The comparison table above helps you see the total cost of your currency transaction by showing the exchange rates offered by different providers. It also makes it easy to spot potential savings from market-leading FX services compared to bank rates.
To see a full list of available providers, simply enter your transaction type, details and click ‘GET RATES’.
USD to NZD Market Data
US dollar (USD) to New Zealand dollar (NZD) market data - latest interbank exchange rate, trend, chart & historic rates.
Bias: Bearish-to-range-bound, with USD/NZD trading below its 90-day average and in the lower half of the three-month range, implying limited downside but...
Bias
USD/NZD bear-to-range, below the 90-d avg and in the lower half of the 3-mo range. Downside limited; a mild bounce possible if payrolls or NZ data surprise. Watch risk mood and Fed timing for clues on the range mid.
Key drivers
- Rate gap: The Fed is seen moving toward rate cuts in 2026 while the RBNZ has already eased, narrowing the USD-NZD gap and helping NZD hold ground.
- Risk/commodities: A cautious mood has weighed on risk-sensitive currencies, but a pickup in risk appetite could lift NZD and curb further USD/NZD losses.
- One macro factor: U.S. payrolls and unemployment data will shape Fed easing expectations and thus USD strength versus NZD.
Range
The pair is likely to drift within the recent three-month range, testing the lower end if risk appetite remains soft, though a shift in data could push it toward the middle.
What could change it
- Upside risk: stronger US payrolls or a clearer signal that rates stay higher for longer could push USD/NZD toward the upper end of its range.
- Downside risk: stronger NZ data or an improvement in global risk appetite could lift NZD and push USD/NZD lower
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USD to NZD Conversion: What Is Your Money Worth?
To help you understand the real-world value of the current exchange rate, the table below shows how much US dollar are worth in New Zealand dollar across a range of amounts.
This gives a quick view of what you’d get when converting different USD amounts at today’s rate * :
What is the
best Send Money conversion rate for USD to NZD?
The best USD to NZD exchange rate is 1.7327 from OFX . This is -0.5% compared to the mid-market rate 1.7414.
As exchange rates can vary
significantly between banks and also between currency exchange providers,
it's therefore important to carefully compare
US dollar (USD) to New Zealand dollar (NZD) rates from different sources before making a conversion.
The above
Dollar to Kiwi comparison table
makes it easy to compare the Total Fees (both variable and fixed) you are being charged by
banks and other foreign exchange providers against the latest USD-NZD mid-rate and the possible savings of using various providers.
How do USD-NZD rates compare between providers?
Looking at the full
USD to NZD - Send Money comparison table the provider with the best USD to NZD exchange rate is OFX at 1.7327, -0.5% from the latest mid-market rate 1.7414.
The next best is XE at 1.7309, -0.6% from the mid-rate.
It's important to note that exchange rates also fluctuate frequently due to market conditions. Additionally,
banks and foreign exchange providers often apply a margin to the exchange rate, resulting in a less favorable rate for customers compared to the mid-market rate.
For more competitive rates, you might consider using a specialized currency exchange service
or platforms that offer rates closer to the mid-market rate.