ST
Starling BankSWIFT transferRecheck with provider
2.357Fee £6.30
NZ$456.55Comparable completed bank-transfer quote
Open receipt16 Oct 2026, 01:23 UTC
GB → NZ
What does it cost to send money from United Kingdom to New Zealand?
We test a £200.00 personal bank transfer and rank the amount that reaches the recipient.
Latest result today16 Oct 2026, 01:23 UTCChecks are dated in UTC · collection scheduled daily
Most money delivered by a verified quote todayNZ$456.55Starling Bank · receipt available
Gap between completed quotesPendingMeasured on the same £200.00 transfer
Companies on our watchlist3413 results today · 5 previous results · 1 comparable today
PROVIDER RESULTS
Latest available provider results
Each provider shows its latest result from today, or its freshest saved result in grey. Previous results and calculator estimates stay outside today's price ranking.
CompanyRate and visible feeWhat arrivesOur receipt
XE
XeNot a transfer quoteRecheck with provider
Best Rated2.35798Fee £0.00
NZ$471.60Calculator evidence only
Open receipt16 Oct 2026, 01:23 UTC
Xe mid-market reference only. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
IR
InstaremCheck providerRecheck with provider
2.3491Fee £0.00
NZ$469.82Promotional quote, not ranked
Open receipt16 Oct 2026, 01:23 UTC
First-transfer Instarem offer. We keep the receipt, but a price available only to selected customers cannot win the standard table.
WI
WiseWise estimate PT24HRecheck with provider
2.358Fee £1.49
NZ$468.09Calculator evidence only
Open receipt16 Oct 2026, 01:23 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
RM
RemitlyCheck providerRecheck with provider
2.34079Fee £1.99
NZ$463.50Calculator evidence only
Open receipt16 Oct 2026, 00:40 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
NW
NatWestCheck providerRecheck with provider
2.30493Fee £0.00
NZ$460.99Calculator evidence only
Open receipt16 Oct 2026, 00:30 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
RBS
RBSCheck providerRecheck with provider
2.30493Fee £0.00
NZ$460.99Calculator evidence only
Open receipt16 Oct 2026, 00:30 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
WU
Western UnionCheck providerRecheck with provider
2.31611Fee £1.99
NZ$458.61Calculator evidence only
Open receipt16 Oct 2026, 00:21 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
OFX
OFXCheck providerRecheck with provider
2.31373Fee £7.00
NZ$446.55Calculator evidence only
Open receipt16 Oct 2026, 00:21 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
PP
PayPalCheck providerRecheck with provider
2.24097Fee £2.99
NZ$441.49Calculator evidence only
Open receipt16 Oct 2026, 00:36 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
LB
Lloyds Bank BusinessOnline international paymentRecheck with provider
2.30371Fee £15.00
NZ$426.19Calculator evidence only
Open receipt16 Oct 2026, 01:23 UTC
ECB reference rate less Lloyds' published 2.60% margin, plus £15 online fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
NWB
NatWest BusinessInternational paymentRecheck with provider
2.29499Fee £15.00
NZ$424.57Calculator evidence only
Open receipt16 Oct 2026, 01:23 UTC
Business Current Account public indicative rate plus published payment fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
SAN
Santander UKInternational paymentRecheck with provider
2.29425Fee £25.00
NZ$401.49Calculator evidence only
Open receipt16 Oct 2026, 01:23 UTC
ECB reference rate less Santander's published 3% markup, plus £25 payment fee. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
HSBC
HSBCCheck provider
2.34149Fee £0.00
NZ$468.30Previous result · not a current quote
Open receipt13 Oct 2026, 15:43 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
BarclaysCheck provider
2.29614Fee £0.00
NZ$459.23Previous result · not a current quote
Open receipt13 Oct 2026, 11:07 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
XM
XoomCheck provider
2.31177Fee £1.99
NZ$457.75Previous result · not a current quote
Open receipt15 Oct 2026, 21:15 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
LL
LloydsCheck provider
2.27599Fee £9.50
NZ$433.58Previous result · not a current quote
Open receipt13 Oct 2026, 12:52 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
NWD
NationwideCheck provider
2.31138Fee £15.00
NZ$427.61Previous result · not a current quote
Open receipt15 Oct 2026, 22:20 UTC
Wise comparison estimate for a bank-funded transfer. This evidence does not complete a like-for-like transfer, so it stays out of the winner calculation.
