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AUD to NZD - Rate Guide

Australian Dollar to New Zealand Dollar exchange rates aren't all the same.

The total cost you are charged by your bank or foreign exchange provider consists of a margin from the interbank mid-rate plus fees. These margins and fees vary significantly for International Money Transfers and Travel Money transactions as shown below.

 

AUD/NZD update & alerts

1 AUD = 1.0396 NZD

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AUD to NZD - Trading Range (90 Day)
14-DAY HIGH (2d)
AUD/NZD at 1.0396 is trading 1.7% below the 90-day average 1.0572 with a range 1.0326 to 1.0834. There are no current rate alerts.
17-Jan-2020 16:NY 21:LON 08:SYD+1d

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AUD/NZD Exchange Rates and Providers Compared

This guide to the Australian Dollar to New Zealand Dollar exchange rate with 90-day chart & alerts, historic rates, forecasts and AUD to NZD comparison tables for foreign transfers and travel money rates and fees on offer by banks and foreign exchange providers. If you want to calculate equivalent amounts in foreign currencies or rate margins then use our AUD/NZD Quick Calculator.

Exchange rates can vary significantly depending on the transaction type (transfer, cash or card), currency pair and amount. The below table shows an example of total costs charged by FX specialists and banks for AUD/NZD International Money Transfers. Costs are calculated against the current interbank mid-rate.

 
Foreign Transfer ProvidersReceive NZD(NZ$)Exchange RateFee AUDTotal CostDeal Links
WorldFirst logo
NZ$10,344
Best Overall
1.034400.5%
OFX (OzForex) logo
NZ$10,313
NZ$31 less
1.03130^0.8%
TorFX logo
NZ$10,168
NZ$176 less
1.016802.19%
Commonwealth Bank (CBA) logo
NZ$10,203
NZ$141 less
1.02096 1.86%
St George Bank logo
NZ$10,179
NZ$165 less
1.0199202.09%
ANZ Bank logo
NZ$10,069
NZ$275 less
1.0087183.15%
Banks - Average Rate
National Australia Bank (nab) logo Westpac logo ANZ Bank logo Commonwealth Bank (CBA) logo St George Bank logo Bank of Queensland logo Bank of Melbourne logo BankSA logo
NZ$10,042
NZ$302 less
1.0062153.4%
BankSA International Money Transfers
BankSA logo
NZ$10,012
NZ$332 less
1.003220.013.69%
Bank of Melbourne International Money Transfers
Bank of Melbourne logo
NZ$10,011
NZ$333 less
1.0032213.7%
Bank of Queensland logo
NZ$9,975.98
NZ$368 less
1.0006304.04%
Westpac logo
NZ$9,945.07
NZ$399 less
0.9965204.34%
National Australia Bank (nab) logo
NZ$9,942.08
NZ$402 less
0.9964224.37%
 
WorldFirst logo
WorldFirst: Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:
Exchange Rate:1.0344 (0.5% from mid-rate)
To Amount (NZD) NZ$10,344
Total Cost:0.5%
Time:12:00 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
Rating:
 
: 4.6/5.0
Reviews:
 
OFX (OzForex) logo
OFX (OzForex): Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:0^ - No fees for BestExchangeRates users (normally $15 for transfers over $10K)
Exchange Rate:1.0313 (0.8% from mid-rate)
To Amount (NZD) NZ$10,313
Total Cost:0.8%
Difference:
NZ$31 NZD less than using WorldFirst
Time:
Rate Fetched: 12:00 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
Rating:
 
: 4.8/5.0
Reviews:
 
TorFX logo
TorFX: Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:0
Exchange Rate:1.0168 (2.19% from mid-rate)
To Amount (NZD) NZ$10,168
Total Cost:2.19%
Difference:
NZ$176 NZD less than using WorldFirst
Time:12:00 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone
Rating:
 
: 4.7/5.0
Reviews:
 
Commonwealth Bank (CBA) logo
Commonwealth Bank (CBA): Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:6
Exchange Rate:1.0209 (1.8% from mid-rate)
To Amount (NZD) NZ$10,203
Total Cost:1.86%
Difference:
NZ$141 NZD less than using WorldFirst
Time:
Rate Fetched: website - Sat Jan 18 2020 11:02:01 GMT+0000 (UTC)
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
 
: 1.2/5.0
Reviews:
 
St George Bank logo
St George Bank: Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:20
Exchange Rate:1.0199 (1.89% from mid-rate)
To Amount (NZD) NZ$10,179
Total Cost:2.09%
Difference:
NZ$165 NZD less than using WorldFirst
Time:
Rate Fetched: website - 12:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
 
: 1/5.0
Reviews:
 
ANZ Bank logo
ANZ Bank: Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:18
Exchange Rate:1.0087 (2.97% from mid-rate)
To Amount (NZD) NZ$10,069
Total Cost:3.15%
Difference:
NZ$275 NZD less than using WorldFirst
Time:
Rate Fetched: website - Sat Jan 18 2020 11:03:04 GMT+0000 (UTC)
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
 
