Top10MoneyTransfer is a free online resource created to help users find the information they need to make confident decisions. We invest significant time and effort into researching and presenting content in a clear and accessible way.
That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback.
We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here.
Top Money Transfer Services - New Zealand
All listed services are safe & regulated 
Get bank beating rates on your transfer
Fast mobile transfers
Available on:
Our Most Popular
1
Supports multiple currencies for overseas transfers
Transparent pricing with no hidden fees
Transparent pricing with no hidden fees
2
Competitive and transparent rates
Most transfers arrive the same day
Most transfers arrive the same day
3
P2P exchanges for 20+ currencies
Multilingual support by phone / email
Multilingual support by phone / email
Advertiser Disclosure
Top10MoneyTransfer is a free online resource created to help users find the information they need to make confident decisions. We invest significant time and effort into researching and presenting content in a clear and accessible way.
That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback.
We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here.
That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback.
We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here.
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Service
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Features
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Score
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Transfer Money Now
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Our Most Popular
1
|
No transfer fees with a best-rate guarantee
Supports multiple currencies for overseas transfers
Flexible transfers when rates are favourable
Limit orders, transfer when your rate is met |
NZD
 GBP
Low
NZD
EUR
Low
NZD
AUD
Low
|
FCA, ASIC, MAS
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Time to Open Account
Up to 3 minutes
Sending Options
Debit card
Bank account Receiving Options
Bank account
Required Documents
ID, proof of address
Local support team
based in Auckland
Phone
support
24/7 online
transfers
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2
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Competitive and transparent rates
Most transfers arrive the same day
Trusted by millions for 30+ years |
AUD
NZD
Low
AUD
GBP
Low
AUD
USD
Low
|
ASIC, FCA, FinCEN
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Time to Open Account
Within minutes
Sending Options
Bank account
Debit or credit card Receiving Options
Bank account
Mobile wallet Cash pickup Required Documents
Email address
Personal details ID verification (if required) Transfer
tracking
Competitive
exchange rates
Chat, phone, &
email support
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3
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Five free transfers for new customers
Get support by phone or email |
NZD
AUD
Med
NZD
GBP
Med
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ASIC, CBI
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||||
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Time to Open Account
A few minutes
Sending Options
Bank transfer
Mobile app Debit card Receiving Options
Bank account only
Required Documents
ID: Passport/driver’s licence
Proof of address (eKYC) Xero integration
(business)
Phone
support
Payment
tracking
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4
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Global support team available 24/7
No maximum limits on transfers |
NZD
 AUD
Med
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FCA, ASIC
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||||
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Time to Open Account
Up to 5 min
Sending options
Bank Account
Wire Transfer Debit Card Receiving Options
Bank Account
Required Documents
ID Card, Proof of Address
Additional requirements for Businesses Bank-beating
rates
Secure
platform
No hidden
fees
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5
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Minimum transfer: none
Instant cash collection & airtime top-ups |
NZD
INR
Med
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FCA
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||||
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Time to Open Account
A few minutes
Sending Options
Bank account
Mobile app Receiving Options
Cash pickup
Bank transfer Mobile money Airtime top up Door-to-door Required Documents
ID documentation
Proof of address Mobile/app
transfers
Social media
support
SMS/email
notification
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Customer Experiences
"We have been using Torfx for over 20 years. Never a hiccup in all that time and somebody is always at the end of the phone if we have any queries."
– Alan Milverton, verified Trustpilot review
Pros
- Award-winning money transfer service (2016–2025)
- Excellent exchange rates and no transfer fees
- Transfer 24/7 via app, online or phone
- No transfer limit when using phone service
- Best suited for larger transfers (A$2,000+)
Cons
- Transfer limit of A$25,000 per transaction online/app
- Less competitive for smaller transfers (below A$2,000)
"XE is reliable trusted and smooth for sending money overseas . When sending larger transactions, it is the best and safest." - Karl, verified Trustpilot review
Pros
- Competitive exchange rates with upfront fees
- Most transfers are completed the same day
- Some transfers may be completed within minutes
- Send across 130 currencies in 190+ countries
- Transfer tracking with live status updates
- Dedicated account managers for larger transfers
Cons
- Some transfers may take longer to complete
- Exchange rates vary by currency pair
- Not all payment methods available in every country
"Now my recurring transaction is up and running and my funds are paid in by standing order all I have to do now is nothing which is perfect. I also find it very easy to add recipients who I pay randomly and without problems."
– Philip Wood, verified Trustpilot review
Pros
- Regulation: CBI, ASIC, MAS and C&E HK regulated
- Reliable customer service with native speakers in EN, DE & FR
- Average commission of just 0.35%
- Refer friends to CurrencyFair and you could earn €50 each
- Currency exchange: no minimum or maximum amount
Cons
- Sign-up is restricted in certain countries
- Transfers can only be funded by bank transfers (no credit cards)
How to Compare Money Transfer Services
Top10MoneyTransfer recommends checking the following features when comparing online money transfer companies to help you 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 and 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 fee entirely. The conversion rate is another money-maker for many services and is therefore 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 and whether they are convenient for you. These generally include email, online chat, phone or an 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 collect the funds easily. Common sending options include bank transfer or debit card. Common receiving options include bank transfer and cash pick-up.
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 are better suited to small transfer amounts or cash transfers. Use our comparison table to determine which provider best meets 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 with 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-authorisation 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 centre of the modern FinTech industry, so 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 eight times on rates and fees by using top services like XE instead of a high-street bank such as BNZ.
