How to send money to Kyrgyzstan

Find the lowest fees and best exchange rates when sending money to Kyrgyzstan


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When you need to send money to Kyrgyzstan, you don’t want to be stuck paying exorbitant bank fees, or worse–not being able to send money at all. Because the som is considered an exotic currency, many forex providers don’t deal in them. This means you’ll have to spend more time comparing your options. Our guide below will help you explore the ways you can save money on your money transfers.

Compare international money transfers to Kyrgyzstan

Use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds to Kyrgyzstan with our money transfer partners.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA 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.
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Compare up to 4 providers

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 versus money transfer companies

Before you consider using your bank for an international money transfer, compare the rates and fees. Banks often offer poor exchange rates and charge high fees for overseas transfers, so even a small transfer can end up costing more than it should.

Consider online money transfer companies like Ria or MoneyGram. They usually offer fast and affordable transfers to countries worldwide.

How to compare transfer companies when transferring money to Kyrgyzstan

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. Search and make sure the rate you’re being offered reflects the going market rate offered by other services and banks.
  • 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 pickups. Also ask how your recipient can receive their funds: bank account, cash pickup, mobile wallet or any other program they might use.
  • Transfer speeds. If it needs to be there fast, companies like Western Union and MoneyGram allow for quick cash pickups, 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.

How to send money to Kyrgyzstan

Whether you send money through your bank, a money transfer provider or any other option, you’ll need to first register for an account with a provider, supplying your name, address, contact details, proof of ID and information about your selected payment method.

Keep a record of any transaction reference number you receive so that you can review the progress of your transfer.

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Foreign exchange rates explained

The exchange rate is how banks and companies calculate how much one currency is worth when compared to the currency of another. The New Zealand dollar (NZD) has traditionally been stronger than the Kyrgyz som (KGS). This means that your dollar will be worth multiple soms. When sending money to someone in Kyrgyzstan, track the fluctuations in exchange rate to be sure you’re getting the best deal available.

See today’s NZD to KGS exchange rate

What are the ways that I can send money to Kyrgyzstan

  • Bank transfers. Many major New Zealand banks will allow you to send money to Kyrgyzstan.
  • Money transfer providers. Providers like Ria and XE can help you quickly and easily transfer your money online.
  • Providers with cash pickup. Western Union and MoneyGram allow you to send funds for cash pickup at agent locations.
  • PayPal. Electronic payment giant PayPal allows you to send money from New Zealand to Kyrgyzstan.
  • Checks and money orders. Although not a quick option, you could send an international check overseas, obtained from your bank or postal service.

Are money transfers safe?

Yes. When you use a reputable provider, your funds are tracked until your recipient receives them. There are protections in place that require banks, credit unions and money transfer companies to disclose all fees upfront and give you 30 minutes to cancel a transfer before it is picked up by your recipient or deposited into their bank account.

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Emergency cash transfers in the Kyrgyz Republic

If you find yourself in an emergency situation where you need to send an urgent cash transfer to Kyrgyzstan— maybe your son or daughter is traveling through the country and has been mugged — there are several companies that offer this service. Be be aware that often the quickest method is the most expensive. Be sure to check the exchange rate and fee that apply to your transaction before handing over your cash.

Emergency situations come up all the time, and a friend or family member might need a quick transfer made to solve a potential problem before it grows. There are exchange services that offer same-day transfers. However, these companies will take advantage of your need for urgency by charging you higher fees and offering you a less optimal exchange rate. While you can perform an emergency transfer to Kyrgyzstan, this should be used as a last resort. If your recipient can wait a few days, you’ll save money and they will receive more soms.

Tips for picking up cash in the Kyrgyzstan

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 a large amount of money alone can be dangerous. Ask a friend to come along.
  • Deposit your money immediately. The likelihood of losing your money 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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Bottom line

You have multiple options to choose from when sending money to Kyrgyzstan from New Zealand. To get the best value for money for your international money transfer, compare the benefits and features of competing services before selecting a provider.

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