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NZD Transfers

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

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

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Also, see our BIC Code Finder Tool!

Sending to NZD

Basic Information   Notes
TransferWise Fee 0.7% (or the equivalent of 2.94 NZD for transfers under 420 NZD) When sending from currencies where the fee would normally be 0.5%, the fee is instead 0.7%.
Delivery time* 1 working day *After payout. Please keep in mind that TransferWise can take up to two working days to convert your funds from 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

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Sending from NZD

Basic Information   Notes
TransferWise fee 0.7% (or 2.94 NZD for under 420 NZD) Debit / Credit card payments from NZD have an additional fee of 2%. For more information, please see here.
Time for deposit to reach TransferWise 1 working day Please note: TransferWise usually only receives deposits within banking hours
Maximum amount 2,200,000 NZD Or the maximum amount for the receiving currency, whichever is lower
How to send money Local bank transfer  
Additional sending fees No  
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 New Zealand if your address is based in New Zealand
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 You'll receive a guaranteed rate, lasting 48 working hours (2 working days) when transferring to AUD, CHF, EUR, GBP and USD.
Debit/Credit card payments Yes The limit per payment for NZD card payments is 4000 NZD. Paying with any card carries an additional 2% fee.
Business transfers Yes  
POLi payments Yes POLi payments will reach us in 0-2 working days. Only available for a limited number of NZ banks - 
  • ANZ
  • ASB
  • Bank Direct
  • Bank of New Zealand
  • Kiwibank
  • TSB Bank
  • Westpac
Refunds take 1-2 working days.


TransferWise Ltd is registered as a Reporting Entity with the Department of Internal Affairs (DIA), RE Number RE-01517.

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