Send Money to UK from New Zealand | Best NZD-GBP Exchange Rates

11 of 11 providers

Last updated on 23 June 2026

Based on 10,000 NZD transfer

Best companies for NZD/GBP transfers

Promoted

Wise

Pay via Bank transfer

Fee $31.10 1 NZD = 0.4299 GBP -0.02% vs mid-market

Recipient gets £4,285.83 Within minutes

Send money now

25 reviews

Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money with Wise when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositWithin minutes	$10,000.00	$31.10	£4,285.83

Promoted

Pay via Bank transfer

Fee $0.00 1 NZD = 0.4250 GBP +1.13% vs mid-market

Recipient gets £4,250.20 Minutes - 24 hours

Send money now

4 reviews

Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money with Xe when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 24 hours	$10,000.00	$0.00	£4,250.20

Click here to run a live search

Showing top New Zealand to United Kingdom deals for 10,000 NZD. Do a live search with your exact amount for today's best rates.

Wise

Pay via Bank transfer

Fee $31.10 1 NZD = 0.4299 GBP -0.02% vs mid-market

Recipient gets £4,285.83 Within minutes

Send money now

25 reviews

CheapestRecommended

Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money with Wise when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositWithin minutes	$10,000.00	$31.10	£4,285.83

TorFx

Pay via Bank transfer

Fee $0.00 1 NZD = 0.4285 GBP +0.30% vs mid-market

Recipient gets £4,285.37 Minutes - 24 hours

Send money now

2 reviews

Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money with TorFx when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 24 hours	$10,000.00	$0.00	£4,285.37

OFX

Pay via Bank transfer

Fee $0.00 1 NZD = 0.4277 GBP +0.50% vs mid-market

Recipient gets £4,276.77 Minutes - 24 hours

Send money now

7 reviews

Personal account managerReceive to bank account

Ways to receive money with OFX when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 24 hours	$10,000.00	$0.00	£4,276.77

Currencies Direct

Pay via Bank transfer

Fee $0.00 1 NZD = 0.4274 GBP +0.57% vs mid-market

Recipient gets £4,274.00 Minutes - 24 hours

Send money now

3 reviews

Personal account managerMulti-currency cardReceive to bank account

Ways to receive money with Currencies Direct when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 24 hours	$10,000.00	$0.00	£4,274.00

Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer

Fee $55.00 1 NZD = 0.4294 GBP +0.10% vs mid-market

Recipient gets £4,270.76 Within minutes

Send money now

10 reviews

Fastest

Multi-currency cardReceive to bank account

Ways to receive money with Revolut when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositWithin minutes	$10,000.00	$55.00	£4,270.76

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.

CurrencyFair

Pay via Bank transfer

Fee $5.82 1 NZD = 0.4269 GBP +0.68% vs mid-market

Recipient gets £4,267.00 Minutes - 24 hours

Send money now

3 reviews

Receive to bank account

Ways to receive money with CurrencyFair when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 24 hours	$10,000.00	$5.82	£4,267.00

Orbit Remit

Pay via Bank transfer

Fee $0.00 1 NZD = 0.4266 GBP +0.75% vs mid-market

Recipient gets £4,266.02 Minutes - 3 days

Send money now

0 reviews

Ways to receive money with Orbit Remit when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 3 days	$10,000.00	$0.00	£4,266.02

Lumon

Pay via Bank transfer

Fee $0.00 1 NZD = 0.4255 GBP +1.00% vs mid-market

Recipient gets £4,255.28 Minutes - 2 days

Send money now

0 reviews

Ways to receive money with Lumon when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 2 days	$10,000.00	$0.00	£4,255.28

Pay via Bank transfer

Fee $0.00 1 NZD = 0.4250 GBP +1.13% vs mid-market

Recipient gets £4,250.20 Minutes - 24 hours

Send money now

4 reviews

Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money with Xe when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 24 hours	$10,000.00	$0.00	£4,250.20

Moneycorp

Pay via Bank transfer

Fee $0.00 1 NZD = 0.4238 GBP +1.40% vs mid-market

Recipient gets £4,238.08 Minutes - 2 days

Send money now

0 reviews

Ways to receive money with Moneycorp when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 2 days	$10,000.00	$0.00	£4,238.08

