Why is the Currencyflow AUD to NZD rate different from the mid-market rate?

The mid-market rate is a market benchmark. Currencyflow applies a transparent margin to that rate when processing a transfer. The margin varies according to the amount you send. See our rates, margins and fees →

Does Currencyflow charge a fee to send money from Australia to New Zealand?

Currencyflow doesn't charge payment transfer fees. Our pricing is included in the exchange rate through a transparent 0.25%-0.40% margin, depending on the amount you transfer, and is shown upfront.

How long does it take to transfer money from Australia to New Zealand?

Most international transfers are completed within 1-2 working days once we've received your funds. Timing can vary depending on the currencies involved, banking cut-off times, any checks required and the receiving bank.

What bank details do I need to send money to New Zealand?

You'll typically need the recipient's full name and New Zealand bank account number. Depending on the payment route, additional bank information may be required. We'll provide the exact payment details needed for your transfer.

Can I fix my AUD to NZD exchange rate for a future transfer?

Yes. A forward contract can let you fix an available AUD to NZD exchange rate for an agreed future transfer. This can be useful when you know a payment is coming up and want more certainty over the exchange rate before it's due.

Can I move my Australian super to KiwiSaver?

If you've moved permanently to New Zealand, eligible retirement savings may be transferable from a participating Australian super fund to a participating KiwiSaver scheme under the Trans-Tasman retirement savings arrangement. It's a fund-to-fund process rather than a Currencyflow transfer, so check with both providers before arranging it.

Send money from Australia to New Zealand

Q: Are my funds safeguarded when I send money to New Zealand?

Yes. Your funds are safeguarded and kept separate from Currencyflow's operational funds. They are held in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951).

Moving across the Tasman, buying property or supporting family in New Zealand? See the AUD to NZD exchange rate available for your transfer upfront, with transparent pricing and personal support when you want it.

See your AUD to NZD exchange rate instantly
Transparent 0.25%-0.40% margin, depending on transfer size
No Currencyflow payment transfer fees
Personal support, including direct access to our founder

Your funds are safeguarded and kept separate from Currencyflow's operational funds. They are held in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951).

Send, save... & relax.

Transparent pricing, always shown upfront.

By Freddie Smith, Founder & CEO, Currencyflow · Updated 29 October 2026

Sending money from Australia to New Zealand? Here's what to know

If you're moving money across the Tasman, the transfer may be tied to a relocation, property payment or a date when funds need to be available in New Zealand. For a larger AUD to NZD payment, it's worth deciding how much needs to arrive and when you want to convert the Australian dollars.

The exchange rate can move while you're planning the transfer, so the timing of the conversion can affect the NZD amount received. Currencyflow shows you the exchange rate available upfront, so you can see where you stand before you decide.

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

New Zealanders return home and Australians settle in New Zealand in steady numbers, and a relocation usually means moving savings across. On a full savings balance, the rate on the day makes a real difference to what you start with.

Family support

With families spread across both countries, regular transfers to a parent, a student, or a relative in New Zealand are routine. For payments that repeat, a steady rate and transparent pricing matter more than any single day's number.

Retirement savings and the Trans-Tasman scheme

If you're emigrating permanently, retirement savings can move between an Australian super fund and KiwiSaver under the Trans-Tasman Retirement Savings Portability scheme, a fund-to-fund transfer that's separate from a service like ours. We handle the personal savings, property funds, and everyday money you move alongside it.

Property and investment

Buying a home or investing in New Zealand means moving a larger sum, often at completion, where the rate on the amount decides the final cost in New Zealand dollars. If you send the other way too, our New Zealand to Australia page covers that route.

Why send money to New Zealand with Currencyflow

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 →

How to transfer money to New Zealand from Australia

See your exchange rate

Enter the currencies and amount you're transferring and see the Currencyflow exchange rate available to you on screen.

Open your account

If you're happy with the rate, we'll guide you through account setup and verification and answer any questions along the way.

Send your funds

Use the payment instructions we provide to fund your transfer. We'll let you know when the money arrives.

We make your international payment

We convert your Australian dollars at the agreed exchange rate and send the New Zealand dollars to your chosen recipient in New Zealand, either straight away or on the date you've arranged.

Get a free quote

Planning your AUD to NZD transfer

Plan around what needs to arrive

If you're relocating, buying property or moving savings across the Tasman, you may already know how many New Zealand dollars you need and when. The AUD to NZD market rate can move while you're planning, so the timing of your exchange can affect how many Australian dollars you need to convert.

Fix a rate for a future transfer

If you know you'll need to make the payment later, a forward contract can let you fix an available AUD to NZD exchange rate in advance. That can give you more certainty over the amount of New Zealand dollars you'll receive or the amount of Australian dollars you'll need to send.

Set a target rate if your timing is flexible

If you don't need to exchange straight away, a target rate order can wait for your chosen AUD to NZD exchange rate and book automatically if that rate becomes available while the order is active. There's no guarantee the target rate will be reached.

Sending Australian dollars to a New Zealand bank account

If your funds are held with an Australian bank such as Commonwealth Bank, Westpac, NAB or ANZ, you can fund your Currencyflow transfer using the account instructions supplied for your payment.

Once you’ve agreed your AUD to NZD exchange rate, you send the Australian dollars to Currencyflow. We convert them into New Zealand dollars at the agreed rate and send the NZD to the account you’ve provided. The recipient may bank with ANZ New Zealand, ASB, BNZ or Westpac New Zealand.

New Zealand does not use IBANs. Recipient accounts use a bank-branch-account-suffix format, and a SWIFT/BIC may also be required for an international payment. Check the full account details carefully before the payment is released, particularly for larger family, property or relocation transfers.

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 funds are safeguarded

Client funds are held in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951), separate from Currencyflow's operational funds.

Personal support when you want it

Speak with us by phone, WhatsApp or email, including direct access to our founder, Freddie, when you want to talk through your transfer.

Secure account and payment processes

Currencyflow uses security measures including two-factor authentication and transaction monitoring to help protect accounts and payments.

Frequently asked questions

Written by

Freddie Smith

Founder & 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 29 October 2026

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