MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • Independent Reserve Review
        • eToro Review
        • Coinbase Review
        • Kiwi-Coin Bitcoin Exchange Review
        • Vault International Bitcoin Fund Review
      • Guides
        • How to Buy Bitcoin in New Zealand
        • Beginner's Guide to Bitcoin and Blockchain
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • Initial Coin Offerings
        • A Beginner’s Guide to Investing in Cryptocurrencies
        • Decentralised Finance
        • Bitcoin in New Zealand
        • New Zealand Bitcoin Exchanges
        • How to Buy Ethereum in New Zealand
        • Other Coins
          • How to Buy Ripple in New Zealand
          • How to Buy Cardano in New Zealand
          • How to Buy Dogecoin in New Zealand
          • How to Buy Litecoin in New Zealand
          • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance
      • Guides
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise International Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Compare International Money Transfer - The Best Apps and Services

Our review outlines the best company to send money overseas from New Zealand - we compare World Remit, Wise, Western Union, Orbit Remit and more
Best company to send money overseas from NZ
Updated 9 August 2023
Summary of International Money Transfers
  • Banks dominated the way money was sent overseas until the arrival of game-changing money transfer services like Wise and CurrencyFair. 
  • Today, you can transfer NZD to 75+ countries in minutes - banks still take 3 to 5 working day to do the same thing, and the fees are generally much higher. 
  • Sending money to family overseas, paying an employee or wiring urgent money to a loved one does not need to cost a fortune in fees.
  • Many New Zealand banks charge a NZ$20 fee per transfer, but a number of online operators do it for a fraction of that. Better yet, their exchange rates are higher meaning you get more foreign currency for every NZD you send.
  • Our guide to international money transfers tells you everything you need to know to get the best foreign exchange rate and pay the lowest fee.
  • Best Transfer Company: Our study of multiple transfer companies in many currencies and amounts revealed Wise was the best international money transfer solution and is our favourite provider. 
  • Whatever your needs - a one-off or regular payment overseas – we reveal how to save significant amounts of money.
 
This guide covers:
  • How Much do Money Transfers Cost?
  • What are the Options to Send Money Overseas?
  • Our Complete Comparison - Best Buy International Money Transfer Services
  • International Money Transfers - Frequently Asked Questions
  • ​Best Money Transfer Options for One-Off Payments (NZ$10,000 or less)
  • Best Money Transfer Options for LARGE One-Off Payments (NZ$10,000 or more)

MoneyHub Founder Christopher Walsh shares his experiences with international money transfers:

"I believe international money transfers can be bad value for money or outstanding value. MoneyHub routinely relies on overseas experts (mostly in engineering, graphic design and programming) ;I make dozens of international money transfers every year to pay the invoices for work done. I use one service and one service only - Wise.

Our ongoing research and comparisons (in this guide and others) conclude Wise is the cheapest option for repeated transfers. It also offers a far superior customer experience and service than any other provider, online or offline. On the other hand, the banks are uncompetitive, legacy platforms like Western Union are expensive and online rivals come and go with introductory offers but may not be cheaper overall

For years I used banks, but it was slow and expensive. I also dabbled with PayPal (for instant payments) but they charge a fair whack of fees that add to the costs of doing business. Wise delivers everything I want from a money transfer service and it's one that I've seen roll out more features while keeping fees super low over the years I've been a customer".
MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh


Our Picks: Best International Money Transfer Companies

Knowing which company to sign up to when sending NZD overseas isn't easy, but our research makes it clear which company offers the best deals. 

From the results of our testing period in June 2019 (and revisited in December 2020 with no change), we concluded that Wise consistently offered the best value, i.e. more foreign currency for your NZ dollar, compared to its rivals. We tested the currencies of AED, AUD, CAD, EUR,  GBP,  HKD,  INR,  JPY,  MXN,  PHP,  SGD, USD and ZAR using small payments (NZ$100 and NZ$1,000) and big payments ($10,000).

