Send money online
Send money online from our website or mobile app, in just a few clicks.
Should arrive by Monday, September 30
Find out how much it costs to send money online
The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.
At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.
How do we select providers and collect this data?| Sending 1,000 NZD with | Recipient gets(Total after fees) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 631.52 USD | ||||||||||
Transfer fee 4.46 NZD Exchange rate(1 NZD USD) 0.634350 Exchange rate markup 0 NZD Cost of transfer 4.22 NZD | |||||||||||
 | 623.85 USD- 7.67 USD | ||||||||||
Transfer fee 0 NZD Exchange rate(1 NZD USD) 0.623854 Exchange rate markup 16.31 NZD Cost of transfer 16.31 NZD | |||||||||||
 | 622.17 USD- 9.35 USD | ||||||||||
Transfer fee 0 NZD Exchange rate(1 NZD USD) 0.622171 Exchange rate markup 18.97 NZD Cost of transfer 18.97 NZD | |||||||||||
 | 617.90 USD- 13.62 USD | ||||||||||
Transfer fee 5 NZD Exchange rate(1 NZD USD) 0.621008 Exchange rate markup 20.80 NZD Cost of transfer 25.80 NZD | |||||||||||
 | 595.54 USD- 35.98 USD | ||||||||||
Transfer fee 6.99 NZD Exchange rate(1 NZD USD) 0.599735 Exchange rate markup 54.34 NZD Cost of transfer 61.33 NZD | |||||||||||
Send money online in 3 easy steps
Enter amount to send in NZD.
Pay in NZD with your debit card or credit card, or send the money from your online banking.
Choose recipient .
Select who you want to send money to and which pay-out method to use.
Send NZD, receive USD.
The recipient gets money in USD directly from Wise’s local bank account.
Online money transfer fees
How much does it cost to send money online?
To send money online with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.
You can use our handy calculator to find out exactly how much will you pay for your transfer. The cost depends on where you will be sending money from and to, as well as on your chosen payment method.
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Delivery time for online money transfers from New Zealand
On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.
Sometimes, different payment methods or routine checks may affect the transfer delivery time. We’ll always keep you updated, and you can track each step in your account.
Your transfer route
Should arrive
by Monday, September 30Best ways to send money internationally
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.Credit Card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Protecting you and your money
Safeguarded with leading banks
We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.
Extra-secure transactions
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
Data protection
We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.
Dedicated anti-fraud team
We work round the clock to keep your account and money protected from even the most sophisticated fraud.
Send money online with the Wise app
Looking for an app to send money online? Sending money is easy with Wise app.
- Cheaper transfers abroad - free from hidden fees and exchange rate markups.
- Check exchange rates - see on the app how exchange rates have changed over time.
- Repeat your previous transfers - save the details, and make your monthly payments easier.
Wise works nearly everywhere
See why customers choose Wise for their international money transfers
It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it. Read our reviews at Trustpilot.com.
