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      • The Complete Guide to Renting in New Zealand
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    • 65+ Best Online Shopping Websites in New Zealand
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    • Wellington Trade Services >
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    • Christchurch Trade Services >
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    • Hamilton Trade Services >
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    • Tauranga Trade Services >
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      • ​Car Detailing Tauranga
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      • Mechanics Tauranga
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    • Dunedin Trade Services >
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      • Car Detailing Dunedin ​
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      • Wedding Photographers Queenstown
    • Lower Hutt Trade Services >
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      • Panel Beaters Lower Hutt
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    • Napier and Hastings Trade Services >
      • Building Inspectors Napier and Hastings
      • Heat Pump & AC Specialists Napier and Hastings
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Wise, formerly TransferWise International Money Transfer Review

Our detailed review of international money transfer service Wise explains the fees, pros, cons and everything you need to know

Wise Review NZ
Updated 21 March 2022
Summary
  • Wise is doing its best to conquer the world when it comes to making international money transfers. You may currently use your bank, Western Union, PayPal or another business to move money between countries.
  • Wise is focused on offering the best value for money, meaning your NZD will go further when you transfer them overseas.
  • From the results of our periodic international money transfer research, we concluded that Wise consistently offered the best value. Specifically, Wise offered 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$500) and big payments ($5,000). 
  • We believe Wise outperforms traditional money transfer services by delivering value for money, convenience and speed.
  • However, there are several things to know before signing up to Wise, as we detail below.
  • Whether you are looking to make a one-off transaction or send money overseas regularly, Wise beats the banks and PayPal. Our guide explains everything you need to know about the service Wise offers.

This guide covers:
  • ​Wise Pros and Cons
  • Wise Must-Know Facts
  • Wise - Our Conclusion

Are you looking for a review of the Wise debit card?
  • This guide is not for you - our dedicated Wise debit card review has you covered. 
  • MoneyHub users continue to share positive comments about the card - you can visit Wise directly here.
  • Every Wise account is eligible to order the Wise debit card. Signing up for a Wise account is free. If you wish to order the Wise debit card, there is a one-off $14 fee for issuing and mailing the card.
Wise Debit Card

Wise Pros and Cons

Wise's Money Transfer Service - Pros and Cons

  • Bank-beating FX rates to 50+ countries and currencies around the world
  • Low-fee transfers from one bank account to another
  • Four options to pay - bank transfer, POLi, credit card and debit card
  • Same-day payments in many cases - if you use POLi or a card, the transfer can complete within seconds
  • Outstanding online experience with detailed FAQs, video guidance and online help library
  • Approval and verification to use Wise is fast and instantaneous in most cases
  • The exchange rates are far superior to those offered by PayPal

Wise Disadvantages

  • Banks transfer as a payment method offers the lowest fee, but it has a slower delivery time when compared to other options
  • No China CNY transfers permitted from New Zealand
  • Transfers are not as instant as PayPal transfers, but a lot better value for money

Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone that’s approved through some of the below links. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.
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TransferWise International Money Transfer Guide

Wise - Must Know Facts

  1. To understand how Wise offers the best value international money transfer service, we outline ten must-know facts that help explain the service overall. Most importantly,
  2. Wise always uses the mid-market exchange rate (the one you will find on Google). In comparison, exchange rates used by banks, PayPal and travel money cards and other money transfer services often conceal a markup.
  3. Wise's use of mid-market rates is a major reason why using a bank to send money overseas will be much more expensive. 
TransferWise Review NZ

Understand the forex rates, fees and overall cost of a transaction

Wise charges two fees - a Wise fee (for processing the transaction) and a Payment method fee (i.e. the cost of receiving your money, i.e. by a credit card or by a bank transfer).
 
Fee 1: Wise fee - this will vary based on the currency you are converting NZD to
What you pay depends on what currency you use. In our analysis of a NZ$1,000 transfer, we found Euros and British Pounds are the cheapest to transfer, and United Arab Emirates Dirham and South African Rand are the most expensive. 