Pay via Debit card

Fee $40.00 1 NZD = 0.4250 GBP +1.13% vs mid-market

Recipient gets £4,233.20 Minutes - 24 hours

Send money now

4 reviews

Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money with Xe when paying by Debit card.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 24 hours	$10,000.00	$40.00	£4,233.20

Pay via Credit card

Fee $90.00 1 NZD = 0.4250 GBP +1.13% vs mid-market

Recipient gets £4,211.95 Minutes - 24 hours

Send money now

4 reviews

Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money with Xe when paying by Credit card.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 24 hours	$10,000.00	$90.00	£4,211.95

HSBC

Pay via Bank transfer

Fee $10.00 1 NZD = 0.4159 GBP +3.25% vs mid-market

Recipient gets £4,154.41 Minutes - 5 days

Send money now

0 reviews

Ways to receive money with HSBC when paying by Bank transfer.

Method	You send	Fees	Recipient gets
Bank depositMinutes - 5 days	$10,000.00	$10.00	£4,154.41

How Our Results Work

Mid-market rate: 1 NZD = 0.429826 GBP Updates every 60 minutes.

Why compare

NZD/GBP exchange rate

Best ways to pay & receive

Transfer speed

Historic NZD/GBP options

Overall best way: Wise

Wise is our recommended company for NZD to GBP transfers.

Wise scored the highest of the 10 money transfer companies supporting NZD to GBP transfers.

For example, sending 10,000 NZD to GBP will cost you $31.1 in fees, and the recipient will get 4,285.83 GBP. The delivery time is same day.

For a great mix of cost, speed & features, we suggest trying Wise for your New Zealand to United Kingdom transfer.

How to compare companies offering money transfers from New Zealand to United Kingdom

Always compare rates

Use our live comparison tool to make sure you aren't missing the best rates to send money from New Zealand to the United Kingdom. This ensures the best price.

Choose a provider

Select the company that offers you the best value & options for sending to the United Kingdom.

Click, sign up & send

Considerations for sending money from New Zealand to United Kingdom

Compare providers

Always compare ways to send money from New Zealand to the United Kingdom to get the best options for fees, speed, and reliability.

Our analysis included 10 providers that operate between New Zealand and United Kingdom.

Through this, you get a comprehensive view of all the options you have in New Zealand when you need to send money to the United Kingdom.

Track the New Zealand Dollar-Pound Sterling exchange rate

The exchange rate determines how many NZD the recipient will get in United Kingdom when you send New Zealand Dollar.

Today, the average exchange rate between New Zealand Dollar and Pound Sterling is 0.4294. The company offering the best exchange rate is Wise.

The NZD-GBP rate fluctuates constantly, so timing your transfer to the United Kingdom can help you save a lot of money.

Sometimes, waiting a day or two can help you get more GBP for the same amount of NZD. You can also opt for a forward contract to lock in rates between New Zealand and the United Kingdom.

Choose the right payment method

A bank transfer is the most cost effective option for sending money from New Zealand to the United Kingdom. The company offering the best bank transfer price is Wise.

This is 0.01% cheaper than the second-best option in the market.

Use regulated providers

Always choose providers that are regulated by financial authorities to ensure funds are safe when transferring from New Zealand to United Kingdom.

If you don’t know what the key regulatory bodies for money transfers are between New Zealand and the United Kingdom, please refer to our directory of financial regulators worldwide.

Consider transfer limits

Some services have limits on how much you can transfer from New Zealand to the United Kingdom. This applies when receiving money in the United Kingdom as well.

Different companies will offer different rates or lower fees for different transfer amounts.

For example, we recommend using Wise if you need to send large amounts of NZD to United Kingdom.

This being said, always check with the recipient and understand any declarations needed on large amounts of money leaving New Zealand, or entering United Kingdom.

How to receive money in United Kingdom

There are different ways to receive money in the United Kingdom. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account.

If you (or the recipient) want a direct transfer to your bank account, Wise is the best money transfer company for bank transfers between New Zealand and United Kingdom.

