Best ways to send money from New Zealand

Q: What details are needed to send money to the UK?

The details you'll need to send money internationally from New Zealand to the UK may vary by provider, and based on the value of the transfer. At a minimum, whenever you make an international bank transfer you will typically be asked for: Sort code Account number

Q: Can I send international money transfers from New Zealand to the UK for free?

You can't send money to the UK from New Zealand for free. International transfers cost providers money to arrange, so there's always a fee somewhere to make sure that the business covers its costs and generates profit. However, many providers choose to make the fees you pay trickier to spot by adding them into the exchange rates used for transfers.

Q: When is the best time to transfer money from New Zealand to the UK?

There is no official best time to send money from New Zealand to the UK and that depends on a variety of factors such as when you need to send money or when you want the funds to be received. It’s also going to depend on a variety of other factors such as, the time when you send money or the fees you are offered by providers or banks.

Q: What is the best way to send large amounts of money to the UK from New Zealand?

When you’re sending a high value payment it’s especially important to do your research and find a provider which is safe and which offers low fees and great exchange rates. It’s also well worth comparing some providers based on transfer times, as the delivery time can also vary pretty widely. Some international money transfer services offer discounts for high value transfers, either through lower fees or a better exchange rate. Use the Exiap cost comparison calculator to make sure you’re getting the very best deal available for your specific transfer.

Q: How to send large amounts of money to the UK?

While sending a high value payment works very similarly to sending any other transfer overseas, the provider may require additional information to verify the payment. You might be asked to prove the source of the funds, for example, to comply with local and international financial services legislation. If you’re sending a large amount of money you’ll also need to make sure the provider you’ve picked can support the amount, as maximum payment limits may apply.

Q: How do I know if there is an international bank transfer fee for the UK?

To send money to the UK using one of the international money transfer providers in our tables, the fees range from 45.9 NZD with Wise to 739.4 NZD with PayPal (but the fee could be even higher with a bank). The exact cost depends a lot on where you’re sending money, how much you’re sending, how you want to pay, and how you want the payment to be received. Typically sending money directly to a recipient’s bank account using a specialist service can be done with fairly low costs, while traditional bank transfer fees can be higher. Paying for your transfer with either a credit card or cash can often mean the fees crank up, too. When you’re sending money internationally, don’t forget that the overall fee you pay can include the transfer fee, an extra charge wrapped up in the exchange rate used, and third party charges like a cash advance fee from your credit card issuer.

Q: How do I know if there any international money transfer limits to the UK?

There is no legal limit on how much money can be sent to or from New Zealand to the UK, although banks and other payment providers may impose their own limits. Money transfer limits can vary quite widely between providers, and may also change depending on how you want to fund your transfer. You could find different limits in place when you pay by card compared to paying using a bank transfer, for example.

We've compared the cheapest, fastest and safest ways to send money from New Zealand to the UK. Take a look at our comparison table and our detailed review below.

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Comparing 11 providers for your transfer of $15000 NZD to GBP

Provider

Trustpilot

Speed

Total cost

Amount received when sending $15,000

Go to provider

The Best Deal

1 min ago

279,167 Reviews

4.3

0-2days

$ 45.90NZDshow more

£6,411.84GBP

1 min ago

Go to site

1 min ago

3,507 Reviews

4.9

2-3days

$ 81.65NZDshow more

£6,396.70GBP

1 min ago

Go to site

1 min ago

82,324 Reviews

4.4

2-3days

$ 89.24NZDshow more

£6,393.48GBP

1 min ago

Go to site

1 min ago

11,111 Reviews

4.3

1-3days

$ 111.65NZDshow more

£6,384.00GBP

1 min ago

Go to site

50 mins ago

10,291 Reviews

4.5

1-3days

$ 137.09NZDshow more

£6,373.25GBP

50 mins ago

Go to site

1 min ago

18,267 Reviews

4.8

2days

$ 180.88NZDshow more

£6,354.89GBP

1 min ago

Go to site

2 hrs ago

124.00 Reviews

Varies

$ 242.51NZDshow more

£6,329.19GBP

2 hrs ago

Go to site

1 min ago

99,617 Reviews

4.6

0-2days

$ 262.27NZDshow more

£6,321.00GBP

1 min ago

Go to site

an hour ago

228.00 Reviews

1.6

Varies

$ 262.77NZDshow more

£6,320.76GBP

an hour ago

Go to site

3 days ago

314.00 Reviews

1.6

Varies

$ 294.16NZDshow more

£6,307.66GBP

3 days ago

Go to site

18 mins ago

36,278 Reviews

1.3

Varies

$ 739.40NZDshow more

£6,129.25GBP

18 mins ago

Go to site

How we found the best ways to send money

Our database includes 27 secure providers. For your specific transfer of $15000 from NZD to GBP, we found 11 providers that support this route and for the amount you want to send. We sort these by the cheapest total cost, displaying the freshest data available, whether via direct feed or manual collection. This process is never influenced by referral fees, ensuring you get a fair and transparent comparison every time. Learn more

Quick Verdict: The best ways to send money from New Zealand to the UK

Category	Winner	Key Stats
💰Cheapest Cost	Wise	Total Fees: £45.9
📈Best Exchange Rate	Wise	Rate: 0.4288
⚡Fastest Transfer	Wise	Time: Instant-2 Days
⭐Customer Favourite	TorFX	TrustScore: 4.9/5

You can transfer money from New Zealand with a bank, or you can choose a specialist transfer provider. Often, these providers offer a faster, more efficient, and cheaper way to send money from New Zealand to the UK.