: 3/5.0
Reviews:
 
Banks - Average Rate
Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:15
Exchange Rate:1.0091 (2.93% from mid-rate)
To Amount (NZD) NZ$10,042
Total Cost:3.4%
Difference:
NZ$302 NZD less than using WorldFirst
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
 
BankSA logo
BankSA: Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:20.01
Exchange Rate:1.0032 (3.5% from mid-rate)
To Amount (NZD) NZ$10,012
Total Cost:3.69%
Difference:
NZ$332 NZD less than using WorldFirst
Time:
Rate Fetched: website - 12:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Bank of Melbourne logo
Bank of Melbourne: Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:21
Exchange Rate:1.0032 (3.5% from mid-rate)
To Amount (NZD) NZ$10,011
Total Cost:3.7%
Difference:
NZ$333 NZD less than using WorldFirst
Time:
Rate Fetched: website - 12:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Bank of Queensland logo
Bank of Queensland: Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:30
Exchange Rate:1.0006 (3.75% from mid-rate)
To Amount (NZD) NZ$9,975.98
Total Cost:4.04%
Difference:
NZ$368 NZD less than using WorldFirst
Time:
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
 
: 3/5.0
Reviews:
 
Westpac logo
Westpac: Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:20
Exchange Rate:0.9965 (4.15% from mid-rate)
To Amount (NZD) NZ$9,945.07
Total Cost:4.34%
Difference:
NZ$399 NZD less than using WorldFirst
Time:
Rate Fetched: website - Fri Jan 17 2020 21:30:03 GMT+0000 (UTC)
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
 
: 2/5.0
Reviews:
 
National Australia Bank (nab) logo
National Australia Bank (nab): Foreign Transfer AUD→NZD
From Amount (AUD)A$10,000
Fee:22
Exchange Rate:0.9964 (4.16% from mid-rate)
To Amount (NZD) NZ$9,942.08
Total Cost:4.37%
Difference:
NZ$402 NZD less than using WorldFirst
Time:
Rate Fetched: website - Sat Jan 18 2020 11:05:02 GMT+0000 (UTC)
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
 
: 2.1/5.0
Reviews:
 
Snapshot 01/18/2020 - See full table

Example of the margins and possible savings when you order travel money online with a currency specialist rather than in-person from banks and currency kiosks.

Travel Money ProvidersAmount NZD(NZ$)Exchange RateFee AUDTotal CostDeal Links
Commonwealth Bank (CBA) logo
NZ$1,007.03
Compare
1.0172A$103.13%
St George Bank logo
NZ$1,000.96
NZ$6.07 less
1.0162A$153.72%
Foreign Xchange logo
NZ$1,000.1
NZ$6.93 less
1.0001$10 Home Delivery & AusPost collect3.8%
ANZ Bank logo
NZ$998.61
NZ$8.42 less
1.0087A$103.94%
Bank of Melbourne Foreign Currency
Bank of Melbourne logo
NZ$988.15
NZ$19 less
1.0032A$154.95%
BankSA Foreign Currency
BankSA logo
NZ$988.15
NZ$19 less
1.0032A$154.95%
Westpac logo
NZ$986.54
NZ$20 less
0.9965A$105.1%
 
Commonwealth Bank (CBA) logo
Commonwealth Bank (CBA): Travel Money AUD→NZD
From Amount (AUD)A$1,000
Fee:A$10 AUD (1%)
Exchange Rate:1.0172 (2.15% from mid-rate)
To Amount (NZD) NZ$1,007.03
Total Cost:3.13%
Time:
Rate Fetched: website - Sat Jan 18 2020 11:02:01 GMT+0000 (UTC)
Currency Services:Branch
Delivery/Collect:-
Rating:
 
: 1.2/5.0
Reviews:
 
St George Bank logo
St George Bank: Travel Money AUD→NZD
From Amount (AUD)A$1,000
Fee:A$15 AUD (Minimum fee)
Exchange Rate:1.0162 (2.25% from mid-rate)
To Amount (NZD) NZ$1,000.96
Total Cost:3.72%
Time:
Rate Fetched: website - 12:00 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
 
: 1/5.0
Reviews:
 
Foreign Xchange logo
Foreign Xchange: Travel Money AUD→NZD
From Amount (AUD)A$1,000
Fee:$10 Home Delivery & AusPost collect, No other Fees
Exchange Rate:1.0001 (3.8% from mid-rate)
To Amount (NZD) NZ$1,000.1
Total Cost:3.8%
Time:12:00 Local
Currency Services:Order online. Home Delivery and Australia Post Collection for a flat $10 fee
Delivery/Collect:3 business days
Rating:
 
: 4/5.0
Reviews:
 
