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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 = 1.5125 NZD

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USD to NZD - Trading Range (90 Day)
ALERT: 14-DAY HIGHS 🔔 |
USD/NZD at 1.512 is trading 1.9% below the 90-day average 1.5418 with a range 1.4855 to 1.5895. ALERT: USD/NZD has risen to 14-DAY HIGHS.
17-Jan-2020 16:NY 21:LON 08:SYD+1d

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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.

 
  

USD to NZD International Money Transfers

  

Foreign Transfer ProvidersReceive NZD(NZ$)Exchange RateFee USDTotal CostDeal Links
OFX logo
NZ$15,004
Best Overall
1.50040^0.8%
XE logo
NZ$14,936
NZ$68 less
1.493601.25%
Wells Fargo Bank logo
NZ$14,484
NZ$520 less
1.451184.24%
HSBC logo
NZ$14,473
NZ$531 less
1.4495U$154.31%
Banks - Average Rate
Bank of America logo U.S. Bank logo Wells Fargo Bank logo HSBC logo
NZ$14,385
NZ$619 less
1.4469154.89%
Bank of America International Money Transfers
Bank of America logo
NZ$14,292
NZ$712 less
1.4436U$1005.51%
U.S. Bank International Money Transfers
U.S. Bank logo
NZ$14,292
NZ$712 less
1.4436U$1005.51%
 
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:1.5004 (0.8% from mid-rate)
To Amount (NZD) NZ$15,004
Total Cost:0.8%
Time:
Rate Fetched: 18:03 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:1.4936 (1.25% from mid-rate)
To Amount (NZD) NZ$14,936
Total Cost:1.25%
Difference:
NZ$68 NZD less than using OFX
Time:18:03 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:1.4510 (4.07% from mid-rate)
To Amount (NZD) NZ$14,484
Total Cost:4.24%
Difference:
NZ$520 NZD less than using OFX
Time:18:03 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:1.4495 (4.17% from mid-rate)
To Amount (NZD) NZ$14,473
Total Cost:4.31%
Difference:
NZ$531 NZD less than using OFX
Time:18:03 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:1.4406 (4.75% from mid-rate)
To Amount (NZD) NZ$14,385
Total Cost:4.89%
Difference:
NZ$619 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:1.4436 (4.56% from mid-rate)
To Amount (NZD) NZ$14,292
Total Cost:5.51%
Difference:
NZ$712 NZD less than using OFX
Time:18:03 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:1.4436 (4.56% from mid-rate)
To Amount (NZD) NZ$14,292
Total Cost:5.51%
Difference:
NZ$712 NZD less than using OFX
Time:18:03 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Snapshot 01/19/2020 - 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 USDTotal CostDeal Links
Banks - Average Rate Foreign Currency
NZ$1,310.17
Compare
1.3234U$1013.38%
 
Banks - Average Rate
Travel Money USD→NZD
From Amount (USD)U$1,000
Fee:U$10 USD (1%)
Exchange Rate:1.3234 (12.5% from mid-rate)
To Amount (NZD) NZ$1,310.17
Total Cost:13.38%
Currency Services:Branch
Delivery/Collect:-
 
Snapshot 01/19/2020 - 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 held its value in 2019 despite a serious escalation in US-China trade tensions, mainly because the greenback is still considered a safer currency to own than most others.

At its October meeting the Federal Reserve cut the target range for the federal funds rate to 1.5-1.75 percent, the third rate cut so far this year, amid soft inflation indicators and general worries about the economy. However the central bank also signaled a pause in the easing cycle.

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

For more USD bank forecasts and cross-rate trends read the report USD trends and forecasts.

Read more in the article USD 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 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