Alternatives to CurrencyFair

Want the best value for money? Explore some alternatives to CurrencyFair to see if there's a better deal for you.

Last updated:

CurrencyFair is known for low fees and competitive rates, but it isn’t available everywhere and has a limited range of currencies. If CurrencyFair doesn’t work for you or if you just want to see what else is out there, it’s worth comparing alternatives.

WorldRemit logo Image: Supplied


WorldRemit operates in a wide range of countries and currencies, and offers flexible options for receiving money, including sending money directly to a recipient’s phone as mobile airtime.

Why pick WorldRemit instead?

  • Varied delivery options including mobile money, cash pick-up, airtime top-up and cash delivery
  • A wide range of currencies, including all the most popular and plenty of exotic ones
  • Instant transfers available


  • Fees and rates can vary widely depending on the situation
  • A maximum transfer amount of $50,000 may rule out large transfers

InstaReM Logo Image: Supplied


InstaReM only offers zero-margin transfers for some currencies and during certain hours, the company doesn’t make it clear which currencies and hours this applies to. These rates can make it especially cost-effective in some situations.

Why pick InstaReM instead?

  • Offers the mid-market exchange rate for some currencies during certain trading hours.
  • Fees range from 0.1% to 1% of the total transfer
  • Loyalty rewards


  • Not available in New Zealand
  • $200 minimum transfer
  • Limited range of currencies available
  • Bank transfers only
  • Percentage-based fee can take a bite out of larger transfers

OFX logo Image: Supplied


OFX has a wide range of countries and currencies available, along with advanced features that let you lock in exchange rates or wait for exchange rates to swing in your favour.

Why pick OFX instead?

  • Wide range of countries and currencies
  • No fees for transfers above $10,000
  • Limit orders and forward contracts
  • No maximum transfer amount


  • $15 fee for transfers under $10,000
  • $250 minimum transfer size
  • Bank transfer only
  • Exchange rates may not always be the most competitive

WorldFirst logo Image: Supplied


WorldFirst has a wider range of currencies than CurrencyFair and can be especially convenient for quickly sending money to Europe, the UK and US.

Why pick WorldFirst instead?

  • More currencies
  • No transfer fees
  • Limit orders and forward contracts
  • Same-day transfers available for GBP, EUR and USD
  • Offers a price promise deal to match competitor rates if you find a better quote


  • $2,000 minimum transfer
  • Rates may not be the best without the price promise
  • Takes payment with bank transfer only

Remitly logo Image: Supplied


Remitly serves a wide range of countries, with an emphasis on south-east Asia. It offers quick transfers and cash pick-ups in areas where few other providers do.

Why pick Remitly instead?

  • Can pay through card or bank transfer
  • Pick-up options include bank transfers, cash pick-ups and mobile wallet deposits
  • May waive fees for slower transfers
  • Express transfers available at extra cost
  • Specialises in sending to the Philippines


  • Not available in New Zealand
  • Flat fees can vary widely
  • Express transfers typically cost more
  • Low maximum transfers without requesting raised limits

MoneyGram logo Image: Supplied


MoneyGram is known for covering an exceptionally wide range of countries and currencies, along with an extensive network of agent locations. MoneyGram lets you pay with cash, but the rates aren’t very competitive.

Why pick MoneyGram instead?

  • Wide variety of payment and pick-up options available
  • Can send to most countries
  • Same-day transfers available
  • Low $1 minimum transfer amount


  • Rates and fees can vary widely
  • Maximum transfers of $10,000

Still looking for other options?

The best money transfer service depends on the situation. Some are better for larger transfers, while others focus on smaller transfers or certain currencies.

To help find the one that’s right for you, try entering the details of your transfer into the table below.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
NZD 250 1 day NZD 0.00 0.627 USD
SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.
Go to site Show details
NZD 0 1 day NZD 0.00 0.626 USD
Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
NZD 2,000 2 days NZD 0.00 0.627 USD
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.
Go to site Show details
NZD 2,000 1 day NZD 0.00 0.627 USD
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply. Go to site Show details
NZD 1 Within an hour NZD 3.99 0.626 USD
An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
AUD 250 1 - 2 days NZD 15.00 0.627 USD
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 1 1 - 2 days NZD 80.00 0.629 USD
Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
NZD 5 1 - 2 days EUR 3.00 0.624 USD
Special offer: Zero fees on your first 10 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
NZD 10,000 1 - 2 days NZD 0.00 0.624 USD
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.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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 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 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