And if you need cash right away, check if cash pickup is an option for transfers between New Zealand and United Kingdom.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Wise.

Have your ID ready

When you're sending or receiving money between New Zealand and the United Kingdom, you have to be ready to show some ID.

The exact documents you need might vary. Usually in New Zealand this will be a government ID like a passport or driver's license. This will be similar if you need to open an account or collect cash in the United Kingdom.

If you're making a big transaction between New Zealand and the United Kingdom, a provider may ask you for proof of address or may want to know where your money comes from.

Wise is a great option for sending from New Zealand as the sign up process is pretty straightforward, even for larger transactions.

Don't forget about taxes

When sending large amounts of money between New Zealand to the United Kingdom there will be tax implications to consider.

Some NZD-GBP transfers may need to be reported to tax authorities, particularly where inheritance or property sales are involved.

Tax limits and personal allowances differ in the United Kingdom based on age, income and a few other elements. When in doubt, please contact a tax professional in New Zealand or United Kingdom to discuss your personal circumstances.

Cheapest way to transfer money to the United Kingdom from New Zealand: Wise

Wise offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending New Zealand Dollar to the United Kingdom.

Of the 10 providers compared, data shows that Wise is 0.01% cheaper than the second-best option.

The is cost is made up of an average NZD-GBP exchange rate that is -0.02% different to the mid-market rate and an average fee of 31.1* NZD.

If you want to secure the best rates on a NZD to United Kingdom transfer, Wise will result in the most Pound Sterling received.

Fastest way to transfer money to United Kingdom from New Zealand: Revolut.

Of 10 companies compared, Revolut offers the quickest way to send New Zealand Dollars to the United Kingdom.

For example, sending $10,000 to United Kingdom with Revolut will be within minutes.

But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

New Zealand to the United Kingdom transfers with Revolut have a fee of 55 NZD.

To test that Revolut was the 'fastest' option we compared 10 providers. With this, we compared overall speed of sending money from New Zealand to the United Kingdom made up of depositing New Zealand Dollars, to a money transfer account and transfer times to the United Kingdom.

When sending at speed is a priority, Revolut is our recommended choice for sending into United Kingdom from New Zealand.

The best apps to send NZD to United Kingdom from New Zealand

Most money transfer companies have apps you can use to send money abroad.

We've compared and analyzed over 10 apps & companies for NZD/GBP transfers and these are the best apps we found. All these apps are available on iOS and Android for free.

App	Rating	Mobile wallet
Currencies Direct App	iOS: 4.8 / 4.4K reviews Android: 4.7 / 2.09K reviews	Yes (21 currencies)
CurrencyFair App	iOS: 4.6 / 951 reviews Android: 3.7 / 1.06K reviews	Yes (17 currencies)
OFX App	iOS: 4.8 / 2.6K reviews Android: 4.4 / 4.19K reviews	Yes (30+ currencies)
Remitly App	iOS: 4.9 / 2.3M reviews Android: 4.8 / 1.29M reviews	Yes (Remitly One)
TorFx App	iOS: 4.7 / 106 reviews Android: 4.8 / 835 reviews	No
Wise App	iOS: 4.8 / 158K reviews Android: 4.8 / 1.52M reviews	Yes (40+ currencies)
Xe App	iOS: 4.8 / 108.4K reviews Android: 4.8 / 346K reviews	No
Revolut	iOS: 4.9 / 936K reviews Android: 4.8 / 3.64M reviews	Yes (39 currencies)

Need to make a large transfer to the UK? Use Currencies Direct

For larger transfers, competitive pricing & strong customer service are key.

Opt for a service proven with large transfers when size matters. For large payments to the UK, your top option is Currencies Direct.

While Currencies Direct may not always be the cheapest or fastest way to send NZD to the UK, they will ensure your money is safe and give you peace of mind while your money moves to United Kingdom.

Visit Currencies Direct

Tax implications on transfers from New Zealand and into the UK

When receiving money in the UK from New Zealand, the recipient should be aware of any legal and tax implications of the transfer.

Depending on the type of transfer being received, obligations in the UK will differ.

