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USD/NZD - Convert Compare Save

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.

 

This resource page for the United States Dollar to New Zealand Dollar exchange rate, has news, forecasts and USD to NZD comparison tables for foreign transfers and travel money rates and fees on offer by banks and foreign exchange providers. You can also check an exchange rate margin with our Exchange Rate Checker.

USD/NZD Exchange Rates - How to Compare & Save

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($)Exchange RateFee USDTotal CostDeal Links
OFX logo
15,493 NZD
Best Overall
1.54930^0.8%
XE logo
15,423 NZD
70 NZD
1.542301.25%
Wells Fargo Bank logo
14,956 NZD
537 NZD
1.4983184.24%
HSBC logo
14,946 NZD
547 NZD
1.4968$154.3%
Banks - Average Rate
Bank of America logo U.S. Bank logo Wells Fargo Bank logo HSBC logo
14,855 NZD
638 NZD
1.4941154.89%
Bank of America International Money Transfers
Bank of America logo
14,758 NZD
735 NZD
1.4907$1005.51%
U.S. Bank International Money Transfers
U.S. Bank logo
14,758 NZD
735 NZD
1.4907$1005.51%
 
OFX: Foreign Transfer USD→NZD
USD amount:$10,000 USD
Fee:0^ - No fees for BestExchangeRates users (normally $12 for smaller transfers)
Exchange Rate:1.5493 (0.8% from mid-rate)
NZD amount:15,493 NZD
Total Cost:0.8%
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:
 
XE: Foreign Transfer USD→NZD
USD amount:$10,000 USD
Fee:
Exchange Rate:1.5423 (1.25% from mid-rate)
NZD amount:15,423 NZD
Total Cost:1.25%
Difference:
70 NZD less than using OFX
Time:12:00 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone
Rating:
 
: 3.5/5.0
Reviews:
 

Wells Fargo Bank logoWells Fargo Bank

Wells Fargo Bank: Foreign Transfer USD→NZD
USD amount:$10,000 USD
Fee:18
Exchange Rate:1.4983 (4.07% from mid-rate)
NZD amount:14,956 NZD
Total Cost:4.24%
Difference:
537 NZD less than using OFX
Time:12:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

HSBC logoHSBC

HSBC: Foreign Transfer USD→NZD
USD amount:$10,000 USD
Fee:$15 USD (.15%)
Exchange Rate:1.4968 (4.16% from mid-rate)
NZD amount:14,946 NZD
Total Cost:4.3%
Difference:
547 NZD less than using OFX
Time:12:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

Banks - Average Rate

Foreign Transfer USD→NZD
USD amount:$10,000 USD
Fee:15
Exchange Rate:1.4876 (4.75% from mid-rate)
NZD amount:14,855 NZD
Total Cost:4.89%
Difference:
638 NZD less than using OFX
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
 

Bank of America logoBank of America

Bank of America: Foreign Transfer USD→NZD
USD amount:$10,000 USD
Fee:$100 USD (1%)
Exchange Rate:1.4907 (4.55% from mid-rate)
NZD amount:14,758 NZD
Total Cost:5.51%
Difference:
735 NZD less than using OFX
Time:12:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

U.S. Bank logoU.S. Bank

U.S. Bank: Foreign Transfer USD→NZD
USD amount:$10,000 USD
Fee:$100 USD (1%)
Exchange Rate:1.4907 (4.55% from mid-rate)
NZD amount:14,758 NZD
Total Cost:5.51%
Difference:
735 NZD less than using OFX
Time:12:00 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Snapshot 08/25/2019 - 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($)Exchange RateFee USDTotal CostDeal Links
U.S. Bank Foreign Currency
U.S. Bank logo
1,461.9 NZD
Compare
1.461906.4%
Banks - Average Rate
U.S. Bank logo Wells Fargo Bank logo
1,447 NZD
15 NZD
1.4619$107.33%
Wells Fargo Bank logo
1,432.66 NZD
29 NZD
1.4619$208.27%
Travelex Online US logo
1,402.6 NZD
59 NZD
1.40260^10.19%
 

U.S. Bank logoU.S. Bank

U.S. Bank: Travel Money USD→NZD
USD amount:$1,000 USD
Fee:0
Exchange Rate:1.4619 (6.4% from mid-rate)
NZD amount:1,461.9 NZD
Total Cost:6.4%
Time:12:00 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

Banks - Average Rate

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

Wells Fargo Bank logoWells Fargo Bank

Wells Fargo Bank: Travel Money USD→NZD
USD amount:$1,000 USD
Fee:$20 USD (Minimum fee)
Exchange Rate:1.4619 (6.4% from mid-rate)
NZD amount:1,432.66 NZD
Total Cost:8.27%
Time:12:00 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
Travelex Online US: Travel Money USD→NZD
USD amount:$1,000 USD
Fee:$0 - No fees for Debit & Credit Cards
Exchange Rate:1.4026 (10.19% from mid-rate)
NZD amount:1,402.6 NZD
Total Cost:10.19%
Time:
Rate Fetched: Sun Aug 25 2019 10:00:04 GMT+0000 (UTC)
Currency Services:Online order, Branch pickup, Home delivery
Delivery/Collect:2-3 days
Rating:
 
: 4.3/5.0
Reviews:
 
Snapshot 08/25/2019 - See full table

USD to NZD interbank exchange rate = 1.5618

 
 

Exchange Rate Checker

If you have been offered/charged an exchange rate then enter it below to check the true cost to the latest interbank mid-rate.

 
   

Compare savings on USD/NZD exchange rates

Foreign Transfers Travel Money

Foreign Transfers Travel Money

   

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