Send money to Puerto Rico

Compare fees and exchange rates to get the best deal on your next money transfer to Puerto Rico.

Last updated:

Sending money to Puerto Rico doesn’t need to be complicated or expensive. If you need to transfer funds to friends and family on the Island of Enchantment from New Zealand, you’ll want to compare your options to find the fastest services with the lowest fees available.

Read on to find out the best way for you to transfer money to Puerto Rico.

Find the cheapest, fastest money transfer to Puerto Rico

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

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
NZD 1 Within an hour NZD 3.99 0.632 USD
3,159
An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details

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.

Banks vs. money transfers

While you could choose the convenience of walking into your local New Zealand bank for a money transfer to Puerto Rico, you’ll may pay a steep transfer fee to do so.

With an independent money transfer specialist, you will typically pay a lower fee with better options for payment and delivery to your recipients.

How to compare transfer providers

  • Fees. Fees can vary wildly by provider, but your local banks will typically charge more than you’ll pay with an independent money transfer specialist.
  • Transfer options and speeds. Do you need to schedule your transfer online, by phone or in person? Confirm each provider’s method of payment, and ask how long it will take for delivery.
  • Minimum amounts. If a provider imposes a minimum limit on transactions, make sure this limit isn’t too high for your needs.
  • Pickup methods. Some providers allow for bank deposits only, while others may also offer the ability for your recipient to pick up your funds in cash.
  • Customer service. Confirm whether customer support is available 24/7 by phone, email or live chat, if you encounter a problem.

Ways to send money to Puerto Rico from New Zealand

  • Bank transfers. Most New Zealand banks and online providers like TransferWise and Xoom will allow you to send money to bank accounts in Puerto Rico.
  • Transfer companies with cash pickup. Funds can be picked up at Western Union, Ria and MoneyGram locations throughout the island.
  • PayPal. With low fees and fast transfer times, PayPal can be a sound option for sending smaller amounts to Puerto Rico.
  • Checks and money orders. While a slower option, these old-school payment methods are safe and effective.

In an emergency situation, sending money to Puerto Rico can be expensive. Bank transfers are not ideal for emergency situations, because of their longer processing times.

However, most independent providers allow you to send expedited payments with additional processing fees. Using a credit card can also save time, but expect higher fees with some providers for this method of payment.

Tips for picking up cash in Puerto Rico

When picking up cash in Puerto Rico, take a friend along who speaks Spanish, if you don’t know the language. Only about 20 percent of those living on the island speak English, and you can make expensive errors simply by not knowing the language. Never flash your cash when traveling, and avoid dark secluded areas.

How to send money to Puerto Rico

Regardless of how you choose to send money to Puerto Rico, you’ll typically need to set up an account.

Most banks and money transfer providers will require your name, contact information and government-issued ID. Next, you’ll provide your recipient’s name and contact information, how much you’re sending and how your recipient will receive it. If you’re sending a bank transfer, you’ll also need to provide your recipient’s bank name, routing number and account number.

Once you’ve completed your transfer, the provider will confirm your transaction with a reference number. Use this reference number to track the progress of your transfer to receipt.

Bottom line

With so many options available, sending money to Puerto Rico should be a simple and painless process. By comparing your options, you can prevent unpleasant surprises like high fees and penalties for cash pickup. However, your cheapest option may be the services of an independent money transfer specialist. With these companies, you could pay less — or for larger transfers, no fee at all.

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site