There are also potential tax reliefs that those receiving money in the UK from New Zealand should be aware of.

These are:

Type of Income/Tax	Declaration or Relief	Details	Monetary Values
Employment Income	Declaration	Salary or wages received from abroad are subject to UK income tax.	Tax rates: 20%, 40%, 45% based on income.
Self-Employment Income	Declaration	Payments from clients abroad are subject to UK income tax.	Tax rates: 20%, 40%, 45% based on income.
Pension Income	Declaration	Overseas pensions are subject to UK income tax, with possible exemptions depending on tax treaties.	Variable based on pension income.
Foreign Investments	Declaration & Relief	Gains from selling overseas assets are subject to capital gains tax, with relief under double taxation agreements.	Tax-free allowance: £12,300 (2023-2024). Tax rates: 10% or 20%.
Gifts and Inheritances	Declaration	Subject to UK inheritance tax, especially if the deceased was a UK domicile.	Threshold: £325,000. Tax rate: 40% above threshold.
Foreign Dividends	Declaration & Relief	Subject to UK income tax, with possible relief for foreign tax paid.	Tax-free dividend allowance: £1,000. Tax rates: 8.75%, 33.75%, 39.35%.
Foreign Interest	Declaration & Relief	Interest from foreign accounts is subject to UK income tax, with possible relief for foreign tax paid.	Tax-free savings allowance: £1,000 (basic rate), £500 (higher rate).
Double Taxation Relief	Relief	Relief against UK tax liability for foreign tax paid on the same income.	Varies based on foreign tax paid.
Remittance Basis (Non-Domiciled)	Declaration & Relief	Tax on foreign income and gains only if brought into the UK, with specific rules and charges.	Annual charge: £30,000 (residents of 7 out of 9 years), £60,000 (residents of 12 out of 14 years).
Reporting Requirements	Declaration	All foreign income and gains must be reported to HMRC via self-assessment tax return.	Penalties and interest for non-compliance.

Understanding the cost of sending money from New Zealand to United Kingdom

Ensuring a strong combination of fees and exchange rates ensures the best deal on money transfers from New Zealand to the United Kingdom.

The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Pound Sterling for your New Zealand Dollar. The current NZD-GBP mid-market rate is 0.4294 GBP per New Zealand Dollar.

This rate changes regularly so it can pay to track it. For comparison, the NZD-GBP mid-market rate for the past 7 days has averaged 0.4335 GBP per New Zealand Dollar, with a low of 0.4298 and a high of 0.4354.
Wise is currently offering the best exchange rate from the 10 companies compared.
Often the NZD-GBP exchange rate you pay is the biggest cost factor when transferring New Zealand Dollars to the United Kingdom.

Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of New Zealand Dollar you’re sending to the United Kingdom. Wise currently has the lowest fees for transfers into GBP of just 31.1 NZD. We always recommend searching for your exact send amount for an exact fee.

Amount Received: The amount received in Pound Sterling is the biggest indicator of the total cost of sending money to the United Kingdom from New Zealand. The bigger the amount received in the United Kingdom, the lower the overall cost of sending from New Zealand.

How to find the best exchange rate for New Zealand Dollar to Pound Sterling

Timing is essential for sending money between NZD and GBP. The exchange rate you secure impacts how much GBP you get for your NZD.

Mid-market rate:1 NZD = 0.429411 GBP

Paying for your New Zealand to United Kingdom transfer

Bank transfers

Paying via a bank transfer is often the better option for sending money from New Zealand to the United Kingdom.

By using a money transfer company such as Wise for transfers from New Zealand to the United Kingdom, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank.  

On average, Wise is the cheapest provider for bank transfers from the 10 we tested when sending NZD to the United Kingdom.

With a fee of 31.1 NZD to send money from New Zealand to the United Kingdom, Wise offers the best combination of competitive exchange rates and lower fees. 

Debit and prepaid cards

Sending money from New Zealand to the United Kingdom with a debit or a prepaid card is easy with Xe. 

Xe is a one of the better options in the market for international debit card transfers from New Zealand to the United Kingdom.

Credit cards

Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

We recommend using a bank transfer or a debit card transfer if you can; otherwise, .

