The Wise NZD to USD rate is 0.5875. This is -0.69% below the mid-rate. Compare Wise currency conversion rates - Reduce FX costs.
The Wise NZD to USD exchange rate is 0.5875. This is -0.69% compared to the latest NZD-USD mid-market rate 0.5916.
As exchange rates can vary significantly between banks and also between currency exchange providers, it's therefore important to carefully compare New Zealand dollar (NZD) to US dollar (USD) rates from different sources before making a conversion.
Looking at our comparison table the best NZD to USD exchange rate is 0.5886 from OFX, -0.51% from the mid-market rate 0.5916. The next best rate is 0.5881 from XE, -0.59% from the mid-rate. Then Wise with 0.5875 is -0.69% from the mid-rate.
Among the banks, the ANZ Bank rate is 0.6119 at 3.4%, the BNZ Bank rate is 0.5638 at -4.7%, and the TSB Bank rate is 0.5602 at -5.3% compared to the mid-rate 0.5916.
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 like Wise or platforms that offer rates closer to the mid-market rate.
The Wise Kiwi to Dollar comparison table above makes it easy to compare the Total Fees (both variable and fixed) you are being charged by Wise and other foreign exchange providers against the latest NZD-USD mid-rate (see Market Data below ) and the possible savings of using various providers.
Wise (formerly TransferWise) always aim to convert money at the real mid-market exchange rate. There’s just a small, fair service fee, and it’s all shown up-front, this fee normally works out to be less than 1% of the amount being exchanged.
Exchange guaranteed within 2 business days - Pay via Bank Transfer or VISA/Mastercard debit cards.
Setup Direct Debits to Pay Bills abroad from AUD, CAD, EUR, GBP and USD accounts.
With a Wise Account you receive a unique set of account details with which you can get paid like a local. Together with an account number, you’ll receive a SWIFT, BSB, routing and/or sort code and anything else needed to receive funds in those currencies.
Domestic & International - Share these for someone to pay you in the same currency by local bank transfer.
International Only - Share these for someone to pay you any currency Wise supports by SWIFT transfer.
The Wise debit card are free to set up and use. And there's never any monthly fee and minimum balance to worry about.
You get two free ATM withdrawals worldwide up to a max amount every 30 days, then a charge on additional withdrawals.
Auto-convert any currency - Spend in any currency and the Wise smart tech will auto-convert it with the lowest possible fee.
Unlike practically all other Travel cards you can pay foreign currency into this card via your own personal foreign bank accounts.
Savings on Wise money transfers are substantial relative to banks and traditional money changers, although the amounts saved will of course depend on how much is being transferred.
Wise advertises that its transfers are “up to 8 times cheaper” than those performed by banks, but what does that mean in real currency terms? How many dollars, pounds, francs or pesos are we talking about? Let’s take a look.
When compared with other FX specialists, Wise consistently ranks near the very top for savings on international payments, across a range of currencies and amounts.
Although Wise won’t be the absolute cheapest on every currency route, it will at least show you exactly how much you are being charged in currency terms before you make your decision, which is more than can be said for banks or traditional money changers, who hide all sorts of charges within the exchange rates offered.
The Wise card let's you spend anywhere, with low conversion fees. Buy things online in any currency, or pay for things on holiday. If you don’t have the currency you need in your Wise Account, they’ll auto-convert it with the lowest possible fee.
New Zealand dollar (NZD) to US dollar (USD) market data - latest interbank exchange rate, trend, chart & historic rates.
| Date | NZD/USD | Change | Period |
|---|---|---|---|
25 Apr 2025 | 0.5966 | 1.2% ▼ | 2 Week |
08 Feb 2025 | 0.5661 | 4.1% ▲ | 3 Month |
09 May 2024 | 0.6035 | 2.4% ▼ | 1 Year |
10 May 2020 | 0.6141 | 4% ▼ | 5 Year |
12 May 2015 | 0.7390 | 20.3% ▼ | 10 Year |
14 May 2005 | 0.7123 | 17.3% ▼ | 20 Year |
Here are some popular conversion amounts for NZD to USD (New Zealand dollar to US dollar)*.
| NZD | USD |
|---|---|
| NZ$ 1,000 | $ 591.60 |
| NZ$ 5,000 | $ 2,958 |
| NZ$ 20,000 | $ 11,832 |
| NZ$ 100,000 | $ 59,160 |
More amounts
*Converted at the current NZDUSD interbank exchange rate. Calculate actual payout amounts for Send Money and Travel Money exchange rates.
