NZD transfers

NZD transfers

Here you'll find everything you need to know about sending to New Zealand Dollars (NZD). For more information and to get started with your first transfer, click here.

Check the latest fees

Please note that we cannot send transfers to or receive transfers from the Cook Islands, even when an account is denominated in NZD. 

Sending to NZD
Sending from NZD
NZD refunds

Sending to NZDalt

Basic information   Notes
Delivery time 1 working day After payout. Please keep in mind that TransferWise can take up to 2 working days to convert your funds after receiving the deposit.
Maximum amount
(per transfer)
2,000,000 NZD Or the maximum for the sending currency, whichever is lower.
Countries we can send to New Zealand only  
Additional receiving banking fees None  
Required details    
Recipient full name Yes When sending to individuals, please include first name and surname. There is a 35 character limit, and please only use standard Latin letters (a–z).
Recipient local account number Yes NZD local account number should be 15–16 digits. This is made up of the bank code (2), branch code (4), account number (7) and suffix (2–3).
Amount lock transfer Yes The currency you're sending from must also be able to send fixed amounts. Please see our other currency FAQs more information.


Sending from NZDalt


Basic information   Notes
Time for deposit to reach TransferWise 1 working day TransferWise usually only receives deposits within banking hours.
Maximum amount 2,200,000 NZD by bank transfer,
10,000 NZD by debit or credit card
Or the maximum amount for the receiving currency, whichever is lower.
How to send money Local bank transfer, debit or credit card  
Additional sending fees None Unless paid by card. Please see below.
Required details    
Full verification Before first transfer You'll be asked to upload a copy of your ID document and an address proof during the creation of your first transfer from NZD, if your address is in New Zealand. If you're based elsewhere, only your ID will be generally needed.
Amount lock transfers Yes The currency you're sending to must also be able to receive fixed amounts. Please see our other currency FAQs for more information.
Guaranteed rate Yes Learn more here.
Debit/credit card payments Yes The limit per payment for NZD card payments is 10,000 NZD. Paying with any card carries an additional 1.8% fee.
Business transfers Yes  
POLi payments Yes POLi payments will reach us in 0–2 working days. Only available when paying from a personal bank account and from a limited number of NZ banks: 
  • ANZ
  • ASB
  • Bank Direct
  • Bank of New Zealand
  • Kiwibank
  • TSB Bank
  • Westpac
Refunds take 1–2 working days.

NZD refunds

Bank transfer

In most cases, TransferWise can refund NZD bank transfer payments as long as we have your money and your transfer has not yet been completed. It takes 0–2 working days for a bank transfer refund to appear back in your account. 

Debit/credit card

If you cancel a transfer that you paid for by card, we’ll automatically refund the money to the card you paid with. This usually takes 3–5 working days, but can take up to 10 working days to appear back in your account.

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