As an example, the following fees would apply on a NZ$1,000 transfer:
Currency
NZD fee on a $1,000 transfer
% fee on overall transaction value
EUR (Euros)
 $5.68
0.57%
GBP (British Pounds)
 $5.80
0.58%
AUD (Australian Dollars
 $6.04
0.60%
USD (US Dollars)
$6.29
0.63%
CAD (Canadian Dollar)
 $6.78
0.68%
HKG (Hong Kong Dollar)
 $6.85 
0.69%
SGD (Singaporean Dollar)
 $6.85
0.69%
INR (Indian Rupee)
$7.11
0.71%
PHP (Philippine Peso)
 $10.00
1.00%
THB (Thai Baht)
 $10.16
1.02%
MYR (Malaysian Ringett)
 $11.35
1.14%
AED (United Arab Emirates Dirham)
$14.89
1.49%
​ZAR (South African Rand)
 $18.69 ​​
​1.87%
Generally, the percentage fee charged drops as the size of the transaction increases, but to understand the different fees for different currencies, the table above gives the best overview. 

The Wise fee is deducted from the transaction value. For example, if you wish to transfer NZ$1,000 into PHP, based on the table above, NZ$990 will be available to send as NZ$10 is taken by Wise as its fee. 

Understanding how Wise charges its fee, a second fee will apply, as we outline next.
Fee 2: Payment method fee - unlike the Wise fee, the payment method fee does not vary based on the currency you are converting NZD to.
  • Bank transfer - no fee. Whether you transfer $1 or $100,000, if you pay by bank transfer there is no payment method fee. 
  • POLi - $0.30 (30 cents) minimum, which goes as low as 0.05% of the transaction value. For example, if you transfer NZ$1,000, the POLi fee is $0.80 (80 cents). 
  • Credit card - 1.768% of the value of your transaction. For example, if you plan to send NZ$1,000, around $17.68 will be charged to your credit card, meaning your recipient gets less. 
  • Debit card - 1.768% of the value of your transaction. For example, if you plan to send NZ$1,000, around $17.68 will be charged to your debit card, meaning your recipient gets less. 

What these two fees mean for you:
Based on our research, the lowest-fee transactions are always funded by a bank transfer. If you use a credit card, debit card or POLi, you will pay more and/or your recipient will receive less. 
Join Wise for Free
TransferWise Review NZ

Signing up is secure, safe and easy to use, but you will need to prove your identity

Wise isn't just peer-to-peer transfers
Wise started as a peer-to-peer transfer service, meaning, for example, it matched your money transfer of NZ$500 to USD with someone else doing a transfer from USD wanting to send NZ$500. Now the company has large reserves of all the currencies they offer, and Wise is facilitating the buying and selling of currency. This means your transfer will always occur as the peer-to-peer model has been superseded. 

Regulation in England, New Zealand and around the world
Wise is heavily regulated in England, where the company is based. Furthermore, its operations are reviewed and monitored around the world by various government bodies. In New Zealand, it falls under the watch of the Department of Internal Affairs.​
TransferWise Review NZ

Understand how Wise works in ten easy steps

Joining and using Wise is very easy, and we outline the complete process below.
​
  1. Sign Up - this is very easy, and is done via the Wise website. 
  2. Mobile and Email Verification - Wise sends a text with a security code and an email, which you need to verify by clicking the link. Once done, you can complete your first transfer.
  3. Arrange a Transfer - you will be able to enter in how much you want to send or have sent, meaning you can send either, for example, NZ$1,000 or US$1,000, and Wise will tell you how much USD will be received or NZD required. You will also get a fee breakdown. 
  4. Guarantee of Exchange Rate - Wise will also secure the exchange rate between 24 and 96 hours, depending on the currency, meaning you can lock in a transfer rate now and pay up to 4 days later. 
  5. Enter the Recipient Details - this is where you enter the bank details of who you are sending money to. You will need to know the country, bank account details including bank branch and address, as well as the recipient's email address and/or phone number. 
  6. Verify Your Identity - Wise will prompt you to upload images of your ID, i.e. passport, to verify your identity. The timeframe for your identity to be verified ranges from seconds to three days, although users report that in most cases it is seconds. 
  7. Confirm the Purpose of the Transfer - you will need to specify why you are sending the money; there is a list of options, such as 'for the payment of goods or services' and 'sending money to friends and family'. Most people pick the most relevant option to them.
  8. Make the Payment - you will be given four payment options in most cases. If you use a debit or credit card, follow the instructions and enter in your card details. If you use POLi, you will be prompted to log in to your bank via POLi and select the account from where the money is coming from. If you select bank transfer, you will be given a bank account and a unique reference where to send the money. As soon as your money is received and matched, the transfer will happen.
  9. Track the Progress - you will first receive an email saying that the 'money has been received', and then a 'money has been sent' email when that happens. Your recipient will also receive similar emails advising them that money is on its way to them.
  10. Confirm the Payment - once you receive an email saying the money has been sent, it's a good idea to check with the recipient that the money has arrived. 
Join Wise for Free
TransferWise Review NZ

Wise, formerly TransferWise vs Bank Transfers

New Zealand banks charge a fee for international money transfers. You may also need to have your recipient’s details approved by your bank, as part of their fraud-prevention measures. When you do finally make the transfer, it can take as long as five working days to arrive in the recipient’s bank account.

