Australia to New Zealand public price check
A fixed A$1,000 public price check for New Zealand comparing a Remitly welcome offer, Xe's public sending rate and a Wise account quote.
Recorded and reviewed by Klaus Thorup
Amount checked
A$1,000.00
Reference rate
1 AUD = 1.199 NZD
Before provider cost
NZ$1,199.20
What this check found
Remitly's first-transfer PayTo offer delivered the most in this public check. Xe and Wise were close on their non-promotional prices, with different fee presentation.
Recorded public prices
These are selected prices that were visible without completing a transfer. They are not a complete provider ranking. A welcome offer and an ongoing account price answer different questions.
| Provider and offer | Funding | Payout | Fee | Rate | Recipient gets | Vs reference |
|---|---|---|---|---|---|---|
| RemitlyNew-customer PayTo ratePublic provider quote | PayTo | New Zealand bank deposit | A$0.00 | 1.204 | NZ$1,203.90 | +NZ$4.70 |
| XePublic sending ratePublic provider quote | Bank transfer | New Zealand bank account | A$0.00 | 1.195 | NZ$1,194.90 | -NZ$4.30 |
| WiseWise account balanceWise API quote | Money held in a Wise account | New Zealand bank account | A$4.44 | 1.199 | NZ$1,193.91 | -NZ$5.29 |
Remitly: New customers only; promotional rate applies to the first A$1,000.
Xe: The public rate changes and a signed-in quote can depend on customer and payment details.
Wise: Osko, bank transfer and card funding have different fees.
How to read the result
- Reference amount: what the recipient would get with the recorded market rate and no provider cost.
- Positive difference: can reflect a temporary promotion or a small timing gap between independently updating public pages. Read the row limitation before treating it as a saving.
- Negative difference: the combined effect of the visible fee and any rate difference.
- Scope: only the funding and payout description in the row. A different method is a different price.
Continue the research
Read the local payment guide before choosing a payout method, then reproduce the current comparison. The comparison contains more providers, but most of those rows are stored pricing models rather than route-specific public quotes.