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NZD to CNY - Rate Guide

New Zealand Dollar to Chinese Yuan 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.

 

NZD/CNY update & alerts

1 NZD = 4.6194 CNY

Sell NZD - Buy CNY  Invert

NZD to CNY - Trading Range (90 Day)
ALERT: 90-DAY HIGHS 🔔 |
90-DAY TREND: At 4.6224 NZD/CNY is trading 2.5% above the average 4.5085 with a range 4.4275 to 4.6224. ALERT: NZD/CNY has risen to 90-DAY HIGHS.
Update: 06-Dec 16:01-EST 21:01-GMT 08:01-AEDT(+1D)

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NZD/CNY Exchange Rates and Providers Compared

This guide to the New Zealand Dollar to Chinese Yuan exchange rate with 90-day chart & alerts, historic rates, forecasts and NZD to CNY 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 NZD/CNY 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 NZD/CNY International Money Transfers. Costs are calculated against the current interbank mid-rate.

 
  

NZD to CNY International Money Transfers

  

Foreign Transfer ProvidersReceive CNY(¥)Exchange RateFee NZDTotal CostDeal Links
OFX logo
¥44,352
Best Overall
4.43520^3.99%
WorldFirst logo
¥45,963
¥1,611 more
4.596300.5%
XE logo
¥45,926
¥1,574 more
4.592600.58%
HSBC logo
¥43,421
¥931 less
4.3486NZ$156%
ANZ Bank logo
¥43,053
¥1,299 less
4.3131186.8%
Banks - Average Rate
ANZ Bank logo HSBC logo BNZ Bank logo TSB Bank logo
¥42,969
¥1,383 less
4.3220226.98%
TSB Bank International Money Transfers
TSB Bank logo
¥42,788
¥1,564 less
4.322NZ$1007.37%
BNZ Bank International Money Transfers
BNZ Bank logo
¥42,612
¥1,740 less
4.3042NZ$1007.75%
 

OFX logo

OFX: Foreign Transfer NZD→CNY
From Amount (NZD)NZ$10,000
Fee:0^ - No fees for BestExchangeRates users (normally $12 for smaller transfers)
Exchange Rate:4.4352 (3.99% from mid-rate)
To Amount (CNY) ¥44,352
Total Cost:3.99%
Time:
Rate Fetched: Sat Dec 07 2019 18:07:50 GMT+0000 (UTC)
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
Rating:
 
: 4.8/5.0
Reviews:
 

WorldFirst logo

WorldFirst: Foreign Transfer NZD→CNY
From Amount (NZD)NZ$10,000
Fee:
Exchange Rate:4.5963 (0.5% from mid-rate)
To Amount (CNY) ¥45,963
Total Cost:0.5%
Difference:
¥1,611 CNY more than using OFX
Time:18:08 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
Rating:
 
: 4.6/5.0
Reviews:
 

XE logo

XE: Foreign Transfer NZD→CNY
From Amount (NZD)NZ$10,000
Fee:0
Exchange Rate:4.5926 (0.58% from mid-rate)
To Amount (CNY) ¥45,926
Total Cost:0.58%
Difference:
¥1,574 CNY more than using OFX
Time:18:08 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone
Rating:
 
: 3.5/5.0
Reviews:
 

HSBC logo

HSBC: Foreign Transfer NZD→CNY
From Amount (NZD)NZ$10,000
Fee:NZ$15 NZD (.15%)
Exchange Rate:4.3486 (5.86% from mid-rate)
To Amount (CNY) ¥43,421
Total Cost:6%
Difference:
¥931 CNY less than using OFX
Time:18:08 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

ANZ Bank logo

ANZ Bank: Foreign Transfer NZD→CNY
From Amount (NZD)NZ$10,000
Fee:18
Exchange Rate:4.3131 (6.63% from mid-rate)
To Amount (CNY) ¥43,053
Total Cost:6.8%
Difference:
¥1,299 CNY less than using OFX
Time:18:08 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
 
: 3/5.0
Reviews:
 

Banks - Average Rate

Foreign Transfer NZD→CNY
From Amount (NZD)NZ$10,000
Fee:22
Exchange Rate:4.3884 (5% from mid-rate)
To Amount (CNY) ¥42,969
Total Cost:6.98%
Difference:
¥1,383 CNY less than using OFX
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
 

