Send Money from Australia to New Zealand
Maybe you're moving back across the Tasman, supporting family in New Zealand, or funding a purchase there. A Currencyflow transfer usually reaches a New Zealand bank account the same or next working day at a competitive AUD to NZD rate with no payment transfer fees. You can check the live AUD to NZD rate before you send.
- Fast, secure transfers to New Zealand
- Competitive AUD to NZD exchange rates
- No payment transfer fees, transparent pricing
- Support from a dedicated account manager
- Client funds safeguarded, FCA-authorised payment institution partner
Send, save... & relax.
Transparent pricing, always shown upfront.
Your funds are fully protected with Currencyflow through our FCA-regulated partner, Sciopay Ltd (FCA number 927951), and held in segregated safeguarded accounts with tier-one banks, separate from operational funds.
By Freddie Smith, Founder & CEO, Currencyflow · Updated 4 August 2026
Sending money from Australia to New Zealand? Here's what to know
The Tasman is a short hop for money as well as people. Most AUD to NZD transfers with us reach the New Zealand account the same working day or the next once your Australian dollars have cleared, and the small time difference (New Zealand runs two to three hours ahead) rarely gets in the way.
The cost to watch is the exchange rate, not a fixed fee. Banks often present a modest charge and then apply a wider margin on AUD to NZD, which adds up quickly on a larger transfer like relocation savings. We charge no payment transfer fees, and our margin is fixed, transparent, and set by transfer size, so a bigger transfer is priced more keenly. The live AUD to NZD page shows the market you're pricing against.
To open an account you'll need photo ID and proof of address. For larger transfers, our compliance team asks for proof of source of funds, for example a payslip, a property sale statement, or evidence of savings. On the Australian side, international transfers are reported to AUSTRAC by the provider handling them, not by you, so there's nothing extra to file. If you're moving a large balance, our guide to large transfers sets out what to expect.
Why people send money from Australia to New Zealand
People move money across the Tasman for relocation, family, property, and retirement savings, often all at once when they're moving home.
Moving home to New Zealand
Family support
Retirement savings and the Trans-Tasman scheme
Property and investment
How to transfer money to New Zealand from Australia
Get a personalised quote
Open your account
Add your funds
We send your New Zealand dollars to New Zealand
Currencyflow vs. Banks
| Feature | Currencyflow | High Street Banks |
|---|---|---|
| Exchange rate | Fixed, transparent, competitive | Often wider and less transparent |
| Transfer fees | No payment transfer fees | Often charged |
| Speed | Same-day (most cases) | Several days |
| Support | Dedicated account manager | Call centre/branch |
| Rate lock | Forward contracts available | Rarely offered |
| Account setup | Free, no ongoing fees | Sometimes charged |
Swipe to see more →
Understanding the AUD to NZD exchange rate
Why the rate matters on this corridor
The mid-market rate and what you receive
How the AUD to NZD rate moves
Fixing a rate for a future transfer
Sending Australian dollars to a New Zealand account
New Zealand runs two to three hours ahead of eastern Australia, so a transfer funded in your morning generally reaches the account within New Zealand banking hours the same day.
New Zealand doesn't use IBANs or sort codes. A New Zealand bank account is identified by a number in the format bank-branch-account-suffix (around fifteen or sixteen digits in all), and for an international payment your recipient will also give you their bank's SWIFT/BIC code, so it's worth confirming the full number and the SWIFT code before you send. If you send the other way too, our New Zealand to Australia page covers that route, and our destinations hub lists the others.
How long does a transfer from Australia to New Zealand take?
Most transfers arrive the same working day or the next.
- •The small time difference. New Zealand runs two to three hours ahead of eastern Australia, so a transfer funded in your morning usually reaches the account the same day.
- •When you fund the transfer. Sending your Australian dollars to us earlier in the day gives the payment the best chance of completing that working day.
- •First-transfer verification. Your first payment can take a little longer while your account is verified, then later transfers are quicker.
- •Compliance checks on larger amounts. A big relocation or property payment may need source-of-funds evidence, so having it ready avoids a pause.
- •Weekends and public holidays. Bank processing pauses over weekends and public holidays in either country, which can add a day around those dates.
A bank on this route often takes two to three working days. With us, most AUD to NZD transfers land same or next working day, with a few factors affecting the exact timing.
What do you need to send money to New Zealand?
To send money to a New Zealand bank account, you'll need:
- Photo ID, either a passport or a driving licence.
- Proof of address, such as a recent utility bill or bank statement.
- The recipient's full name as it appears on their New Zealand account.
- The recipient's New Zealand account number and the bank's SWIFT/BIC code.
- The purpose of the transfer, which we'll ask about for larger amounts.
- Source-of-funds evidence for a large transfer, for example a payslip, a property sale statement, or evidence of savings.
New Zealand identifies accounts by a bank-branch-account-suffix number rather than an IBAN, so make sure you have the full number and the bank's SWIFT/BIC code.
Legal and tax notes for Australia to New Zealand transfers
- •On the Australian side, Australia has no gift tax and no general inheritance tax, so sending money to family or your own account isn't taxed as a gift at the Australian end. Providers report international transfers to AUSTRAC, but that's a compliance obligation on the business, not a cost or a tax to you.
- •If you're on a means-tested Australian pension, note that Centrelink's gifting rules let you give away up to AUD 10,000 in a financial year, or AUD 30,000 over five financial years, before the excess is treated as a deprived asset in your pension test for five years. Worth checking before a large gift.
- •On the New Zealand side, receiving money isn't taxed as a gift. New Zealand abolished gift duty in 2011 and has no inheritance or estate tax, and no general capital gains tax, so a personal transfer to family or your own account isn't taxed on arrival. Income the money later earns (interest, rent, dividends) is taxable in the normal way.
- •One New Zealand exception is residential property. The bright-line test can tax the gain on residential property sold within two years of buying it (for property acquired on or after 1 July 2024), treating that gain as taxable income. That applies to a property sale, not to an ordinary cash transfer.
- •If you're emigrating permanently, retirement savings can move between an Australian complying super fund (APRA-regulated) and a KiwiSaver scheme under the Trans-Tasman Retirement Savings Portability scheme, and those transfers are exempt from entry and exit taxes. It's a voluntary, fund-to-fund arrangement, separate from an everyday money transfer, so check that both your super fund and KiwiSaver provider take part.
- •These notes are general information, not tax advice. For a large gift, an emigration move, or anything involving property or retirement savings across both countries, it's worth taking professional advice on your own situation.
Why trust Currencyflow
Your money is protected
Funds are held in safeguarded client accounts through our FCA-authorised payment institution partners. This keeps your money separate from business operations and protected at all times.
30+ years of currency expertise
Our leadership team has over 30 years of combined experience in currency transfers and international payments. We understand how to manage risk and keep your transfer running smoothly.
Built-in fraud protection
We use secure processes including two-factor authentication and transaction monitoring to protect your account. Every transfer is verified for safety.
Frequently asked questions
Written by
Freddie SmithFounder & CEO, Currencyflow
Freddie Smith is the Founder and CEO of Currencyflow, an international foreign exchange and payments specialist focused on high-value transfers for individuals and businesses worldwide. With over 12 years of commercial experience across financial services and digital media, including several years working with financial services comparison platforms, Freddie has spent his career at the intersection of partnerships, growth strategy, and money movement. He founded Currencyflow to bring transparent, fixed-margin pricing and personal relationship management to clients making significant international transfers.
Last updated 4 August 2026
