Top Money Transfer Services - New Zealand

All listed services are safe & regulated
Get bank beating rates on your transfer
Fast mobile transfers
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Advertiser Disclosure

Top10moneytransfer.com is an independent professional comparison site that provides users with free and valuable information on leading money transfer services. Top10moneytransfer.com is supported by referral fees from listed companies. We do not provide a listing of each and every company in the market. We do not guarantee 100% accuracy of the information. The information which appears on this site is subject to change at any time. We aim to help users make an informed choice that best suits their particular needs.
Our top choice
1
Transfer Fees: Low
Score
9.8
Dedicated team for sending $50k+/year
No transfer limits & Zero Fees
2
Transfer Fees: Low
Score
9.5
Great rates for AUD<>NZD/EUR/USD
Personal account manager for large transfers
3
Transfer Fees: Low
Score
9.2
Excellent exchange rates, no transfer fees
Transfer online 24/7, by phone or app
4
Transfer Fees: Low
Score
8.8
Good for SMBs / Mass payment solutions
5
Transfer Fees: Med
Score
8.4
Good fit for online sellers

Advertiser Disclosure

Top10moneytransfer.com is an independent professional comparison site that provides users with free and valuable information on leading money transfer services. Top10moneytransfer.com is supported by referral fees from listed companies. We do not provide a listing of each and every company in the market. We do not guarantee 100% accuracy of the information. The information which appears on this site is subject to change at any time. We aim to help users make an informed choice that best suits their particular needs.
Service
Features
Charges
Score
Regulation
Transfer Money Now
Our top choice
1
No transfer limits & Zero Fees
Dedicated team for sending $50k+/year
Custom alerts for mid-market rate
Passport or driver's license required
NZD
AUD
Low
NZD
USD
Low
NZD
GBP
Low
NZFMA, FinCEN, FCA
Time to Open Account
Up to 2 min
Sending Options
Bank Account
Debit or Credit Card
Wire Transfer
Receiving Options
Bank Account (up to 4 days)
Mobile Wallet (deposited in minutes)
Cash Pickup
Required Documents
A passport or driver's license required
Live
Rates
Advanced
FX services
Enterprise-grade
Security
64,593 Reviews | Excellent
2
Great rates for AUD<>NZD/EUR/USD
Advanced risk mitigation tools
Transfer speed: within minutes
NZD
AUD
Low
NZD
USD
Low
NZD
GBP
Low
ASIC, AUSTRAC
Time to Open Account
Up to 3 min
Sending Options
Bank transfer
Receiving Options
Bank transfer
Required Documents
ID, Proof of Address
Recurring
Transfers
Phone
Support
24/7
Processing
270 Reviews | Excellent
3
High touch service at every stage
Transfer online 24/7, by phone or app
NZD
GBP
Low
NZD
EUR
Low
FCA, ASIC, MAS
Time to Open Account
Up to 3 min
Sending Options
Debit Card
Bank Account
Receiving Options
Bank Account
Required Documents
ID, Proof of Address
Local branch,
based at Gold Coast
Phone
Support
24/7 Online
transfers
3,306 Reviews | Excellent
4
Pay & get paid with a global account
Transfer Money in 55+ Currencies
NZD
AUD
Med
FCA, ASIC
Time to Open Account
Up to 3 min
Sending options
Wire Transfer
Debit Card
Receiving Options
Bank Account
Required Documents
ID Card, Proof of Address
Local Account
Solutions
Mobile
Transfers
Locked-in
Exchange Rates
4,801 Reviews | Excellent
5
Good fit for online sellers
7 local currency accounts
NZD
AUD
High
FCA, ASIC
Time to Open Account
A few minutes
Sending Options
Wire transfer
Debit/credit card
Receiving Options
Bank Account
Required Documents
ID, Proof of address (eKYC)
Business
Expertise
Phone
Support
Local Account
Solutions
1,872 Reviews | Very Good

Latest Reviews

"After many hours of researching my best options for funding my daughter's overseas tuition, I went with XE.com and I am very satisfied with the cost being minimal and the process expedient."

