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Best way to send money to the Democratic Republic of the Congo

Compare 2+ companies to find ways to send money to the Democratic Republic of the Congo from New Zealand.

Looking for the best way to send money from New Zealand to family, friends or businesses in the Democratic Republic of the Congo (or even to your own overseas bank account)?

Don't head straight to your NZ bank – compare specialist money transfer services instead. They nearly always offer better CDF exchange rates and lower fees, so for the same amount of New Zealand Dollars you send, your recipient will receive more Congolese francs.

Of the companies we've compared, MoneyGram is among the cheapest, with competitive exchange rates and fees starting from $0. Need a really fast transfer? MoneyGram can get money to your recipient in the Democratic Republic of the Congo within minutes.

Best way to send money to the Democratic Republic of the Congo from New Zealand

The best way to send money to the Democratic Republic of the Congo depends on your payment method, how you want your money to be received and how fast you need it to arrive.
  • Bank transfer. Typically the cheapest option, bank transfers are an easy way to send money to the Democratic Republic of the Congo but are often slower than other methods.
  • Cash pickup. If you need your money to arrive fast, cash pickup gives your recipient instant access to the money you've sent when they collect it from their agent location in the Democratic Republic of the Congo.
  • Peer-to-peer (P2P) transfer. With this type of transfer, the transfer service matches people buying New Zealand Dollars in one country with people who are selling it in another, potentially securing a more competitive exchange rate.

Compare more ways to send money to the Democratic Republic of the Congo

Use our table to compare the best money transfer companies to send money to the Democratic Republic of the Congo. You can compare deposit and receiving options, fees and transfer speeds, then click the "Go to site" button when you've found the best one to get your money to the Democratic Republic of the Congo.
1 - 3 of 3
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
MoneyGram
Within minutes
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Western Union
Within minutes

View details
Western Union sends money online to friends and family in 200+ countries around the world.
Western Union Business Solutions
Western Union Business Solutions
3 days

View details
Get help sending business payments 24/7 to over 130 currencies with Western Union.
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Cheapest way to send money to the Democratic Republic of the Congo

Bank transfers are typically the cheapest way to get your money to the Democratic Republic of the Congo. MoneyGram and Western Union are some of the lowest bank transfer fees of the brands we've compared.

When you're hunting down the cheapest ways to send money to the Democratic Republic of the Congo, it's more important to look at the overall cost of your transfer. This has a couple of elements:
  • Transfer fees. While still cheaper than your NZ bank, some money transfer services charge either a fixed or percentage-based fee for making your transfer.
  • Exchange rates. Another way money transfer providers make money is to add a margin to the mid-market NZD/CDF exchange rate.

Some providers may charge the mid-market rate but add fees on top. Others may have very low fees but apply a markup on the exchange rate. This means it is important to compare exactly how many Congolese francs your recipient will end up with.

Fastest way to send money to the Democratic Republic of the Congo

Many online providers can offer transfers to the Democratic Republic of the Congo within minutes, although you're likely to pay a premium for the convenience.

Here are some of the fastest average transfer speeds to the Democratic Republic of the Congo:
  • MoneyGram — within minutes
  • Western Union — within minutes

Actual transfer times from New Zealand to the Democratic Republic of the Congo can depend on several different factors including transfer amount, payment method and payout method.

Safest way to send money to the Democratic Republic of the Congo

The safest way to get your money to the Democratic Republic of the Congo is to use a provider registered with New Zealand's industry regulator, the Reserve Bank of New Zealand (RBNZ). All of the companies we've compared in our table are overseen by a local regulator and comply with the relevant laws and regulations in both New Zealand and the Democratic Republic of the Congo.

A great way to dive deeper is by reading our extended reviews of each transfer service and researching first-hand customer feedback on Trustpilot and similar platforms.

Large money transfers to the Democratic Republic of the Congo

If you need to make a sizable money transfer to the Democratic Republic of the Congo, consider using a provider such as to benefit from its expertise in handling larger transfer amounts.