Overall, our results were as followed:
Picture
#1 - Wise
​$0 Transfer Fee. Transfer online. Simple & Secure. Highest-rated in our study
More details: Wise Review
#2 Revolut
App only, runner up to Wise
#3 CurrencyFair
Most transaction fees are 0.4% of the transfer amount
#4 Orbit Remit
​NZ$4 Transfer fee
#5 Western Union
NZ$4 Transfer fee. The widest choice of foreign currencies
More details: Western Union Review
#6 OFX
NZ$12 fee for most transfers
Other options:

#7
WorldRemit
Poor exchange rates relative to other options

#8 Remitly
Poor exchange rates relative to other options

MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh

Wise is our 2023's Editor's Choice Winner for Money Transfers. Here's why:
  • Wise is the leading money transfer service, a statement backed up by continuous MoneyHub research and data.
  • Fast, transparent and easy - Wise has the customer at the centre of its service. Unlike bank money transfer services, Wise lets the sender and recipient track the delivery of a payment much like you would with a courier or tracked-parcel service.
  • The fees are low, the ways to pay are extensive, and the speed is near-instant for many currencies.
  • Beyond banks it offers rates and services above and beyond its online rivals and makes converting NZD into 40+ currencies safe and secure.

MoneyHub's editor Christopher Walsh says:
"​We believe Wise outperforms traditional money transfer services by delivering value for money, convenience and speed. So whether you want to make a one-off transaction or send money overseas regularly, Wise beats the banks and the apps".
Wise Favourite Money Transfer Service 2023
Visit Wise

​

How Much do Money Transfers Cost NZ

How Much do Money Transfers Cost?

Banks and money transfer companies charge you in two ways:
  1. The transfer fee, and
  2. The exchange rate
You may see adverts for ‘fee-free transfers’ or similar – the exchange rate will often be bad to make up for not charging a transfer fee. Don’t be caught out by such advertising.
 
The Transfer Fee
  • This can come in many forms, it will either be per transaction (i.e. such as banks who charge $20), a commission (such as some kiosks who charge 2% or 3% of the transfer amount), or a mixture of both.
  • These fees are often disguised or mentioned in the fine print to hide the true cost of the transfer service.
 
Exchange rate
  • The foreign exchange rate is the amount of foreign currency you receive for your New Zealand Dollars.
  • For example, if you see “0:48 GBP” or “0.94 AUD”, this means you will get £48 or A$94 per NZ$100 exchanged, less any fees charged.
  • Many companies advertise that they are 'commission-free' or ‘fee-free’ and then lower the exchange rate against your favour, so you get less foreign exchange currency for your NZD.
  • Confusingly, you won’t know the exchange rates of all the companies at any one time, as few publish them online, and the rates go up and down throughout the day. 

The mid-market rate - the fairest exchange rate you can get

The mid-market rate is the midpoint between the "buy" price and the "sell" price of a currency. It changes all the time as currency markets move, and it's the rate you'll see using Google, XE or Yahoo Finance, among others. However, very few money transfer companies offer it to customers. If you've ever sent money abroad, or exchanged currency at an airport or kiosk, then you've likely overpaid. This is because you pay a "buy" price, rather than a mid-market price. 

Here's an example to see how much this can add up to:
  1. The NZD → GBP mid-market rate was $1 → £0.50
  2. Converting NZ$2,000, you should have received £1,000
  3. You instead got a worse rate (NZ$1 → £0.47), receiving only £940
  4. So without you even knowing, you got secretly charged £60.  

Our view:
  1. Before you make a money transfer, or need to convert currency, make sure you check the real mid-market rate.
  2. Check Google, i.e. search "NZD to GBP" and see what it shows (this works for any currency, i.e. "NZD to Thai Currency". 
  3. Wise offers a mid-point exchange rate for all international money transfers, which is rare in the industry. Coupled with low fees, Wise is our proven pick among all the providers we surveyed.

How safe are money transfers?