TSB Bank logo

TSB Bank: Foreign Transfer NZD→CNY
From Amount (NZD)NZ$10,000
Fee:NZ$100 NZD (1%)
Exchange Rate:4.3220 (6.44% from mid-rate)
To Amount (CNY) ¥42,788
Total Cost:7.37%
Difference:
¥1,564 CNY less than using OFX
Time:18:08 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

BNZ Bank logo

BNZ Bank: Foreign Transfer NZD→CNY
From Amount (NZD)NZ$10,000
Fee:NZ$100 NZD (1%)
Exchange Rate:4.3042 (6.82% from mid-rate)
To Amount (CNY) ¥42,612
Total Cost:7.75%
Difference:
¥1,740 CNY less than using OFX
Time:18:08 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Snapshot 12/07/2019 - 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 CNY(¥)Exchange RateFee NZDTotal CostDeal Links
Travelex Online NZ logo
¥4,423.3
Best Overall
4.42330^4.25%
TSB Bank Foreign Currency
TSB Bank logo
¥4,294.03
¥129 less
4.3374NZ$107.04%
Banks - Average Rate
BNZ Bank logo TSB Bank logo
¥4,279
¥144 less
4.3329NZ$107.37%
BNZ Bank Foreign Currency
BNZ Bank logo
¥4,263.47
¥160 less
4.3284NZ$157.71%
 

Travelex Online NZ logo

Travelex Online NZ: Travel Money NZD→CNY
From Amount (NZD)NZ$1,000
Fee:$0 - No fees for Debit & Credit Cards
Exchange Rate:4.4233 (4.25% from mid-rate)
To Amount (CNY) ¥4,423.3
Total Cost:4.25%
Time:
Rate Fetched: Sat Dec 07 2019 18:00:05 GMT+0000 (UTC)
Currency Services:FREE Home delivery & Branch pickup
Delivery/Collect:2-3 days
Rating:
 
: 4.3/5.0
Reviews:
 

TSB Bank logo

TSB Bank: Travel Money NZD→CNY
From Amount (NZD)NZ$1,000
Fee:NZ$10 NZD (1%)
Exchange Rate:4.3374 (6.1% from mid-rate)
To Amount (CNY) ¥4,294.03
Total Cost:7.04%
Time:18:08 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

Banks - Average Rate

Travel Money NZD→CNY
From Amount (NZD)NZ$1,000
Fee:NZ$10 NZD (1%)
Exchange Rate:4.3909 (4.95% from mid-rate)
To Amount (CNY) ¥4,279
Total Cost:7.37%
Currency Services:Branch
Delivery/Collect:-
 

BNZ Bank logo

BNZ Bank: Travel Money NZD→CNY
From Amount (NZD)NZ$1,000
Fee:NZ$15 NZD (Minimum fee)
Exchange Rate:4.3284 (6.3% from mid-rate)
To Amount (CNY) ¥4,263.47
Total Cost:7.71%
Time:18:08 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
Snapshot 12/07/2019 - See full table

NZD and CNY in the Markets

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

New Zealand Dollar (NZD)

The New Zealand dollar weakened in June to a 7-month low against the euro, at rates below €0.58.

At US$0.65, the kiwi remained weak against the greenback, 6 percent lower than rates in March.

Against the Australian dollar, NZD has been steady in recent months, having spent much of its time between A$0.94 and A$0.95.

Robbing New Zealand's currency of gains in 2019 have been lower NZ interest rates, 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.

Read more in the article NZD Forecasts.

 

Chinese Yuan (CNY)

In early August the offshore yuan surged to a decade high of 7.05 per US dollar, breaking the symbolic and closely watched USD/CNY = 7.0 exchange rate, after the trade war flared up again and the US labelled China a "currency manipulator".

Increasingly, the yuan is being used as a barometer for progress made on US-China trade talks.

Trade tensions have ramped up again since May when President Trump announced higher tariffs on Chinese goods, after China retaliated with tariffs of its own, and then after Trump placed Huawei on the "entity list," thereby making it impossible for the tech giant to do business with US firms.

Why can't I just get the NZD/CNY 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 NZD / CNY 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.

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 NZD Exchange Rates