On this page

How to Cheapest Fastest Best Rated Exchange Rate FAQs

How to send money from New Zealand: Step-by-Step

The good news is that sending money from New Zealand is easier than ever. Plus you can usually do everything with your phone or laptop - with no need to stand in line at a bank or money changer’s office. Here’s how to send money from New Zealand in 5 simple steps:

Choose a Money Transfer Service
- Enter the amount of money you want to transfer into our comparison tool
- Compare rates, fees, and delivery speed. You’ll see a range of options from reliable providers, so you can compare and pick the best for your specific transfer
- Consider user reviews and security features
Register with your chosen provider
- Register with your chosen provider (e.g Wise, TorFX, XE)
- Verify your ID if required
Enter Recipient Details
- Add the recipient’s full name and bank details or email, depending on the method
Select Amount and Currency
- Choose how much to send and the currency (e.g. NZD to GBP)
- Review exchange rates and fees upfront
Pay for Your Transfer
- Choose from options like bank debit, credit card, apple/google pay or bank transfer (depending on what's available from the provider)
- Get confirmation and a tracking link if available
- Notify your recipient if needed

You can send money to the UK from New Zealand using your bank, a specialist money transfer service, an e-wallet, or by visiting a physical money remittance store. Each option has different pros and cons, so the best for you will depend on your specific transfer and personal requirements.

The cheapest way to transfer money from New Zealand

Of the 11 providers we found for sending money from New Zealand to the UK, here is how the top 5 stack up based on cost.

Provider	Total Cost	Exchange Rate
Wise (Cheapest Option)	£45.9	0.4288 NZD to GBP
TorFX (Runner Up)	£81.65	0.4264 NZD to GBP
XE (Alternative)	£89.24	0.4262 NZD to GBP
OFX (Alternative)	£111.65	0.4256 NZD to GBP
CurrencyFair (Alternative)	£137.09	0.4250 NZD to GBP

Go to Wise

Why this matters

The Savings: Choosing Wise saves you 693.5 NZD compared to PayPal, which is the most expensive of the providers we reviewed.
The "Hidden" Cost: Always check the Exchange Rate + Upfront Fee. Some providers claim "zero fees" but hide costs in the rate.
The Interbank Rate: The current true market rate is 0.42877.

Example: Most banks add a markup (often ~3%) to the market rate.

If the real rate is 0.42877, a bank might offer you a rate of roughly 0.44163, keeping the difference for themselves.

Finding alternative ways to transfer money from New Zealand shouldn't be hard. Review our full list of cheap ways to transfer money from New Zealand to help you with your search.

The fastest way to transfer money from New Zealand

Of the 11 providers we found for sending money from New Zealand to the UK, here is how the top 5 stack up based on speed.

Provider	Estimated Time
Wise (Fastest Option)	Instant-2 Days
Remitly (Runner Up)	0-2 Days
CurrencyFair (Alternative)	1-3 Days
OFX (Alternative)	1-3 Days
Currencies Direct (Alternative)	2 Days

Go to Wise

Speed comparison: banks vs digital providers

The fastest provider for transferring money from New Zealand is currently Wise, taking roughly Instant-2 Days.

Why is there such a big difference in speed?

Banks (usually slower): Most banks use the SWIFT network. This system passes your money through several intermediaries—like taking a flight with 3 layovers. It typically takes 3-5 working days.
Transfer Specialists (usually faster): Companies like Wise often have their own local bank accounts in both countries. They don't "send" the money across borders; they pay out from their local reserves instantly.

If speed is your priority, avoiding traditional banks is usually the best strategy.

The best rated provider to transfer money from New Zealand

Of the 11 providers we found for transferring money from New Zealand, here is how the top 5 stack up based on user reviews from Trustpilot.

Provider	TrustScore	Volume
TorFX (Best Rated)	4.9 / 5 (Excellent)	3507 reviews
Currencies Direct (Runner Up)	4.8 / 5 (Excellent)	18267 reviews
Remitly (Alternative)	4.6 / 5 (Excellent)	99617 reviews
CurrencyFair (Alternative)	4.5 / 5 (Excellent)	10291 reviews
XE (Alternative)	4.4 / 5 (Excellent)	82324 reviews

Go to TorFX

How to read these reviews

When choosing a provider, don't just look at the score out of 5. You should also consider the Review Volume.

The "Trust Factor":

A provider like TorFX with a score of 4.9 and 3507 reviews is generally safer than a newer company with a perfect 5.0 rating but only 10 reviews.

Exchange rate trend between NZD/GBP

As with many currencies, the NZD/GBP exchange rate moves over time, due to changes in supply and demand. Exchange rate fluctuations can be caused by underlying shifts in how well the economy in New Zealand or the UK is doing, changes in political stability, or even simple speculation, where traders buy or sell currencies based on how they think trends are going to change.

Right now, $1 buys £0.42877

1 NZD = 0.428794 GBP

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Conclusion

When it comes to choosing the best provider for sending money from New Zealand to the UK, it really depends on what your needs are.

The cheapest provider shown in our comparison table is Wise. If the transfer time is what you're interested in, then Wise is also the fastest way to transfer money to the UK. Wise can get your money to your recipient in the UK in Instant-2 Days.

If safety is what interests you the most when it comes to picking the best international money transfer provider from New Zealand, then all the providers we listed above are regulated by different financial institutions and should be safe to send money from New Zealand with.

Find the best money transfer provider

FAQs: sending money from New Zealand

What details are needed to send money to the UK?

Can I send international money transfers from New Zealand to the UK for free?

When is the best time to transfer money from New Zealand to the UK?

What is the best way to send large amounts of money to the UK from New Zealand?

How to send large amounts of money to the UK?

How do I know if there is an international bank transfer fee for the UK?

How do I know if there any international money transfer limits to the UK?

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