The New Zealand dollar (NZD) is exhibiting uncertainty as it reacts to a combination of trade developments and global risk sentiment. Following announcements from U.S. President Donald Trump, including a 10% tariff on imports from New Zealand and increased tariffs for major trading partners, analysts suggest that this may dampen demand for New Zealand's key commodities. Investors are closely monitoring these trade dynamics, especially as the NZD shows volatility, trading at 0.5911, which is 2.3% above its three-month average of 0.5778, with a significant range of movement between 0.5534 and 0.6007.
Read our full review of recent NZD to USD forecasts.
There are several ways to save on exchange rates when converting New Zealand dollar to US dollar:
Generally speaking, if you are buying US dollar with New Zealand dollar, then it's better for the NZD/USD exchange rate to be higher.
However working against you are the fees all foreign exchange providers charge for providing their service. These fees is usually contained within the exchange rate margin (or difference to the mid-rate).
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.
Read our Currency guide to the United States — a practical currency and money guide to travel in the United States plus living and doing business with the US dollar.
It's worth noting that while these tips can help you save on exchange rates, it's important to be aware that no single method is guaranteed to provide the best exchange rate in every situation, and it may require some research and comparison-shopping to find the best option for your specific needs.
It is almost impossible to predict what an exchange rate will do in the future, the best approach is to monitor the currency markets and transact when an exchange rate moves in your favour.
To help with this you can add NZD/USD to your personalised Rate Tracker to track and benefit from currency movements.
Rather than requiring you to set a target rate, our Rate Alerts keep you informed of recent trends and movements of currency pairs.
Add rates to your Rate Tracker and select to receive an daily email (mon-fri) or when a rate is trending
| United States (USD) | New Zealand (NZD) |  East Timor (USD) |
 Ecuador (USD) |  El Salvador (USD) |  British Virgin Islands (USD) |
 US Virgin Islands (USD) |  Caribbean Netherlands (USD) |  Turks and Caicos Islands (USD) |
Sending money to the U.S. involves more than just choosing a provider. First, make sure you have the correct recipient details, including their account number, bank name, routing or SWIFT code, and sometimes the bank’s address. Mistakes can lead to failed or delayed transfers.
If you’re converting from another currency, pay close attention to the exchange rate. Providers often apply a hidden markup, so comparing rates is essential—especially for larger transfers. Tools like BestExchangeRates.com help you find the best real-time rates. Don’t forget about fees either. These can include service charges, intermediary bank deductions, or fees charged to the recipient, particularly with traditional bank wires.
There are multiple methods available for sending money to the U.S., each with their own pros and cons. Bank transfers are widely used and secure but tend to be slower and more expensive. Online services like Wise, OFX, or WorldRemit offer faster transfers at more competitive rates, while remittance apps like Remitly and Xoom are optimized for speed and convenience. In some cases, cryptocurrency can be used, but this comes with added regulatory and security considerations.
Speed also matters. Digital services like Wise or Remitly can deliver funds within hours or a day, while banks may take several business days. For large amounts, providers may ask for ID due to anti-money laundering regulations. Transfers above $10,000 are generally reported to U.S. authorities, though personal remittances are usually tax-free.
Finally, consider the purpose—whether personal, business, or investment—and choose a method that suits your needs. Online transfer services are often cheaper and faster than banks, and may offer better exchange rates and lower fees.
For the best value, compare your options and plan ahead. A few extra minutes of research can save you a lot in the long run.
Read more at our United States (USD) country guide
Forecasts disclaimer: Please be advised that the forecasts and analysis of market data presented on BestExchangeRates.com are solely a review and compilation of forecasts from various market experts and economists. These forecasts are not meant to reflect the opinions or views of BestExchangeRates.com or its affiliates, nor should they be construed as a recommendation or advice to engage in any financial transactions. Read more
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