Using a large transfer specialist can have the following advantages:
  • Tax guidance. Large transfers to the Democratic Republic of the Congo may have tax implications for you or your recipient. A transfer specialist can help get you up to speed on IRD's latest advice.
  • Foreign exchange (forex) tools. Advanced tools such as forward contracts, limit orders and stop-loss orders can help you lock in the CDF exchange rate you want.
  • Account manager. Some money transfer providers assign a personal account manager who can help and advise you on your transfer needs.
  • Phone service. If you want to talk your transfer through with someone, providers such as MoneyGram and Western Union can give you support over the phone.

How to send money to the Democratic Republic of the Congo from New Zealand

To send money to the Democratic Republic of the Congo, you'll need the necessary documentation, your recipient's details and a way to pay.

  1. Compare your options.
    Use our table to find a money transfer provider that sends funds to the Democratic Republic of the Congo. One may be better for cash pickups while another may suit a bank transfer. Once you've found the best one for your requirements, click "Go to site".
  2. Create an account.
    You'll need to give your name, address, contact details, proof of ID and method of payment.
  3. Provide your recipient's details.
    Enter your recipient's name and contact information. If you're sending straight to their Congolese bank account, you'll need the account number, SWIFT or IBAN plus their bank branch's address.
  4. Enter your transfer amount.
    Check you're happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Double-check the total Congolese francs your recipient gets.
  5. Complete your transfer.
    Send your money transfer to the Democratic Republic of the Congo. Keep your transaction reference number safe so you can track your transfer. Your recipient may need it too.

How to choose the best money transfer companies to send money to the Democratic Republic of the Congo

When choosing a money transfer provider to send money from New Zealand to the Democratic Republic of the Congo, it's important to consider the cost, how you want your recipient to receive the funds and the turnaround time. Here are other features to review:

  • Exchange rates. Banks and transfer services use the mid-market rate to trade with one another. It is the best rate you can get. However, not all money transfer providers offer you this mid-market rate so compare the CDF you're offered to the mid-market rate and look for the smallest difference.
  • Transfer fees. Are you being charged a flat fee or a percentage of your transfer amount? For example, a provider offering to transfer your money to the Democratic Republic of the Congo for a flat or low fee might work out better if you plan to send a large amount.
  • Transfer type. Does your recipient have a Congolese bank account or is cash or cell phone top-up a better option? Each transfer type will have different fees. For example, instant cash pickups tend to be more expensive than bank transfers.
  • Transfer speed. If you need your transfer to arrive quickly, you can pay for an express delivery. Companies such as {{ cashPickUpProduct1 }} offer instant cash pickups but may charge more. If you're not in a rush, online money transfer services offer the best value and get your money to the Democratic Republic of the Congo faster and cheaper than banks.
  • Transfer purpose. Whether your transfer is for personal or business reasons influences which provider you want to use. If it is a one-off personal transfer, then fast and cheap may be the way to go. But if you make recurring transfers or send large amounts, a business transfer specialist like may be more economical.
  • Forex tools. Are you able to set rate targets, lock in a good CDF rate for the future or create a stop-loss order? Advanced forex tools can help make your transfer cheaper, which is useful if you make multiple transfers a year.
  • Transfer limits. Find out how much you can send with each service. For example, MoneyGram has a transfer limit of $13,750 while Western Union allows transfers up to $50,000.
  • Customer support. If you're sending larger amounts or looking for some guidance, it's important to choose a provider you can contact by phone, like MoneyGram.
  • Discounts. Some providers may offer you a free transfer simply for signing up. Others may offer a discount if you transfer more than a specific amount of Congolese francs.

Is it a good time to send money to the Democratic Republic of the Congo

What's more important, however, is where the strength of the New Zealand dollar against the Congolese franc goes from here – which is harder to call. But whichever way it goes, shopping around has the potential to get you more Congolese franc for your New Zealand dollar and can help you get the best out of any market conditions.

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