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Looking for the best way to send money from New Zealand to family, friends or businesses in the United States (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 USD exchange rates and lower fees, so for the same amount of New Zealand Dollars you send, your recipient will receive more US dollars.
Of the companies we've compared, TorFX is among the cheapest, with competitive exchange rates and fees starting from $0. Need a really fast transfer? Xe can get money to your recipient in the United States within minutes.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Bank transfers are typically the cheapest way to get your money to the United States. TorFX and Send 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 United States, it's more important to look at the overall cost of your transfer. This has a couple of elements:
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 US dollars your recipient will end up with.
Many online providers can offer transfers to the United States within minutes, although you're likely to pay a premium for the convenience.Here are some of the fastest average transfer speeds to the United States:
Actual transfer times from New Zealand to the United States can depend on several different factors including transfer amount, payment method and payout method.
The safest way to get your money to the United States 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 United States.
A great way to dive deeper is by reading our extended and researching first-hand customer feedback on Trustpilot and similar platforms.
If you need to make a sizable money transfer to the United States, consider using a provider such as TorFX or OFX to benefit from its expertise in handling larger transfer amounts.Using a large transfer specialist can have the following advantages:
To send money to the United States, you'll need the necessary documentation, your recipient's details and a way to pay.
When choosing a money transfer provider to send money from New Zealand to the United States, 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:
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