International money transfers
Sound like something you could get used to? Join over 15.6 million people using Wise.
- Zero fees on your first transfer — up to $1,000.
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
Limited time offer for first-time customers only. Available when paying in via debit card or bank account.See Terms & Conditions.
International money transfers
Sound like something you could get used to? Join over 15.6 million people using Wise.
- Zero fees on your first transfer — up to $1,000.
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
Limited time offer for first-time customers only. Available when paying in via debit card or bank account.See Terms & Conditions.
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 50,000 NZD with | Recipient gets(Total after fees) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 41,368.86 AUD | ||||||||||
Transfer fee 119.36 NZD Exchange rate(1 NZD AUD) 0.8294 Exchange rate markup 0 NZD Cost of transfer 119.36 NZD | |||||||||||
 | 40,816.78 AUD- 552.08 AUD | ||||||||||
Transfer fee 5 NZD Exchange rate(1 NZD AUD) 0.8164 Exchange rate markup 780.03 NZD Cost of transfer 785.03 NZD | |||||||||||
 | 40,785.48 AUD- 583.38 AUD | ||||||||||
Exchange rate(1 NZD AUD) 0.8157 Exchange rate markup 822.78 NZD | |||||||||||
 | 40,620.43 AUD- 748.43 AUD | ||||||||||
Exchange rate(1 NZD AUD) 0.8124 Exchange rate markup 1,021.78 NZD | |||||||||||
How to send money 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 your recipient.
Select who you want to send money to and which pay-out method to use.
Send NZD, receive AUD.
The recipient gets money in AUD directly from Wise’s local bank account.
Larger transfers. Lower fees. Premium support.
Pay less when you send over 44,000 NZD or equivalent. Plus get dedicated support from our expert team
How to send money
How to send money
- 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 AUD, you pay a small, flat fee of 1.34 NZD + 0.25% 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 Monday, 27 JulyHow to transfer money
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.Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
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 dollarGet USD account details
Hong Kong dollarSwift/BIC, Account number, Bank code, Branch code and Bank nameGet HKD account details
- United Arab Emirates dirham
Argentine peso- Australian dollar
Bangladeshi taka- Canadian dollar
- Swiss franc
Chilean peso- Chinese yuan
Colombian peso
Costa Rican colón- Czech koruna
- Danish krone
Egyptian pound- Euro
- British pound
Georgian lari
Ghanaian cedi- 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
Peruvian sol- 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- 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.