Let’s take an example below, with Kiwibank. We wanted to make three transactions:
  • A transfer of 500 USD
  • A transfer of 500 GBP
  • A transfer of 500 EUR

We wanted to compare what this would cost h AUD, GBP and EUR you will receive, compared to what Wise offers.

Transfer NZD to USD

  • In our example, to transfer 500 USD costs $738.65 using Wise, or $764.66 using Kiwibank.
  • The difference in cost is due to the foreign exchange rate (0.68180 with Wise, vs 0.67145 with Kiwibank) and the $5.30 vs $20 fee.
  • In this example, we calculate Wise is around 3.50% cheaper, saving over NZ$30.
TransferWise review NZ
TransferWise review NZ

Transfer NZD to GBP

  • In our example, to transfer 500 GBP costs $977.82 using Wise, or $1,006.65 using Kiwibank. 
  • The difference in cost is due to the foreign exchange rate (0.51435 with Wise, vs 0.50676 with Kiwibank) and the $5.72 vs $20 fee. 
  • In this example, we calculate Wise is around 3% cheaper, saving around NZ$30.
TransferWise review NZ
TransferWise review NZ

Transfer NZD to EUR

  • In our example, to transfer 500 EUR costs $833.76 using Wise, or $863.67 using Kiwibank.
  • The difference in cost is due to the foreign exchange rate (0.60335 with Wise, vs 0.59265 with Kiwibank) and the $5.05 vs $20 fee. 
  • In this example, we calculate Wise, formerly Wise is around 3% cheaper, saving over NZ$30.
TransferWise review NZ
TransferWise review NZ
*Rates for all comparisons taken for both Kiwibank and Wise at 5am NZ time, 15 March 2019

Overall results:
  • The results are clear – Wise is far more cost effective, and the recipient receives 3% to 3.50% more local currency for USD, GBP and EUR 
  • The exchange rate offered by Wise outperformed Kiwibank in all three cases. 
  • We are confident that Wise is more cost effective than the money transfer services offered by all New Zealand banks​.
Join Wise for Free
TransferWise Review NZ

Wise vs PayPal

​Our PayPal fees guide illustrates you will pay between 3% and 4.20%, making a PayPal transfer far more expensive than Wise. The only benefit of PayPal is that the recipient doesn’t need a bank account, although in the majority of standard money transfers this isn’t an issue.

In the examples below, based on the bank transfer comparison above, show the exchange rates offered by PayPal are poor value when compared to Wise. 

Comparing PayPal to Wise
  • Sending 500 USD costs NZ$738.65 (Wise) vs NZ$760.93 (PayPal) - a 3% saving
  • Sending 500 GBP costs NZ$977.82​ (Wise) vs NZ$1020.68 (PayPal) - a 4.2% saving
  • Sending 500 EUR costs NZ$​833.76 (Wise) vs NZ$867.52 (PayPal) - a 4.2% saving
TransferWise vs PayPal
TransferWise vs PayPal
TransferWise vs PayPal
TransferWise Review NZ

Wise transfers money at record speeds

Send and receive money in seconds is what Wise promises, but how you pay depends on what how fast your money is transferred. Nonetheless, compared to the speed of your bank, Wise is lightening-fast. 

The fastest way to pay is via POLi or card
In the example below where we send NZ$500 to India, we show how paying by POLi, debit or credit card means the money will arrive 'in seconds'. If you pay by bank transfer, while this comes with no additional fees, it will take longer. If you transfer over a weekend, the entire Wise transaction could take up to three days. 

Nonetheless, compared to a bank (Kiwibank, for example, states international money transfers "usually arrive within two to three business days of sending"), how fast your transfer arrives depends on how quickly you transfer the money. Any payment form other than bank transfer will be instant, so your payment may arrive in seconds, depending on the destination country.
TransferWise review
A payment via card or POLi will arrive 'in seconds', but the fee is higher
TransferWise review
A payment via bank transfer takes longer to arrive, but the fee is lower
TransferWise Review NZ

If you make a mistake and pay the wrong person or amount, cancelling a Wise transaction can be problematic

Wise lets you cancel a transaction, but if you have already paid via POLi or a debit or credit card, there is little you can do to reverse the payment. This means it is essential to input your recipient's details correctly. If you enter the wrong details, the transfer will either be rejected or go to an unintended recipient.