ANZ Bank logo
ANZ Bank: Travel Money AUD→NZD
From Amount (AUD)A$1,000
Fee:A$10 AUD (1%)
Exchange Rate:1.0087 (2.97% from mid-rate)
To Amount (NZD) NZ$998.61
Total Cost:3.94%
Time:
Rate Fetched: website - Sat Jan 18 2020 11:03:04 GMT+0000 (UTC)
Currency Services:Branch
Delivery/Collect:-
Rating:
 
: 3/5.0
Reviews:
 
Bank of Melbourne logo
Bank of Melbourne: Travel Money AUD→NZD
From Amount (AUD)A$1,000
Fee:A$15 AUD (Minimum fee)
Exchange Rate:1.0032 (3.5% from mid-rate)
To Amount (NZD) NZ$988.15
Total Cost:4.95%
Time:
Rate Fetched: website - 12:00 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
BankSA logo
BankSA: Travel Money AUD→NZD
From Amount (AUD)A$1,000
Fee:A$15 AUD (Minimum fee)
Exchange Rate:1.0032 (3.5% from mid-rate)
To Amount (NZD) NZ$988.15
Total Cost:4.95%
Time:
Rate Fetched: website - 12:00 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
Westpac logo
Westpac: Travel Money AUD→NZD
From Amount (AUD)A$1,000
Fee:A$10 AUD (1%)
Exchange Rate:0.9965 (4.15% from mid-rate)
To Amount (NZD) NZ$986.54
Total Cost:5.1%
Time:
Rate Fetched: website - Fri Jan 17 2020 21:30:03 GMT+0000 (UTC)
Currency Services:Branch
Delivery/Collect:-
Rating:
 
: 2/5.0
Reviews:
 
Snapshot 01/18/2020 - See full table

AUDNZD blended flags

AUD and NZD in the Markets

When determining the best time to make a foreign exchange transaction, in this case the AUD vs NZD, you should pay attention to the recent market trends for both currencies.

Australian Dollar (AUD)

The threat of proxy war between the US and Iran in Iraq has pared back some of the gains the Aussie had made coming into the New Year.

The Australian dollar had started the new decade strongly climbing to multi-month highs helped along by cooling trade tensions between the United States and China and optimism for global economic growth in the year ahead.

The Aussie broke back over US70 cents on the final day of 2019 — a level not seen since mid year. During December the Australian dollar reversed direction (again) and climbed steadily back up against the US dollar on the back of the strength of the housing market and a market perception that further interest rate cuts were less likely. In November it had been all downhill traffic for the Aussie dropping back from highs close to 70c at the beginning of the month to around 67c against the USD by month end.

At the end of October the AUD had surged to a three month high against the US dollar following the third rate cut in a year by the US Federal Reserve. The gains were mainly due to the fall in the US dollar after the market sensed that US rates are more likely to rise now than fall further.

The RBA also added to the positive sentiment with an optimistic assessment of easing risks from the US-China trade war and Brexit. Accordingly markets are pulling back from bets that the cash rate will drop to 0.5 per cent and the possible start of quantitative easing.

Interestingly, AUD has decoupled from commodity prices in 2019. The price of iron ore (Australia’s largest export) nears multi-year highs while AUD languishes.

Further RBA interest rate cuts this year are now a certainty, and that doesn’t bode well for currency valuations.

For AUD forecasts and predictions read our Australian Dollar Forecasts report.

Read more in the article AUD Forecasts.

 

New Zealand Dollar (NZD)

The threat of proxy war between the US and Iran in Iraq has pared back some of the gains the Kiwi had made coming into the New Year.

In December the New Zealand dollar has climbed back to US$0.66 it's highest value since July.

Against the Australian dollar, jumped to A$0.96 after being as low as A$0.92 in early November before starting a strong recovery upto current levels above A$0.95.

Robbing New Zealand's currency of better gains in 2019 have been reduced risk appetite spurred on by an escalation in the US-China trade standoff, and high correlations with other weak currencies, including the Australian dollar and yuan.

For more details read the full article NZ dollar news and forecasts.

Read more in the article NZD Forecasts.

Why can't I just get the AUD/NZD market rate I see online or in the media?

The mid-rate is the rate you will see quoted online or the news. It is actually just the half-way point (hence mid-rate) between the last rate at which the AUD / NZD was traded (bought or sold) in the international markets.

All foreign exchange providers charge a fee for providing their service and this fee is usually contained within the exchange rate margin (or difference to the mid-rate). Some providers such as Transferwise will quote you the mid-rate (or close to) and charge a separate percentage fee.

AUDNZD blended flags

Getting a good market rate is mainly about timing however the transaction margin you end up being charged can be considerably reduced by around a few percent (of total amount being exchanged) for travel money and possibly over 5% to 6% when sending money. The exact potential savings depends on the currencies being exchanged and the amount you are transferring and if you are willing to shop around.

Our real-time foreign transfer and travel money/cards comparison calculators make shopping around easy and help you calculate how much you can save.

We help you Compare & Save Money on Exchange Rates.

 

View all AUD Exchange Rates