Pros

  • Instant and professional customer support 24/7
  • No maximum transfer limit when paying via phone
  • More than 50,000 5-star ‘Excellent’ Ratings on Trustpilot
  • $0 fees per transaction with highly competitive “mid-market” exchange rates
  • FX risk management across 139 currencies and over 200 countries

Cons

  • Maximum online transfer amount of GBP 350,000 (or currency equivalent)
  • Cheques and cash payments are not accepted

"Couldn't believe how fast the transfer was to New Zealand, my money was transferred and there within an hour. Plus the service made everything so easy. Much better rates as well"

Pros

  • No Fees on transfers above 5k
  • Highly competitive exchange rates
  • Highly responsive accounting manager
  • Ideal for Relocating your funds to/from AU & when making big purchases
  • Fully licensed and regulated by Australian authorities (ASIC)

Cons

  • Registration is required before any exchange rates can be seen
  • Send-and-receive transfer methods are limited to bank-to-bank transfers
  • Does not support the following currencies: PHP, INR, MYR, KES, IDR, UGX and BGN

"Excellent professional and speedy service. I recommend it highly and would use again."

Pros

  • Multiple award-winning money transfer services (2016-2022)
  • Excellent exchange rates with no transfer fees
  • Transfer 24/7 online, by phone or through the app
  • No transfer limit over the phone
  • Specializes in larger trades (£2000+)

Cons

  • Transfer limit of £25,000 online or on the app
  • Less competitive on lower value trades (below £2000)

How to Compare Money Transfer Services

Top10MoneyTransfer recommends checking the following features when comparing online money transfer companies so you can find the best provider for your international transfer.

Safety

Check your chosen money transfer provider is regulated by a government authority, to ensure your money is safe & protected when transferred. The main regulators include:

– FCA (Financial Conduct Authority), UK

– ASIC (Australian Securities and Investments Commission)

– FinCEN (Financial Crimes Enforcement Network), USA

Fees & Rates

Some money transfer services charge a fixed transaction fee, others take a percentage of the transfer sum, while some services waive the transfer fee completely. The conversion rate is another money-maker for many services and as such poses yet another crucial pricing component to examine carefully. Consider the above to find the most cost-effective solution for your transfer.

Customer Support

Check the customer support channels available are convenient for you. These generally include email, online chat, phone or online ticketing system. In addition, some money transfer services provide a personal account manager to assist with special transactions and important tasks. Try checking this beforehand, to avoid stress when you need help.

Sending & Receiving Options

It’s important to confirm the sending options offered by your preferred money transfer provider are convenient for you. You should also ensure that your recipient is able to easily collect the money sent. Common sending options include bank transfer or credit card. Common receiving options include bank transfer and cash pickup.

Transfer Amounts

Another important element to consider is the amount of money you wish to transfer. Some services offer better features and benefits for large transfer amounts or business transfers, while others better handle small transfer amounts or cash transfers. Use our comparison table to determine which provider best suits your money transfer needs.

Transfers from New Zealand

Safety

NZFMA, the main regulatory financial authority in New Zealand, is responsible for monitoring activities of New Zealand based financial services. It is highly recommended to use the services of a company registered and licensed by the NZFMA when making a money transfer from New Zealand.

Ease of Onboarding

Most top-rated New Zealand based money transfer services offer a completely digital account opening and user-authorization process. Any required proof of ID documents can be supplied digitally, eliminating waiting times. With this option, new customers are able to complete the onboarding process online, in just a few minutes.

Fees and Rates

New Zealand is at the center of the modern FinTech industry, hence you can find a lot of different money transfer services to choose from. This gives users the option to use a service that charges minimal or no transaction fees combined with fair mid-market exchange rates. You can save on average up to 8 times on rates & fees by using top services like XE instead of a high-street bank such as BNZ.

Top 3 Currency Corridors (New Zealand)

The providers listed in our comparison offer transfers to a wide range of corridors, allowing you to send money to a large list of countries around the world. The most popular corridors from New Zealand are:

-NZD/AUD

-NZD/USD

-NZD/GBP