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USD to NZD - Rate Guide

United States 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.

 

USD/NZD update & alerts

1 USD = 1.5615 NZD

USD to NZD - Trading Range (90 Day)
ALERT: 1-DAY â–˛ 0.7% đź”” |
At 1.5702 USD/NZD is trading near the average for 90 days, with range 1.5511 to 1.6016. ALERT: USD/NZD is UP 0.7% for 1-DAY. Updated: 08:01-AEDT 21:01-GMT 16:01-EST

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USD/NZD Exchange Rates and Providers Compared

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

 
Foreign Transfer ProvidersReceive NZD(NZ$)Exchange RateFee USDTotal CostDeal Links
OFX logo
NZ$15,493
Best Overall
1.54930^0.8%
XE logo
NZ$15,423
NZ$70 less
1.542301.25%
Wells Fargo Bank logo
NZ$15,032
NZ$461 less
1.5059183.75%
HSBC logo
NZ$15,020
NZ$473 less
1.5043U$153.83%
Banks - Average Rate
Bank of America logo U.S. Bank logo Wells Fargo Bank logo HSBC logo
NZ$14,929
NZ$564 less
1.5017154.41%
Bank of America International Money Transfers
Bank of America logo
NZ$14,832
NZ$661 less
1.4982U$1005.03%
U.S. Bank International Money Transfers
U.S. Bank logo
NZ$14,832
NZ$661 less
1.4982U$1005.03%
 

OFX logo

OFX: Foreign Transfer USD→NZD
From Amount (USD)U$10,000
Fee:0^ - No fees for BestExchangeRates users (normally $12 for smaller transfers)
Exchange Rate:1.5493 (0.8% from mid-rate)
To Amount (NZD) NZ$15,493
Total Cost:0.8%
Time:
Rate Fetched: 18:00 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 USD→NZD
From Amount (USD)U$10,000
Fee:
Exchange Rate:1.5423 (1.25% from mid-rate)
To Amount (NZD) NZ$15,423
Total Cost:1.25%
Difference:
NZ$70 NZD less than using OFX
Time:18:00 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone
Rating:
 
: 3.5/5.0
Reviews:
 

Wells Fargo Bank logo

Wells Fargo Bank: Foreign Transfer USD→NZD
From Amount (USD)U$10,000
Fee:18
Exchange Rate:1.5059 (3.58% from mid-rate)
To Amount (NZD) NZ$15,032
Total Cost:3.75%
Difference:
NZ$461 NZD less than using OFX
Time:18:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

HSBC logo

HSBC: Foreign Transfer USD→NZD
From Amount (USD)U$10,000
Fee:U$15 USD (.15%)
Exchange Rate:1.5043 (3.68% from mid-rate)
To Amount (NZD) NZ$15,020
Total Cost:3.83%
Difference:
NZ$473 NZD less than using OFX
Time:18:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

Banks - Average Rate

Foreign Transfer USD→NZD
From Amount (USD)U$10,000
Fee:15
Exchange Rate:1.4951 (4.27% from mid-rate)
To Amount (NZD) NZ$14,929
Total Cost:4.41%
Difference:
NZ$564 NZD less than using OFX
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
 

Bank of America logo

Bank of America: Foreign Transfer USD→NZD
From Amount (USD)U$10,000
Fee:U$100 USD (1%)
Exchange Rate:1.4982 (4.07% from mid-rate)
To Amount (NZD) NZ$14,832
Total Cost:5.03%
Difference:
NZ$661 NZD less than using OFX
Time:18:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

U.S. Bank logo

U.S. Bank: Foreign Transfer USD→NZD
From Amount (USD)U$10,000
Fee:U$100 USD (1%)
Exchange Rate:1.4982 (4.07% from mid-rate)
To Amount (NZD) NZ$14,832
Total Cost:5.03%
Difference:
NZ$661 NZD less than using OFX
Time:18:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Snapshot 11/15/2019 - 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 NZD(NZ$)Exchange RateFee USDTotal CostDeal Links
U.S. Bank Foreign Currency
U.S. Bank logo
NZ$1,461.9
Compare
1.461906.4%
Banks - Average Rate
U.S. Bank logo Wells Fargo Bank logo
NZ$1,447
NZ$15 less
1.4619U$107.33%
Wells Fargo Bank logo
NZ$1,432.66
NZ$29 less
1.4619U$208.27%
Travelex Online US logo
NZ$1,399
NZ$63 less
1.3990^10.42%
 

U.S. Bank logo

U.S. Bank: Travel Money USD→NZD
From Amount (USD)U$1,000
Fee:0
Exchange Rate:1.4619 (6.4% from mid-rate)
To Amount (NZD) NZ$1,461.9
Total Cost:6.4%
Time:18:00 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

Banks - Average Rate

Travel Money USD→NZD
From Amount (USD)U$1,000
Fee:U$10 USD (1%)
Exchange Rate:1.3666 (12.5% from mid-rate)
To Amount (NZD) NZ$1,447
Total Cost:7.33%
Currency Services:Branch
Delivery/Collect:-
 

Wells Fargo Bank logo

Wells Fargo Bank: Travel Money USD→NZD
From Amount (USD)U$1,000
Fee:U$20 USD (Minimum fee)
Exchange Rate:1.4619 (6.4% from mid-rate)
To Amount (NZD) NZ$1,432.66
Total Cost:8.27%
Time:18:00 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

Travelex Online US logo

Travelex Online US: Travel Money USD→NZD
From Amount (USD)U$1,000
Fee:$0 - No fees for Debit & Credit Cards
Exchange Rate:1.399 (10.42% from mid-rate)
To Amount (NZD) NZ$1,399
Total Cost:10.42%
Time:
Rate Fetched: Fri Nov 15 2019 18:00:03 GMT+0000 (UTC)
Currency Services:FREE Home delivery & Branch pickup
Delivery/Collect:2-3 days
Rating:
 
: 4.3/5.0
Reviews:
 
Snapshot 11/15/2019 - See full table

USD and NZD in the Markets

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

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.

 

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.

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

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 USD Exchange Rates