18 monitored providers have no saved result for this transfer
CurrencyFair, Atlantic Money, Ria Money Transfer, Taptap Send, TransferGo, SingX, Revolut, HSBC UK, Monese, Skrill, Asda Money, Paysend, WorldRemit, ACE Money Transfer, Profee, OrbitRemit, MoneyGram, LemFi.
They are omitted from the table until we have a usable result for the amount and currencies shown. This does not mean the provider cannot offer the transfer.
A provider button may earn us money. The receipt link does not; it opens the evidence we stored independently.
Open a receipt to inspect the saved evidence and its UTC date. Grey results are historical reference points; recheck the provider's current rate before transferring. Providers without a matching saved result are listed in the note below the table.
Comparing transfers from the United Kingdom to New Zealand
The starting point here is a GBP 200 transfer, with the recipient paid in NZD. That fixed amount makes the offers above easier to compare. Choosing a company also means checking how the payment is funded, what the recipient needs to collect it and what support is available if delivery takes longer than expected.
Today’s sample for this route contains 13 providers with a usable result, of which 1 qualifies as verified, standard bank-to-bank offers. There are not enough comparable offers today to calculate a meaningful price spread. Older receipts remain useful as dated references in the table above.
Put this route beside a useful comparison
Our United Kingdom–Australia, United Kingdom–Canada, United Kingdom–France routes use the same GBP 200 test amount and sending market. They are useful peers for checking how many providers we can observe and how widely their recipient amounts differ.
A higher number of NZD received cannot tell you whether this route is cheaper than one paying another currency. Compare the total cost against an appropriate exchange-rate benchmark, or compare offers within this route using the same budget and payout method.
Choose the payment method before the headline rate
For bank deposits in NZD, the receiving account format is Bank, branch, account and suffix components. The recipient checklist for New Zealand explains which identifiers to request. A transfer company using a local payment route may ask for different information from a bank sending a direct international wire.
Keep bank-funded and card-funded offers separate when comparing costs. Check whether the quoted fee is inside your sending budget or charged on top, then use the recipient amount on the final confirmation screen. A fee advertised as zero can still accompany an exchange-rate markup. Delivery estimates also depend on the funding method and any required checks.
Read the New Zealand receiving-account checklist →Read customer feedback for the problem you need solved
For a regular GBP 200 payment, look for reports about repeat transfers, recipient setup and resolving a delayed payment. For a larger one-off transfer, ask about limits, the documents required and how to reach a person before funding the transfer. A positive comment about an account or card does not establish that a company offers good value on GBP/NZD.
Our company reviews separate published customer feedback from the prices collected here. They show the source, review date and whether the feedback covers money transfers or a wider business. Use those themes to form questions for the provider; use a current quote to judge the price of this particular transfer.
Compare two companies’ fees, access and customer feedback →Sending NZD back the other way
The return journey, New Zealand to United Kingdom, is tested with NZD 1,650. That changes the sending market and the budget. A company available to customers in the United Kingdom may offer different products, fees or eligibility to customers in New Zealand.
Do not estimate the reverse transfer by turning an exchange rate upside down. Request a quote for the reverse direction, using its actual funding and payout methods. Compare the displayed fee and the amount the recipient will receive, including any disclosed receiving charges.
Compare New Zealand to United Kingdom →United Kingdom → AustraliaUnited Kingdom → CanadaUnited Kingdom → FranceUnited Kingdom → GermanyUnited Kingdom → Hong Kong
How does this route compare?
Choose another route to compare the evidence collected today. A wider range of offers gives you more prices to check; it does not guarantee a cheaper transfer.
United Kingdom → New Zealand
- Amount tested
- GBP 200
- Recipient currency
- NZD
- Providers with a result today
- 13
- Verified, standard bank offers today
- 1
- Recipient amount spread
- Not enough comparable evidence
Latest included receipt: 16 Oct 2026, 01:23 UTC.
See NZD offers and receipts →United Kingdom → Australia
- Amount tested
- GBP 200
- Recipient currency
- AUD
- Providers with a result today
- 17
- Verified, standard bank offers today
- 2
- Recipient amount spread
- 1.71%
Latest included receipt: 16 Oct 2026, 01:23 UTC.
See AUD offers and receipts →These routes use the same sending country, currency and test amount, which makes their coverage easier to compare. Recipient amounts in different currencies are not a common measure of value.
What does the spread measure?