To avoid any issues, it's best to ask your recipient to confirm the bank details as they appear on Wise once you have set them up on your account. You can take a screenshot or copy and paste it. You can then transfer the money with confidence.

Only Wise transaction paid with manual bank transfers can be reversed if you accidentally pay the wrong person, but this has to be done before you make the bank transfer. 
Wise Review NZ

You won't be able to transfer more than NZ$10,000 using a credit card or debit card in a single transfer

Wise is governed by rules and mandates set by the New Zealand Department of Internal Affairs. This has limited the transaction values to ensure safety for consumers and reduce the risk of money laundering transactions. For this reason, $10,000 is the limit you can transfer at one time if using a card, but this is the most expensive option as our fees review describes anyway. 
Join Wise for Free
Wise Review NZ

You can send money to almost every currency...but China has some restrictions

While 50+ currencies are available for transfers, covering all four corners of the world, China is a no-go at the moment for Wise other than UnionPay. According to the approved Country Wise list, money transfers from New Zealand are prohibited. For approved countries, there are still limitations, specifically:
  • You can only make CNY transfers to private recipients who have a UnionPay bank card.
  • Wise can only pay out to UnionPay accounts opened using Chinese National ID cards. Accounts opened with a passbook, driver's licence or military document are not supported. 
  • You cannot send CNY to a business recipient. You can send USD though, if you'd like to.

No new information about if and when New Zealand will be added to the approved country list is currently available.
Wise Review NZ

Wise has a lot of positive reviews from users - some negative reviews highlight a couple of limitations

Your account may be deactivated without warning - Wise advises that "account deactivation is a security measure that we have to take from time to time to ensure that we comply with our regulations and maintain the safety of our global customer base". If you do have this happen, there isn't much you can do other than contact support. If you have a transfer in-progress and your account is deactivated, this can be stressful. 

Money transfers can be delayed - it may say 5 hours, but if your bank has a glitch, you make a bank payment outside of business hours to settle the transfer, or you just have bad luck, you can face delays of a day or two. If you are transferring to an account overseas to settle a payment, it is best to plan in advance and organise the transfer well ahead of schedule. 

Call centre support is limited - Wise picks up the phone 9:00am - 5:00pm, Monday to Friday New Zealand time, so outside these hours you'll need to wait until they open.
Join Wise for Free

TransferWise International Money Transfer Guide

Our Conclusion

  • We are fans of Wise, and use it internally to pay overseas contractors who do ad-hoc work for MoneyHub. We find it fast, simple to use, 100% online and completely honest by way of the fees it charges. 
  • Best of all, you have full control over the process. In a few simple clicks, you can pay someone directly with email notifications of the process.
  • If you are transferring large amounts of money ($25,000+), you may feel more comfortable making the transactions in smaller part-payments. Wise is 100% online and trusting a website with a life-changing amount of money can be daunting - anyone anxious may get more comfort in a piece-by-piece approach. 
  • Be aware: Using a credit card as a payment method is the same as purchasing something with your credit card – you will repay the purchase when your bill is due. Using a credit card to settle a Wise transaction does not trigger a cash advance. If you are unable to pay your credit card bill, or make a part-payment, you will be charged interest on all of your transactions. Please see how credit cards work for more details. 
  • Ultimately, Wise beats what banks in New Zealand offer, and competitively outperforms both PayPal and traditional money transfer services such as Western Union in almost all situations.
Join Wise for Free

Are you looking for a review of the Wise debit card?
  • This guide is not for you - our dedicated Wise debit card review has you covered. 
  • MoneyHub users continue to share positive comments about the card - you can visit Wise directly here.
  • Every Wise account is eligible to order the Wise debit card. Signing up for a Wise account is free. If you wish to order the Wise debit card, there is a one-off $14 fee for issuing and mailing the card.
Wise Debit Card

Related Guides:
  • Wise debit card review
  • International money transfer review
  • Wise fees calculator (external website)
  • PayPal Account Fees
  • Mastercard vs Visa FX rates
  • Best foreign currency credit card and debit cards FX rates
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