Send money from NZ to Australia:
fees and rates.
Sending money from New Zealand to Australia costs a transfer fee, the provider's exchange-rate margin and sometimes overseas bank charges. On 11 Nov 2026 the mid-market rate was A$0.8140 per NZ$1, so NZ$1,000 was worth A$814 before costs. That day, ANZ, BNZ and Westpac charged nothing to send AUD online, ASB NZ$5 and Kiwibank NZ$10.
said 9 Nov 2026
said 19 Oct 2026
Checked 10 Nov 2026
What do NZ banks and transfer services charge to send AUD to Australia?
We read each provider's own fee page or fee brochure on 10 Nov 2026; where the figures come from a brochure, its date is in the table.
| Provider | Fee to send online | Other ways to send | Overseas bank charges | Exchange rate |
|---|---|---|---|---|
| ANZ →Bank · checked 10 Nov 2026 | NZ$0 in goMoney or Internet Banking (ANZ says this is a current fee offer) | NZ$15 in a branch or by phone | An ANZ "OUR Fee" may apply to foreign-currency payments; the page gives no amount No OUR Fee when you send AUD to Australia online. | ANZ converts at its own exchange rate; the page does not state the margin |
| BNZ →Bank · checked 10 Nov 2026 | No charge to send foreign currency online; NZ$5 to send NZ dollars | NZ$25 staff-assisted | BNZ covers the correspondent bank fee on online foreign-currency payments; NZ$12 for "Charges Our" on NZD payments | "BNZ includes a margin on foreign exchange conversions"; the size is not stated |
| ASB →ASB Guide to fees, 15 Sep 2026 | NZ$5 in FastNet Classic internet banking | NZ$30 at an ASB Advice Centre | Choose "Sender to Pay" and ASB adds an Other Bank Fee (NZ$5 to NZ$25 by currency); choose "Recipient to Pay" and fees will likely come out of the payment Sender to Pay: NZ$7.50 to a CBA account, NZ$20 to other Australian accounts. | The fee guide does not state ASB's exchange-rate margin |
| Westpac →Westpac personal fees, effective 10 Nov 2026 | NZ$0 in Westpac One in a foreign currency; NZ$5 in NZ dollars | NZ$30 staff-assisted | NZ$25 for the OUR charge option; other banks may still deduct fees | The fee brochure does not state Westpac's exchange-rate margin |
| Kiwibank →Kiwibank Fees & Limits, effective 14 May 2026 | NZ$10 in internet banking with SHA charges; NZ$20 with OUR | NZ$25 in a branch or by email (SHA); NZ$35 (OUR) | SHA: overseas bank fees come out of the payment. OUR: you pay them, though the recipient may still be charged | The brochure does not state Kiwibank's exchange-rate margin |
| Wise →Transfer service · checked 10 Nov 2026 | NZ$1,000 paid by bank transfer: recipient gets A$809.64 (mid-market rate 0.8128 AUD per NZ$1, Wise converter, read 11 Nov 2026) | — | — | Wise says it uses the mid-market rate, with a fee discount on transfers over NZ$44,000 |
| Remitly →Transfer service · checked 10 Nov 2026 | NZ$3.99 fee (NZ$1,000). First transfer: fee waived and 0.8126 AUD per NZ$1 on the first NZ$1,000; the page shows no standard rate | — | — | Remitly quotes its own rate; new customers get a better rate or no fee on their first transfer |
| OFX →Transfer service · checked 10 Nov 2026 | NZ$12 on transfers under NZ$10,000; no transfer fee from NZ$10,000 | — | Third-party banks may deduct a fee before paying your recipient; OFX gets none of it | OFX says its rate is the market rate plus its margin, shown before you confirm; new customers get an introductory rate on a first online transfer |
Fees as published on each provider's page or fee brochure, read on 10 Nov 2026. Fees change, and the overseas bank or the recipient's bank may charge too. None of these links are affiliate links.
Before fees and margins
How many Australian dollars do NZ dollars buy at the mid-market rate?
The amounts below use the European Central Bank reference rate for 11 Nov 2026. No bank or transfer service pays out at this rate: the amount that arrives will be lower once its margin and fee are taken off. Use it to see how far below the mid-market rate a quote is.
- A$407NZ$500 at the mid-market rate
- A$814NZ$1,000 at the mid-market rate
- A$4,070NZ$5,000 at the mid-market rate
- A$8,140NZ$10,000 at the mid-market rate
Three costs
How do the costs of a transfer to Australia add up?
Compare the amount that arrives in AUD, not the fee alone. A transfer with no fee can still cost more if the exchange rate is further from the mid-market rate.
- 1
What is the transfer fee?
The transfer fee is a flat charge per payment. ANZ, BNZ and Westpac charge nothing to send foreign currency online, ASB charges NZ$5 and Kiwibank NZ$10 to NZ$20. All five charge more in a branch or with staff help.
- 2
What is the exchange-rate margin?
The exchange-rate margin is the gap between the mid-market rate and the rate the provider converts your NZ dollars at. None of the five main NZ banks states its margin on its fee page or brochure, so check the AUD amount on the quote.
- 3
Do overseas banks charge too?
Yes. Banks along the way, and the recipient's bank, may take a fee from the payment. BNZ says it covers the correspondent bank fee on online foreign-currency payments; ANZ may add an "OUR Fee".
This page lists published fees. It doesn't recommend a provider or tell you when to send. Every provider's general fees are on send money overseas. See what the banks expect for NZD/AUD, or compare sending to India, the UK, the Philippines, the US, China, South Africa, South Korea, Samoa, Tonga or Fiji.
FAQ
What else do people ask about sending money to Australia?
Straight answers, with the source and date for every figure.
What is the cheapest way to send money from NZ to Australia?
It depends on how much you send, because the total cost is the fee plus the exchange-rate margin. When we checked on 10 Nov 2026, ANZ charged no fee to send AUD to Australia online and BNZ charged none to send foreign currency online. Neither publishes its margin, so compare the Australian dollar amount each quote gives you against the mid-market rate (A$0.8140 per NZ$1 on 11 Nov 2026).
Do NZ banks charge a fee to send money to Australia?
On 10 Nov 2026, ANZ's fee was NZ$0 in goMoney or Internet Banking and NZ$15 in a branch or by phone, with no OUR Fee on AUD sent to Australia online. BNZ charged nothing to send foreign currency online, NZ$5 to send NZ dollars and NZ$25 with staff help. Westpac charged NZ$0 in Westpac One in a foreign currency (brochure effective 10 Nov 2026), ASB NZ$5 in FastNet Classic (guide dated 15 Sep 2026) and Kiwibank NZ$10 in internet banking with SHA charges (brochure effective 14 May 2026).
What exchange rate do I get when I send NZ dollars to Australia?
The provider's own rate, which is below the mid-market rate. The five main NZ banks convert at their own rates and don't publish the margin; Wise says it uses the mid-market rate and charges a separate percentage fee; on 11 Nov 2026 its converter showed A$809.64 arriving from NZ$1,000 paid by bank transfer. Remitly charged a NZ$3.99 fee on NZ$1,000 and offered new customers A$0.8126 per NZ$1 on their first NZ$1,000; its page showed no standard rate. The ECB mid-market rate was A$0.8140 per NZ$1 on 11 Nov 2026.