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NZD to USD - Rate Guide

New Zealand Dollar to United States 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.

 

NZD/USD update & alerts

1 NZD = 0.6419 USD

NZD to USD - Trading Range (90 Day)
no alerts
90-DAY TREND: At 0.6401 NZD/USD is trading 0.8% above the average 0.6353 with a range 0.6244 to 0.6437. There are no current alerts. Updated: 08:01-AEDT 21:01-GMT 16:01-EST

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NZD/USD Exchange Rates and Providers Compared

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

 
  

NZD to USD International Money Transfers

  

Foreign Transfer ProvidersReceive USD(U$)Exchange RateFee NZDTotal CostDeal Links
WorldFirst logo
U$6,376
Best Overall
0.637600.5%
OFX logo
U$6,357
U$19 less
0.63570^0.8%
XE logo
U$6,371
U$5 less
0.637100.58%
ASB Bank International Money Transfers
ASB Bank logo
U$6,180.51
U$195 less
0.6196253.55%
HSBC logo
U$6,173.73
U$202 less
0.6183NZ$153.66%
Banks - Average Rate
ANZ Bank logo HSBC logo BNZ Bank logo ASB Bank logo TSB Bank logo
U$6,124
U$252 less
0.6155224.44%
ANZ Bank logo
U$6,121.96
U$254 less
0.6133184.46%
TSB Bank International Money Transfers
TSB Bank logo
U$6,083.55
U$292 less
0.6145NZ$1005.06%
BNZ Bank International Money Transfers
BNZ Bank logo
U$6,058.8
U$317 less
0.612NZ$1005.45%
 

WorldFirst logo

WorldFirst: Foreign Transfer NZD→USD
From Amount (NZD)NZ$10,000
Fee:
Exchange Rate:0.6376 (0.5% from mid-rate)
To Amount (USD) U$6,376
Total Cost:0.5%
Time:6:04 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
Rating:
 
: 4.6/5.0
Reviews:
 

OFX logo

OFX: Foreign Transfer NZD→USD
From Amount (NZD)NZ$10,000
Fee:0^ - No fees for BestExchangeRates users (normally $12 for smaller transfers)
Exchange Rate:0.6357 (0.8% from mid-rate)
To Amount (USD) U$6,357
Total Cost:0.8%
Difference:
U$19 USD less than using WorldFirst
Time:
Rate Fetched: 6:04 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
Rating:
 
: 4.8/5.0
Reviews:
 

XE logo

XE: Foreign Transfer NZD→USD
From Amount (NZD)NZ$10,000
Fee:0
Exchange Rate:0.6371 (0.58% from mid-rate)
To Amount (USD) U$6,371
Total Cost:0.58%
Difference:
U$5 USD less than using WorldFirst
Time:6:04 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone
Rating:
 
: 3.5/5.0
Reviews:
 

ASB Bank logo

ASB Bank: Foreign Transfer NZD→USD
From Amount (NZD)NZ$10,000
Fee:25
Exchange Rate:0.6196 (3.31% from mid-rate)
To Amount (USD) U$6,180.51
Total Cost:3.55%
Difference:
U$195 USD less than using WorldFirst
Time:6:04 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

HSBC logo

HSBC: Foreign Transfer NZD→USD
From Amount (NZD)NZ$10,000
Fee:NZ$15 NZD (.15%)
Exchange Rate:0.6183 (3.51% from mid-rate)
To Amount (USD) U$6,173.73
Total Cost:3.66%
Difference:
U$202 USD less than using WorldFirst
Time:6:04 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

Banks - Average Rate

Foreign Transfer NZD→USD
From Amount (NZD)NZ$10,000
Fee:22
Exchange Rate:0.6088 (4.99% from mid-rate)
To Amount (USD) U$6,124
Total Cost:4.44%
Difference:
U$252 USD less than using WorldFirst
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
 

ANZ Bank logo

ANZ Bank: Foreign Transfer NZD→USD
From Amount (NZD)NZ$10,000
Fee:18
Exchange Rate:0.6133 (4.29% from mid-rate)
To Amount (USD) U$6,121.96
Total Cost:4.46%
Difference:
U$254 USD less than using WorldFirst
Time:6:04 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
 
