Here you’ll find answers to the most common questions about New Zealand dollar (NZD) transfers.
Sending to NZD
Who can I send NZD to?
You can send NZD to any individual or business bank account in New Zealand.
What information do I need about my recipient?
You’ll need their full name and 15–16 digit bank account number. This is made up of a 2-digit bank code, 4-digit branch code, 7-digit account number and 2–3 digit suffix.
How much can I send?
You can send up to 2 million NZD per transfer.
How long does it usually take for the money to arrive?
Once we receive and convert your money, it usually takes 0–1 working days to arrive in your recipient’s bank account. Conversion can take up to 2 working days.
We’ll always give you an estimate for how long your transfer will take when you set it up.
Learn more about how long transfers take
Sending from NZD
How can I pay for my transfer from NZD?
There are 4 ways to send money from NZD:
How much can I send?
We’ve temporarily lowered how much you can send from NZD for personal customers. You can now send up to 280,000 NZD per transfer. Learn why on our blog.
Businesses can send up to 2.2 million NZD by bank transfer and POLi, although your bank might not let you send so much in one go.
You can send up to 10,000 NZD by card.
Where can I send from?
You can only send NZD to Wise from banks within New Zealand. You can’t send NZD by SWIFT.
How long does it usually take for the money to arrive?
It usually takes 0–2 working days for your money to get to us, depending on how you pay for your transfer. Then, we convert it and send it out. Conversion can take up to 2 working days.
Check the guide for the currency you’re sending to for an estimate on how long it will take to arrive in your recipient’s account after we send it out.
I’ve cancelled my payment, how long will my refund take?
We’ll let you know when we’ve refunded your money. The time it takes for you to get your refund depends on how you paid,
Card payments take 2–10 working days
POLi payments take 1–2 working days
Bank transfers take 1–2 working days
Make sure to wait until the above time frame has passed before getting in touch about a refund — we’re not able to speed up the process.