  • Sending NZD overseas is only a risk if the company you use goes bankrupt during the process. If you use a New Zealand bank, the risk is minimal.
  • Online companies such as Wise are also relatively safe. But the financial position of a dodgy-looking kiosk is less certain, so it’s essential to consider the amount of the money being transferred and whether or not you can afford to lose it.
  • Thankfully, in New Zealand, the instances of currency companies going bust are relatively rare – but it can happen, and when it does there is no compensation or legal protection in place for those who lose out. 
​

Best company to send money overseas from NZ

What are the Options to Send Money Overseas?

There are generally four ways to send money to someone in another country:
  1. Use an international money transfer company – these are online brokers, such as Wise. You join online and can send money in about 5-10 minutes, once ID approvals are completed. Generally, such companies support payment to almost any country in the world.
  2. Use your bank – all banks offer this service, but in most cases you will need to be their customer. For example, if Westpac has a great exchange rate for the Australian Dollar but you bank with the BNZ, you won’t be able to use their service. Banks are often limited in what currencies they can support payments for, and you may need to have the payment ‘approved’ by head office before your money leaves New Zealand.
  3. Use a money transfer kiosk – these are physical stores, often providing foreign exchange in cash to tourists etc. An example of such a kiosk is Western Union. These companies tend to support payments to almost any country in the world, but there may be limitations.
  4. Use PayPal – if you have a PayPal account, you can send money to anyone else with a PayPal account. Generally, the foreign exchange rates offered by PayPal are not very competitive compared to the alternatives, but this can suit your needs in some circumstances. Read our guide to PayPal fees for more details. 

What is the best way to compare money transfer options?

With fees, commissions and a variation in exchange rates, it does seem complicated. But it doesn’t need to be – there is only ONE question you need to ask:
  • After all charges, how many Euros/Australian Dollars/Rupees/Pounds/Yen will I get?
 
While this may seem like an easy question, it’s sometimes hard to get an answer. While fees and commission percentages are relatively stable, exchange rates go up and down every minute.  Our suggested process:
  1. Use our Currency Converter to get a mid-market exchange rate (this is the mid-point between the wholesale 'buy' and 'sell' price). Enter the amount of NZD you want to send and the currency you want to deliver it in, to get an idea of the total NZD cost.
  2. Compare this to the quotes by banks and/or foreign exchange companies. This will give you an indication of which quote is the best.

MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh

Wise is our 2023's Editor's Choice Winner for Money Transfers. Here's why:
  • Wise is the leading money transfer service, a statement backed up by continuous MoneyHub research and data.
  • Fast, transparent and easy - Wise has the customer at the centre of its service. Unlike bank money transfer services, Wise lets the sender and recipient track the delivery of a payment much like you would with a courier or tracked-parcel service.
  • The fees are low, the ways to pay are extensive, and the speed is near-instant for many currencies.
  • Beyond banks it offers rates and services above and beyond its online rivals and makes converting NZD into 40+ currencies safe and secure.

MoneyHub's editor Christopher Walsh says:
"​We believe Wise outperforms traditional money transfer services by delivering value for money, convenience and speed. So whether you want to make a one-off transaction or send money overseas regularly, Wise beats the banks and the apps".
Wise Favourite Money Transfer Service 2023
Visit Wise

​

Best company to send money overseas from NZ

Our Complete Comparison - Best Buy International Money Transfer Services

  • Transfer money worldwide FOR LESS by using a service that charges lower fees.
  • We have ranked the providers below in the order of price based on our detailed study. 
  • Before you make any transfer, quickly check what your bank can offer to make sure you have a full comparison. In most instances, it won't beat the online providers.
  • Our list makes it easy to find the best deal, whether you want to send money today, or on a regular basis.

Our Study
  • We studied the seven online transfer websites over a period of five days during June 2019, to compare the total amount received in local currency for a range of NZD amounts.
  • We used bank transfer as the method of payment, and compared the cost of sending a range of payments (NZ$100 to NZ$10,000) to AUD, INR, GBP, EUR, USD, CAD, SGD, JPY, MXP and ZAR.
  • We have ordered the money transfer services below based on our results. 