Be aware of fees: using a credit card to transfer money can mean being charged for a cash advance by your card provider. We always recommend a bank transfer or debit card payment if it is a possibility.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between United Kingdom and New Zealand. 

Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from New Zealand to United Kingdom. 

We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send NZD to GBP. 

For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy and review methodology.

Related transfer routes

Send money from New Zealand

Send money to United Kingdom

FAQs

How much money can be transferred from New Zealand to United Kingdom?

The amount of GBP you can receive from New Zealand will vary depending on which provider you use. Some providers specialize in smaller transfers, while others are more suited to large transfers.

You should also check if there are any government regulations around how many GBP can be received in United Kingdom before making your transfer.

Are there any tax implications to sending money from New Zealand to United Kingdom?

Each country will have its own set of tax laws and rules for receiving money from abroad. Pound Sterlings or New Zealand Dollars sent for business purposes between could be taxed as foreign income. If you’re looking to receive a large amount of Pound Sterlings from abroad, you should check how much you can receive in United Kingdom without paying taxes. If you're not sure how the tax process works locally, contact your local tax office or speak to a tax professional.

Can I send money from New Zealand to United Kingdom with MoneyTransfers.com?

No. MoneyTransfers.com is a comparison website aiming to match you with the best money transfer providers to transfer money online between New Zealand, United Kingdom, and many other countries.

What are the typical transfer fees for sending New Zealand Dollars to United Kingdom through various providers?

Transfer fees can vary significantly depending on your chosen provider. That's why you should compare the fees of different services to ensure you get the best deal when sending New Zealand Dollars to United Kingdom.

Our data shows that the cheapest way to send money online between New Zealand and United Kingdom is Wise.

Over the past week, the most common transfer fee applied by Wise for NZD to GBP transactions has been $31.1. This is 0.01% less than the second-best option available.

How long does it take to send money from New Zealand to United Kingdom?

The delivery time for international transfers can vary. Some services offer instant or same-day transfers, while others might take several business days. The speed may also depend on the NZD and GBP transaction volumes.

According to our data, the fastest way to send money online between New Zealand and United Kingdom is Revolut.

What is the best exchange rate I can get for sending money from New Zealand to United Kingdom?

Exchange rates fluctuate frequently. To get the best rate for converting NZD to GBP, compare the rates offered by different providers against the mid-market rate. Right now, the NZD to GBP is 0.4294.

Are there any minimum or maximum transfer amounts for sending money from New Zealand to United Kingdom?

Providers often set minimum and maximum transfer limits. These can vary significantly, so it’s worth checking what limits apply for transfers from New Zealand to United Kingdom before proceeding.

Can I schedule regular transfers between New Zealand and United Kingdom?

Many services allow you to set up scheduled, recurring transfers. This can be especially useful for regular financial commitments across borders.

How to send money to UK from New Zealand with the best NZD-GBP rate

Best companies for NZD/GBP transfers

Transfer details

Overall best way: Wise

How to compare companies offering money transfers from New Zealand to United Kingdom

Always compare rates

Choose a provider

Click, sign up & send

Considerations for sending money from New Zealand to United Kingdom

Compare providers

Track the New Zealand Dollar-Pound Sterling exchange rate

Choose the right payment method

Use regulated providers

Consider transfer limits

How to receive money in United Kingdom

Have your ID ready

Don't forget about taxes

Cheapest way to transfer money to the United Kingdom from New Zealand: Wise

Fastest way to transfer money to United Kingdom from New Zealand: Revolut.

The best apps to send NZD to United Kingdom from New Zealand

Need to make a large transfer to the UK? Use Currencies Direct

Tax implications on transfers from New Zealand and into the UK

Understanding the cost of sending money from New Zealand to United Kingdom

How to find the best exchange rate for New Zealand Dollar to Pound Sterling

Paying for your New Zealand to United Kingdom transfer

Bank transfers

Debit and prepaid cards

Credit cards

How we analyze the market

Related transfer routes

Send money from New Zealand

Send money to United Kingdom

FAQs

Destination guides

Recommendations

Tools & resources