Send Money from New Zealand to Fiji

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Fijian dollars rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Western Union can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are bank deposit, cash pickup, mobile wallet and card payout. The most widely used options in Fiji are mobile money (M-PAiSA, Digicel MyCash), plus bank deposit and cash pickup. Wise is unusually expensive and slow on this corridor by its own published quote, while Taptap Send charges no transfer fee at all — so compare the exchange rate rather than the fee line. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Fiji, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, mobile money (M-PAiSA, Digicel MyCash), plus bank deposit and cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For NZD to FJD, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in New Zealand under the Financial Markets Authority, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly NZ$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Treat the Wise row on this page with care. Wise's support centre does not list this destination among the countries it can send to, and answers that gap directly: a recipient in a country off the list can be reached "if their account is denominated in USD, EUR or GBP". Wise's marketing page for this same corridor says the opposite — that the recipient is paid in local currency from a Wise local bank account — but that sentence is templated and appears word for word on destinations that are on the list and destinations that are not. The pricing points the same way as the support centre: across the corridors on this site the median Wise fee is about 1 percent of the amount sent where the currency is on its supported list, against about 4.5 percent where it is missing. The figure shown here is real; what is not settled is whether the money can arrive as local currency. Confirm that with Wise before relying on it. Western Union publishes a warning most services leave out: an M-PAiSA transfer may attract SMS and cash-out charges applied by the mobile operator or the wallet itself, on top of anything the transfer service charges. That cost sits outside every comparison, including this one, so ask your recipient what their wallet deducts before choosing the rail. At about 48.78 NZD on 1,000 NZD, Wise's cheapest method here is nearly five percent of the transfer. That is the Pacific rather than the provider — but it is a reason to compare what arrives rather than assume any service is cheap on this route. Wise's own table again shows a bank transfer costing less than funding from a Wise balance, 48.78 against 49.57. That is the second New Zealand corridor where the usual advice does not hold. Western Union's Fijian cash network is just over 100 locations. For a country spread across many islands that is worth checking against where your recipient actually lives.