Wise

TransferWise International Money Transfer NZ
  • Stand out points: Low fees, fast processing and transfer times, excellent user experience
  • Results in our study: Best overall and most extensive list of currencies
  • Coverage from New Zealand: 75+ countries
  • Payment options: Bank transfer, POLi, debit card and credit card
  • Cost: One of the cheapest money transfer services available in New Zealand, and arguably the most trusted. For NZ$1,000 being sent to India, the UK, Europe or Australia, Wise's fees ranges from $7 to $9 if paying via bank transfer, with market-leading exchange rates. Additional fees apply for non-bank transfer payment options. 
  • Speed: For most countries, same-day delivery is possible, but only if you use POLi or debit/credit cards as a method of payment. Otherwise, if paying by bank transfer, it can take around one to three business days, depending on the destination.
  • Transfer limits: Up to $2,200,000 per transfer. 
  • Customer experience: Phone support (limited, and out of sync with the New Zealand timezone), email, mobile app and Facebook messenger.
  • Want to know more? Read our Wise review or visit Wise and sign up.
Visit Wise

CurrencyFair

CurrencyFair International Money Transfer NZ
  • Stand out points: Low fees, 1-2 day transfer times, 9.4+ rating on Trustpilot
  • Results in our study: Runner up to Wise - CurrencyFair currently offers the first three transfers free, meaning for a one-off transfer you are likely to get the best deal. However, Wise's payment totals for the currencies we looked at were, on average, 99.9% the total of CurrencyFair's free fees offer, and thus we have placed it as runner up given Wise charges fees.  
  • Coverage from New Zealand: Around 20 currencies
  • Payment options: Bank transfer
  • Cost: Currency Fair promotes a 'first transfer free' service, with a standard 0.25% or 0.3% fee, depending on the currency pair being exchanged, of the total amount exchanged. For NZ$1,000 being sent to India, the UK, Europe or Australia, Currency Fair's fee is around $5, with market-leading exchange rates. 
  • Speed: For most countries, 1 - 2 Business Days is the standard delivery time.
  • Transfer limits: Up to $10,000,000 per transfer. 
  • Customer experience: Phone support (limited, and out of sync with the New Zealand timezone), email, mobile app and Facebook messenger.
  • Want to know more? Visit CurrencyFair and sign up.

OrbitRemit

OrbitRemit International Money Transfer NZ
  • Stand out points: Low fees, fast processing and transfer times, excellent user experience
  • Results in our study: Third, behind Wise and CurrencyFair. 
  • Coverage from New Zealand: ~20 currencies
  • Payment options: Bank transfer
  • Cost: NZ$4.00 for each transfer. For NZ$1,000 being sent to India, the UK, Europe or Australia, Orbit Remit's fee will be $4, with market-leading exchange rates. 
  • Speed: For most countries, 1-2 business days.
  • Transfer limits: No limit
  • Customer experience: Phone support (24/7, Wellington-based), email, mobile app and Facebook messenger.
  • Want to know more? Visit OrbitRemit and sign up.

WesternUnion

Western Union International Money Transfer NZ
  • Stand out points: Low fees, fast processing and transfer times, the widest choice of foreign currencies, excellent user experience.
  • Results in our study: Fourth, behind Wise, CurrencyFair and Orbit Remit. 
  • Coverage from New Zealand: 100+ currencies
  • Payment options: Visa or MasterCard credit, debit or prepaid card.
  • Cost: NZ$4.00 per transaction.
  • Speed: For most countries, it's is 1-2 business days if money is sent to a bank account, or within 10 minutes if sent to a Western Union collection point (but the FX rate is considerably lower, making the transfer more expensive).
  • Transfer limits: Up to $5,000 per transfer. 
  • Customer experience: Phone support, email, mobile app and Facebook messenger.
  • Want to know more? Visit WesternUnion and sign up or read our ​Western Union Review

