Loading page
FX live, 150 of 153 currencies refreshed 21 Oct 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Transfer services from New Zealand to India ranked by what they actually cost, at several amounts, because a flat fee and a percentage swap places as the amount grows.
3 services recorded as able to send from 🇳🇿 New Zealand and priced in 🇮🇳 India.
Wise International transfer
MoneyGram
on a $100.00 transfer
Cost shown on a $100.00 transfer.
$5.02
5.02% effective
EstimateA flat fee is punishing on a small transfer and almost free on a large one, while a percentage does the opposite. The cheapest option is not the same at every amount.
| Service | $100.00 | $500.00 | $1,000.00 | $5,000.00 |
|---|---|---|---|---|
| Wise International transfer | $0.90 | $3.10 | $5.85 | $27.85 |
| MoneyGram | $5.02 | $17.02 | $32.02 | $152.02 |
| Western Union | $6.03 | $20.03 | $37.53 | $177.53 |
Bold is the cheapest option at that amount. Figures exclude the provider’s exchange-rate margin, which UnifyPay does not yet track and which on many remittance rails costs more than the fee itself.
Of the 3 services recorded on this corridor, Wise International transfer is the cheapest on a $100.00 transfer at about $0.90, which is 0.90% of the amount. Larger amounts can change the order, because flat fees and percentages do not scale together.
MoneyGram is the quickest recorded here, settling instant. Settlement times are the provider's own stated target and can be longer when a transfer is held for checks.
On a $100.00 transfer the gap between the cheapest and the most expensive recorded option is $5.12, which is the difference between Wise International transfer and Western Union.
A service appears here only where it is recorded as able to send from New Zealand and has a current fee on file in India. Corridors we cannot evidence get no page at all, rather than an empty one.
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.
since 30 May 2024
