing the money transfer when a certain exchange rate is met? Can you schedule recurring payments??
    • Turnaround time. How long will it take for the funds you send to reach your beneficiary’s pocket or bank account?
    • Minimum amount. Is there a minimum transfer limit and is it low enough to suit your transfer requirements?
    • Pick-up methods. Can cash be picked up from an agent location or will it simply be transferred to your recipient’s bank account?
    • Customer service. Are phone, email and online support offered? During what hours?
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    Foreign exchange rates explained

    The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it will yield more money when exchanging it in a country with a weak currency. Ireland uses the euro, a currency whose exchange rate is flexible. This means it can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.
    Currency exchange rate for Ireland

    Options for sending money to Ireland from New Zealand

    • Bank transfers. Transfers between banks are secure but can be costly.
    • Online money transfer providers. These companies, like OFX, offer secure and affordable transfers.
    • Money transfer companies with cash pick-up options. MoneyGram and Western Union all offer this option.
    • PayPal. PayPal can send international money transfers around the globe.
    • Cheques. International cheques can be obtained from your bank.
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    Steps to send money to Ireland

    1. Register for an account with a provider, supplying your name, address, contact details, proof of ID and information about your selected payment method.
    2. Provide your recipient’s information and contact details.
    3. Select the amount of your transfer and complete your transaction.
    4. Preserve your receipt or other proof of transaction in order to monitor the progress of your transfer.
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    Same-day cash transfers to Ireland

    If you need to get money to Ireland as quickly as possible, be aware that the fastest transfer method will usually cost you more. With this in mind, make sure you’re fully aware of the total cost of your transaction before you commit to it.

    Tips for picking up cash in Ireland

    The Ministry of Foreign Affairs and Trade’s Safe Travel website lists Ireland as a safe travel destination for New Zealand tourists, but you should still take care whenever you pick up cash from a transfer agent. This means staying aware of your personal safety at all times and taking a few steps 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.

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