OFX

OFX International Money Transfer NZ
  • ​​Stand out points: Low fees, fast processing and transfer times, 8.7+ Trustpilot customer review rating
  • Results in our study: Last place
  • Coverage from New Zealand: 55+ currencies
  • Payment options: Bank transfer
  • Cost: NZ$12 for most transfers.
  • Speed: For most countries, 1-2 business days
  • Transfer limits: No limits 
  • Customer experience: Phone support, email, mobile app and Facebook messenger.
  • Want to know more? Visit OFX and sign up.
Our testing methodology
  1. Our researchers sampled five days of FX rates for all providers in real time during June 2019. 
  2. We ranked Wise first, as it provided 99.92% of CurrencyFair's conversions for amounts over NZ$5,000 despite the CurrencyFair rates being 'fee free' with a promotional offer. 
  3. All other money transfer companies were compared with Wise's rate average to establish an order. 
  4. Our data set can be downloaded in XLSX format here. 

MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh

Wise is our 2023's Editor's Choice Winner for Money Transfers. Here's why:
  • Wise is the leading money transfer service, a statement backed up by continuous MoneyHub research and data.
  • Fast, transparent and easy - Wise has the customer at the centre of its service. Unlike bank money transfer services, Wise lets the sender and recipient track the delivery of a payment much like you would with a courier or tracked-parcel service.
  • The fees are low, the ways to pay are extensive, and the speed is near-instant for many currencies.
  • Beyond banks it offers rates and services above and beyond its online rivals and makes converting NZD into 40+ currencies safe and secure.

MoneyHub's editor Christopher Walsh says:
"​We believe Wise outperforms traditional money transfer services by delivering value for money, convenience and speed. So whether you want to make a one-off transaction or send money overseas regularly, Wise beats the banks and the apps".
Wise Favourite Money Transfer Service 2023
Visit Wise

​

Best company to send money overseas from NZ

International Money Transfers - Frequently Asked Questions

How can I send money to another country?

  • The international money transfer limit will depend on where you’re sending the money from and to, and the provider’s security limits.
  • Depending on how much you plan to send, there may be limits. Generally, payments totalling less than $10,000 are no issue for banks, specialist money transfer companies or kiosks.
  • If you’re buying a car from overseas or selling your home and sending the money overseas, you may find your preferred provider isn’t able to offer a service. 

What do I do about tax?

  • If you are moving money overseas and unsure of the tax obligations, it’s a good idea to seek the advice of an accountant who is experienced in such matters.
  • Different countries have different rules on how much tax you should pay on any money received, and this will depend on the nature of the money – for example, whether the money is a financial gift or a regular salary.​​

What details do I need to send an international money transfer?

To send money overseas, you will need to provide the international money transfer company with:
  • Name (the account holder’s name)
  • IBAN
  • SWIFT/BIC code
  • The address of the recipient, and in some cases, their email and phone number
  • ABA number (USA) or ​IFSC code (India)​​

How do I pay for an international money transfer?

You can send money overseas using physical cash, money in your bank account, credit or debit cards and a PayPal balance. The fees will differ depending on the method, and some companies will only accept certain forms of payment.

How long does it take for an international money transfer to arrive?

  • It depends on what country you send the money to, how you pay for the transfer, and the provider you use.
  • If you’re using a bank, it can take between two and five working days, whereas Wise can send money from New Zealand to England, India or the Philippines in a matter of seconds.
  • PayPal offers an instant service, meaning the recipient will receive their money as soon as you press ‘send’. ​​

How can I track an international money transfer?

  • Specialist companies such as Wise send an email to both the sender and the recipient of the transfer with tracking information and an estimated time of arrival. This is also a service that will also be offered by companies such as ​Western Union.
  • Banks, however, don’t tend to offer this service, as they often use older technology compared to specialist companies such as Wise. ​

What do I do if things go wrong?

If your money doesn't arrive as planned, check that the money left your account - sometimes transfers can stall at the first step. If it has, the next step is to call or email the company you used. They can then track the payment and let you know the status of it, or if there's been a holdup. You can also ask your recipient to contact their bank, as in rare cases there can be delays at the destination.

Should I use my bank or an online provider listed by MoneyHub?

