Complete Guide to using Ria Money Transfer in New Zealand
Send money worldwide with Ria Money Transfer: this guide for NZ residents covers how to send money overseas, Ria's transfer fees, and exchange rates.
Are you a New Zealander looking for a smarter way to spend money abroad or shop online in foreign currencies? The Wise card might be just what you need. In this comprehensive review, we'll explore how the Wise card works, its benefits for New Zealand residents, and how it compares to traditional banking options.
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The Wise card is a debit card that's linked to your Wise multi-currency account. It allows you to spend money around the world for spending and withdrawals at the mid-market exchange rates, with no foreign transaction fees, and no account maintenance charges. For Kiwis who travel frequently, shop internationally, or deal with multiple currencies, it's a game-changer.
Wise account holders in New Zealand (and other supported countries) are able to order a physical Wise card for a one-time fee to make in person payments and ATM withdrawals, and also generate an instant digital card you can use for online spending.
Getting a Wise card can help you save money and spend conveniently in foreign currencies - when you shop online and when you travel. Let’s move on in our Wise debit card review, to take a look at some of the key benefits of using Wise for NZ residents.
Hold and spend in multiple currencies: Keep your money in NZD and 40+ other currencies in your Wise account.
Mid-market exchange rate: Without any hidden markups on the currency conversion rate you usually see on Google.
Low, transparent fees: Clear fee structure with no hidden charges.
ATM withdrawals: Up to NZD 350 per month, with 2 or less withdrawals for free, small fee after that.
Digital cards: Instantly get new card details for secure online shopping.
Apple Pay and Google Pay integration: Use your Wise card with popular digital wallets.
Freeze/unfreeze instantly: Easily control your card security through the app.
Wise card is safe to use, and comes with plenty of smart security features so you can keep track of your money on the move. Using a card for spending and withdrawals when you’re travelling is far safer than carrying large amounts of cash - and having a separate account for your foreign currency spending can also boost security and help you manage your holiday budget more easily.
Here are some of the Wise card security features you can expect:
Learn more about why Wise is safe to use in New Zealand.
There are no maintenance or other additional ongoing fees when you use a Wise card - just low transaction charges based on how you use your card.
Here’s a rundown of the key fees you’ll pay to order and use a Wise card from NZ. You can also get a full fee schedule on the Wise New Zealand pricing page.
Service | Wise card NZ fee |
---|---|
Order a Wise card | NZD 14 |
Optional express delivery | NZD 17.40 |
Wise virtual card | No fee |
Monthly fee/annual fee | No fee |
Spend a currency you hold | No fee |
Currency conversion when spending a currency you don’t hold | From 0.33% |
Currency exchange rate | Mid-market rate with no markups. |
International ATM withdrawals | 2 withdrawals to the value of NZD 350 / month free; 1.75% + NZD 1.50 after that |
Replace a lost or damaged Wise card | NZD 10 |
Replace an expiring Wise card | No fee |
Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.
Finally let’s look at how to order and how to activate your Wise card in NZ. Here’s a step-by-step guide to ordering a Wise card for New Zealand residents:
When you get your Wise card you’ll need to activate it for contactless spending. All you need to do is to make a regular card purchase and enter your PIN in the terminal, or use your card in an ATM for a balance enquiry.
We mentioned you need to complete a verification step to open your Wise account and order a Wise card. This is a legal requirement and part of how Wise keeps your money safe. It’s also an easy process you can do with nothing more than your phone.
To get verified in New Zealand you can use your passport, New Zealand driver's licence, New Zealand's firearms licence (as long as it contains a photo) or national ID card (front and back). You'll also need to upload a proof of address document.
Learn more from our help centre
For New Zealanders who frequently deal with foreign currencies, whether for travel, online shopping, or international business, the Wise card offers significant advantages. With its transparent fees, mid-market exchange rates, and user-friendly platform, it's a powerful tool for managing money across borders.
the costs of spending overseas with a bank card.
Use Wise to hold 40+ currencies, spend in 150+ countries, and get the Wise auto conversion feature to switch to the currency you need with the lowest available fees every time.
Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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