International money transfers
Join over 10 million people who choose Wise for fast and secure online money transfers. Save up to 11x when sending money abroad
Should arrive by Friday
Save on exchange rate markups
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) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 583.73 USD | ||||||||||
Transfer fee 4.46 NZD Exchange rate(1 NZD USD) 0.586350 Exchange rate markup 0 NZD Cost of transfer 4.46 NZD | |||||||||||
 | 577.33 USD- 6.40 USD | ||||||||||
Transfer fee 0 NZD Exchange rate(1 NZD USD) 0.577332 Exchange rate markup 15.38 NZD Cost of transfer 15.38 NZD | |||||||||||
 | 576.39 USD- 7.34 USD | ||||||||||
Transfer fee 0 NZD Exchange rate(1 NZD USD) 0.576395 Exchange rate markup 16.98 NZD Cost of transfer 16.98 NZD | |||||||||||
 | 573.41 USD- 10.32 USD | ||||||||||
Transfer fee 5 NZD Exchange rate(1 NZD USD) 0.576293 Exchange rate markup 17.15 NZD Cost of transfer 22.15 NZD | |||||||||||
 | 572.62 USD- 11.11 USD | ||||||||||
Transfer fee 5 NZD Exchange rate(1 NZD USD) 0.575493 Exchange rate markup 18.52 NZD Cost of transfer 23.52 NZD | |||||||||||
Send money abroad 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.
Get dedicated support for large transfers
Moving big money? Get our how to guide and start a chat with our team of large-amount experts.
Get started with large transfersHow to send money abroad
How to send money abroad
- Just tap in how much, and where to.
- Then make a local payment to Wise, whether it's with a bank transfer, Swift or your debit or credit card.
- And that's it.
Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.
How much does it cost to send money abroad?
Pay a small, flat fee and percentage
To send money in NZD to USD, you pay a small, flat fee of 1.77 NZD + 0.27% of the amount that's converted (you'll always see the total cost upfront). See our transfer calculator.
Fee depends on your chosen transfer type
Some transfer types have different fees which are usually tiny.
No hidden fees
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
How long will a money transfer take?
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 FridayHow to send money with Wise
Register for free.
Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
Choose an amount to send.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
Add recipient’s bank details.
Fill in the details of your recipient’s bank account.
Verify your identity.
For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.
Pay for your transfer.
Send your money with a bank transfer, POLi, or a debit or credit card.
That’s it.
We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.
Best 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 abroad with the Wise app
Looking for an app to send money abroad? Send money, receive payments from abroad, check exchange rates – all in one 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
- United States dollarRouting number, Swift/BIC, Account number and Account typeGet USD account details
- United Arab Emirates dirham
- Australian dollar
- Bangladeshi taka
- Bulgarian lev
- Canadian dollar
- Swiss franc
- Chilean peso
- Chinese yuan
- Costa Rican colón
- Czech koruna
- Danish krone
- Egyptian pound
- Euro
- British pound
- Georgian lari
- Hong Kong dollar
- Hungarian forint
- Indonesian rupiah
- Israeli shekel
- Indian rupee
- Japanese yen
- Kenyan shilling
- South Korean won
- Sri Lankan rupee
- Moroccan dirham
- Mexican peso
- Malaysian ringgit
- Nigerian naira
- Norwegian krone
- Nepalese rupee
- New Zealand dollar
- Philippine peso
- Pakistani rupee
- Polish złoty
- Romanian leu
- Swedish krona
- Singapore dollar
- Thai baht
- Turkish lira
- Tanzanian shilling
- Ukrainian hryvnia
- Ugandan shilling
- United States dollar
- Uruguayan peso
- Vietnamese dong
- West African CFA franc
- South African rand
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.
