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 10 Money Transfer Services - New Zealand
All listed services are safe & regulated 
Get bank beating rates on your transfer
Fast mobile transfers
Available on:
Specialises in large transfers
1
Optimised for high-value overseas transfers
Dedicated account manager for large transfers
Dedicated account manager for large transfers
2
Multi-currency support for transfers worldwide
Transparent pricing with no hidden costs
Transparent pricing with no hidden costs
Ideal for AUD-THB transfers
3
Fast, low-cost global money transfers
Instant cash pickup and mobile top-ups
Instant cash pickup and mobile top-ups
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.
|
Service
|
Features
|
Score
|
Transfer Money Now
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|---|---|---|---|---|---|---|---|
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Specialises in large transfers
1
|
Optimised for large overseas transfers
Advanced risk-management tools
Transfers completed within minutes
Ideal for regular business payments |
NZD
 AUD
Low
NZD
USD
Low
NZD
GBP
Low
|
ASIC, AUSTRAC
|
||||
|
Time to Open Account
Up to 3 minutes
Sending Options
Bank transfer
Receiving Options
Bank transfer
Required Documents
ID, proof of address
Recurring
transfers
Phone
support
24/7
processing
|
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|
2
|
No transfer fees & best-rate guarantee
Multi-currency support for global transfers
Flexibility to send when rates are optimal |
NZD
GBP
Low
NZD
EUR
Low
NZD
AUD
Low
|
FCA, ASIC, MAS
|
||||
|
Time to Open Account
Up to 3 minutes
Sending Options
Debit card
Bank transfer Receiving Options
Bank account
Required Documents
Photo ID
Proof of address Local branch,
based at Gold Coast
Phone
Support
24/7 Online
transfers
|
|||||||
|
Ideal for AUD-THB transfers
3
|
Send money to over 130 countries
Instant cash pickup and mobile top-ups |
NZD
 THB
Low
NZD
PHP
Low
|
FCA
|
||||
|
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
|
|||||||
|
4
|
Global support team available 24/7
No maximum limits on transfers |
NZD
AUD
Med
|
FCA, ASIC
|
||||
|
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
|
|||||||
|
5
|
Offers travel card on Google wallet
Holds more than 50 currencies |
NZD
USD
Med
|
FCA
|
||||
|
Time to Open Account
A few minutes
Sending Options
Bank account
Credit/Debit Card PISP Swift Google/Apple Pay Receiving Options
Bank account
Required Documents
ID Documentation, Proof of Address
Travel Money
Mobile/App
Transfers
Multi-Currency
Card
 3,045+ Reviews | Excellent
|
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|
6
|
Fast & easy service
Charges £10 for all transfers under £3k |
NZD
USD
High
|
FCA
|
||||
|
Time to Open Account
A couple of minutes
Sending Options
Mobile App
Debit Card (Visa/Mastercard) Bank Account Receiving Options
Bank Account
Required Documents
ID, Proof of Address
2,540 Reviews | Excellent
|
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Customer Experiences
"My Send account was quick and easy to set up. The transaction process was very fast and my supplier had the funds in his bank account faster that I could expect using a bricks and mortar bank."
- R.M., verified Trustpilot review
Pros
- No fees on transfers over A$5K
- Highly competitive exchange rates
- Highly responsive account manager
- Ideal for relocating funds to or from Australia, or for large purchases
- Fully licensed and regulated by Australian authorities (ASIC)
Cons
- Registration is required before exchange rates can be viewed
- Transfer methods are limited to bank-to-bank only
- The following currencies are not supported: PHP, INR, MYR, KES, IDR, UGX, and BGN
"TorFX is my go-to any time I want to send money to family abroad. The process is easy, the rates are great, and the personalised service provided by your named account manager gives peace of mind."
- Julie Ferguson, verified Trustpilot review
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)
"Great service, lowest charge. Great foreign exchange, easy transaction and super fast and reliable, 100% trusted!!!" - Rea, verified Trustpilot review
Pros
- Low costs incurred in transferring funds
- Friend referral bonuses available to clients
- Fully licensed and regulated by the FCA of the UK
- Flexible payment options: credit/debit cards, bank transfer and others
- Customer service available 24/7 in 6 different languages
Cons
- Not all countries are covered by WorldRemit services
- Transfer limit: max of $9,000 in 24 hours and $5,000 per transaction
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.