: 3/5.0
Reviews:
 

TSB Bank logo

TSB Bank: Foreign Transfer NZD→USD
From Amount (NZD)NZ$10,000
Fee:NZ$100 NZD (1%)
Exchange Rate:0.6145 (4.1% from mid-rate)
To Amount (USD) U$6,083.55
Total Cost:5.06%
Difference:
U$292 USD less than using WorldFirst
Time:6:04 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

BNZ Bank logo

BNZ Bank: Foreign Transfer NZD→USD
From Amount (NZD)NZ$10,000
Fee:NZ$100 NZD (1%)
Exchange Rate:0.6120 (4.49% from mid-rate)
To Amount (USD) U$6,058.8
Total Cost:5.45%
Difference:
U$317 USD less than using WorldFirst
Time:6:04 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Snapshot 11/22/2019 - 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 USD(U$)Exchange RateFee NZDTotal CostDeal Links
Travelex Online NZ logo
U$626.30
Best Overall
0.62630^2.26%
ASB Bank Foreign Currency
ASB Bank logo
U$609.05
U$17 less
0.6152NZ$104.95%
Banks - Average Rate
BNZ Bank logo ASB Bank logo TSB Bank logo
U$598.71
U$28 less
0.6058NZ$106.57%
TSB Bank Foreign Currency
TSB Bank logo
U$595.68
U$31 less
0.6017NZ$107.04%
BNZ Bank Foreign Currency
BNZ Bank logo
U$591.39
U$35 less
0.6004NZ$157.71%
 

Travelex Online NZ logo

Travelex Online NZ: Travel Money NZD→USD
From Amount (NZD)NZ$1,000
Fee:$0 - No fees for Debit & Credit Cards
Exchange Rate:0.6263 (2.26% from mid-rate)
To Amount (USD) U$626.30
Total Cost:2.26%
Time:
Rate Fetched: Fri Nov 22 2019 06:00:05 GMT+0000 (UTC)
Currency Services:FREE Home delivery & Branch pickup
Delivery/Collect:2-3 days
Rating:
 
: 4.3/5.0
Reviews:
 

ASB Bank logo

ASB Bank: Travel Money NZD→USD
From Amount (NZD)NZ$1,000
Fee:NZ$10 NZD (1%)
Exchange Rate:0.6152 (4% from mid-rate)
To Amount (USD) U$609.05
Total Cost:4.95%
Time:6:04 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

Banks - Average Rate

Travel Money NZD→USD
From Amount (NZD)NZ$1,000
Fee:NZ$10 NZD (1%)
Exchange Rate:0.6091 (4.95% from mid-rate)
To Amount (USD) U$598.71
Total Cost:6.57%
Currency Services:Branch
Delivery/Collect:-
 

TSB Bank logo

TSB Bank: Travel Money NZD→USD
From Amount (NZD)NZ$1,000
Fee:NZ$10 NZD (1%)
Exchange Rate:0.6017 (6.1% from mid-rate)
To Amount (USD) U$595.68
Total Cost:7.04%
Time:6:04 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

BNZ Bank logo

BNZ Bank: Travel Money NZD→USD
From Amount (NZD)NZ$1,000
Fee:NZ$15 NZD (Minimum fee)
Exchange Rate:0.6004 (6.3% from mid-rate)
To Amount (USD) U$591.39
Total Cost:7.71%
Time:6:04 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
Snapshot 11/22/2019 - See full table

NZD and USD in the Markets

When determining the best time to make a foreign exchange transaction, in this case the NZD vs USD, 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.

 

United States Dollar (USD)

The US dollar has held its value this year despite a serious escalation in US-China trade tensions, mainly because the greenback is still considered a safer currency to own than most others. After grim employment data on June-7, the Dollar Index was up 0.5 percent on the year (it had fallen 2 percent from May’s 2-year high).

As in other parts of the world, interest rate cuts are now expected in the US following a drastic shift in economic forecasts. At least two Fed cuts are expected this year, with the first most likely to come in July.

Taking the blame for the economic downturn is US President Donald Trump, whose trade policies have set a ball rolling that could wipe $455bn from global output according to the IMF.

Read more in the article USD Forecasts.

Why can't I just get the NZD/USD 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 / USD 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