We subtract the lowest recipient amount from the highest, divide by the highest, and express the difference as a percentage. The calculation needs at least two verified, standard bank-to-bank offers from today (UTC). It excludes introductory offers, indicative estimates and previous-day results. Each provider contributes its latest usable result.
This is the spread between our observed offers, not the exchange-rate margin or the total cost of sending money. Quotes can have different capture times and are not guaranteed to remain bookable. A zero spread means the included results match; it does not mean the transfer is free.
Comparison context prepared by the OMT research desk, 29 September 2026. Live figures use today’s UTC receipts; historical figures retain their stated study period.
BEFORE YOU PAY
Check the bank details for New Zealand
GB → NZ · NZD bank-account payout
Account formatBank, branch, account and suffix components
Ask the recipient forRecipient name · Bank and branch · Account and suffix
SWIFT/BICOften requested for a direct wire
Run a private format check +
Checked only in this browser. Nothing entered here is sent, logged or stored.
A format match cannot confirm the recipient, account ownership or that a payment is safe. Transfer companies may use local rails and ask for fewer fields than a direct bank wire.
HISTORY
What providers quoted before today
A fresh rate replaces the headline figure, not the record behind it.
CheckedProvider and transfer caseQuoted recipient amountEvidence
16 Oct 2026, 01:23 UTCWise £200.00 · bank transfer to bank deposit · indicativeNZ$468.09View proof
16 Oct 2026, 01:23 UTCSantander UK £200.00 · bank transfer to bank deposit · indicativeNZ$401.49View proof
16 Oct 2026, 01:23 UTCLloyds Bank Business £200.00 · bank transfer to bank deposit · indicativeNZ$426.19View proof
16 Oct 2026, 01:23 UTCNatWest Business £200.00 · bank transfer to bank deposit · indicativeNZ$424.57View proof
16 Oct 2026, 01:23 UTCStarling Bank £200.00 · bank transfer to bank deposit · verifiedNZ$456.55View proof
16 Oct 2026, 01:23 UTCInstarem £200.00 · bank transfer to bank deposit · promotion · indicativeNZ$469.82View proof
16 Oct 2026, 01:23 UTCXe £200.00 · bank transfer to bank deposit · indicativeNZ$471.60View proof
16 Oct 2026, 00:40 UTCRemitly £200.00 · bank transfer to bank deposit · indicativeNZ$463.50View proof
16 Oct 2026, 00:36 UTCPayPal £200.00 · bank transfer to bank deposit · indicativeNZ$441.49View proof
16 Oct 2026, 00:30 UTCNatWest £200.00 · bank transfer to bank deposit · indicativeNZ$460.99View proof
16 Oct 2026, 00:30 UTCRBS £200.00 · bank transfer to bank deposit · indicativeNZ$460.99View proof
16 Oct 2026, 00:21 UTCWestern Union £200.00 · bank transfer to bank deposit · indicativeNZ$458.61View proof
16 Oct 2026, 00:21 UTCOFX £200.00 · bank transfer to bank deposit · indicativeNZ$446.55View proof
15 Oct 2026, 22:20 UTCNationwide £200.00 · bank transfer to bank deposit · indicativeNZ$427.61View proof
15 Oct 2026, 21:15 UTCXoom £200.00 · bank transfer to bank deposit · indicativeNZ$457.75View proof
15 Oct 2026, 04:42 UTCWise £200.00 · bank transfer to bank deposit · indicativeNZ$467.83View proof
15 Oct 2026, 04:42 UTCSantander UK £200.00 · bank transfer to bank deposit · indicativeNZ$401.14View proof
15 Oct 2026, 04:42 UTCLloyds Bank Business £200.00 · bank transfer to bank deposit · indicativeNZ$425.81View proof
15 Oct 2026, 04:42 UTCNatWest Business £200.00 · bank transfer to bank deposit · indicativeNZ$424.34View proof
15 Oct 2026, 04:42 UTCStarling Bank £200.00 · bank transfer to bank deposit · verifiedNZ$456.37View proof
15 Oct 2026, 04:42 UTCInstarem £200.00 · bank transfer to bank deposit · promotion · indicativeNZ$469.64View proof
15 Oct 2026, 04:42 UTCXe £200.00 · bank transfer to bank deposit · indicativeNZ$471.38View proof
15 Oct 2026, 04:40 UTCRemitly £200.00 · bank transfer to bank deposit · indicativeNZ$464.14View proof
15 Oct 2026, 04:32 UTCPayPal £200.00 · bank transfer to bank deposit · indicativeNZ$441.32View proof