This depends on you. Typically, an online provider will be cheaper and give you more foreign currency per NZD than any bank. However, if you prefer to use your bank, the time taken to process a transfer is usually much longer - 3 to 5 working days is normal, whereas 3 to 5 minutes is standard for an online transfer.
​

international money transfer

Best ​Money Transfer Options for One-Off Payments (NZ$10,000 or less)

Online and Bank services for one-off small payments
A number of banks and specialist companies allow you to send money online, using e-commerce transfers. The cheapest, safest and fastest option depends on how much money you want to send.
Popular uses include:
  • Sending a one-off sum of money to a friend/family member overseas, e.g. for Birthday or Christmas presents
  • Paying for goods ordered on Alibaba or directly with an overseas supplier
  • Paying overseas employees or contractors
 
There are a number of New Zealand firms and banks offering international money transfers. The process is simple - you pay them in NZD and they initiate an internet-based money transfer. We have listed these below, although each offer different fee structures. From our research, PayPal is most likely to offer the worst value for money (see our PayPal review for more details). 
​

Best Money Transfer Options for LARGE One-Off Payments (NZ$10,000 or more)

Best Money Transfer Options for LARGE One-Off Payments (NZ$10,000 or more)

While your options and ability to negotiate rates and fees are limited with small, one-off transfers, larger money transfers have more bargaining power. In most cases, a large payment is for situations as such:
  • Buying or selling overseas property
  • Making regular payments overseas, such as a mortgage, bills, a pension or an allowance
  • If you’re moving overseas and want to transfer cash for when you arrive
 
As is the case with smaller, one-off payments, you have no protection if the company you use to transfer your money goes bankrupt.

Five tips for transferring large amounts

Small differentials can make a HUGE difference – a 1% better exchange rate on a $50,000 transfer makes a $500 difference. The best exchange rate AND the lowest fee/commission makes all the difference.
  1. Benchmark the rate - use our Currency Converter to get a mid-market exchange rate (this is the mid-point between the wholesale 'buy' and 'sell' price). Enter the amount of NZD you want to send and the currency you want to deliver it in, to get an idea of the total NZD cost.
  2. Compare this to the quotes by banks and/or foreign exchange companies. This will give you an indication of which quote is the best. It's rare that a bank will actually offer the best deal, but knowing what they will charge is useful, and if the bank is willing to negotiate, it could be the winner.
  3. Get quotes around the same time – as rates change every minute, you can only compare effectively if you get your quotes on the same morning or afternoon.
  4. Typically, the less you transfer, the worse the exchange rates you will get – if you’re using a provider operating offline, such as a bank or specialist broker, calling to negotiate exactly what you need to transfer can lead to a better rate.
  5. If you’re flexible with time, you can lock in a rate later. This means you may end up with a better exchange rate if the NZD gets stronger, or less foreign money if it weakens. There is no way of knowing the future value of the NZD so if you want to be certain, locking in an exchange rate sooner rather than later is the best approach.

Remember: The best way to compare each money transfer company is to ask how much foreign currency you will get for your New Zealand dollars, after all charges have been deducted.

MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh

Wise is our 2023's Editor's Choice Winner for Money Transfers. Here's why:
  • Wise is the leading money transfer service, a statement backed up by continuous MoneyHub research and data.
  • Fast, transparent and easy - Wise has the customer at the centre of its service. Unlike bank money transfer services, Wise lets the sender and recipient track the delivery of a payment much like you would with a courier or tracked-parcel service.
  • The fees are low, the ways to pay are extensive, and the speed is near-instant for many currencies.
  • Beyond banks it offers rates and services above and beyond its online rivals and makes converting NZD into 40+ currencies safe and secure.

MoneyHub's editor Christopher Walsh says:
"​We believe Wise outperforms traditional money transfer services by delivering value for money, convenience and speed. So whether you want to make a one-off transaction or send money overseas regularly, Wise beats the banks and the apps".
Wise Favourite Money Transfer Service 2023
Visit Wise

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  • Wise Review
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