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Luxembourg
New Zealand
EUR

📈 Luxembourg to New Zealand Money Transfer Snapshot Today

  • Most NZD received for EUR 1,000 today: NZD 1,996.10 with Regency FX (Bank Account → Bank Account)
  • Best EUR to NZD exchange rate today: NZD 1.9978, offered by Wise
  • Number of money transfer providers compared: 15 providers offering 38 ways to send
  • Exchange rate range: NZD 1.9978 to NZD 1.9397
  • Potential savings on EUR 1,000: up to NZD 71.92, fees included
  • Zero fee transfers: 9 of 14 providers charge no fee for EUR 1,000
  • Number of deals and promo codes: 4, all exclusive to RemitFinder
  • Mid-marketⓘ The mid-market exchange rate (also called the interbank rate) is the real EUR to NZD exchange rate before providers add their margin or fees. exchange rate: 1 EUR = NZD 1.9981 (Updated about an hour ago)

See detailed Luxembourg to New Zealand money transfer comparison below.

Luxembourg to New Zealand money transfer providers that matched the search criteria

Best value
(*)★★ (*)★★ (*)★★ (*)★★ (*)★★
Read more about Regency FX
1,000 EUR =
1 996.10 NZD
Total cost 1.00 EUR (0.10%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
(*)★★ (*)★★ (*)★★ (*)★★ (*)★★
Read more about Cambridge Currencies
1,000 EUR =
1 993.10 NZD
Total cost 2.50 EUR (0.25%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
1,000 EUR =
1 993.10 NZD
Total cost 2.50 EUR (0.25%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
(*)★★ (*)★★ (*)★★ (*)★★ (*)★★
Read more about Airwallex
1,000 EUR =
1 987.20 NZD
Total cost 5.46 EUR (0.55%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.

📢 B2B transfers only

(*)★★ (*)★★ (*)★★ (*)★★ (*)★★
Read more about Wise
1,000 EUR =
1 986.11 NZD
Total cost 6.00 EUR (0.60%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
(*)★★ (*)★★ (*)★★ ( )★★ ( )★★
Read more about XE Money Transfer
1,000 EUR =
1 984.80 NZD
Total cost 6.66 EUR (0.67%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.

📢 New! Cash pickup available

(*)★★ (*)★★ (*)★★ (*)★★ (*)★★
Read more about Instarem
1,000 EUR =
1 984.20 NZD
Total cost 6.96 EUR (0.70%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
1,000 EUR =
1 983.11 NZD
Total cost 7.50 EUR (0.75%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
(*)★★ (*)★★ (*)★★ (*)★★ ( )★★
Read more about OFX
1,000 EUR =
≈1 981.95 NZDⓘ This provider does not publish its fee. We have estimated it from the average fee other providers charge for the same payment and delivery methods.
Total cost ≈ 8.09 EUR (0.81%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
1,000 EUR =
≈1 981.25 NZDⓘ This provider does not publish its fee. We have estimated it from the average fee other providers charge for the same payment and delivery methods.
Total cost ≈ 8.44 EUR (0.84%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
(*)★★ (*)★★ (*)★★ (*)★★ (*)★★
Read more about TorFX
1,000 EUR =
1 970.13 NZD
Total cost 14.00 EUR (1.40%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
(*)★★ (*)★★ (*)★★ (*)★★ (*)★★
Read more about Profee
1,000 EUR =
1 963.17 NZD
Total cost 17.51 EUR (1.75%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.

📢 Get promotional rate on your first transfer

(*)★★ (*)★★ (*)★★ (*)★★ ( )★★
Read more about MoneyGram
1,000 EUR =
1 948.50 NZD
Total cost 24.82 EUR (2.48%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
(*)★★ (*)★★ (*)★★ (*)★★ (*)★★
Read more about Ria Money Transfer
1,000 EUR =
1 924.18 NZD
Total cost 37.23 EUR (3.72%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.
Other ways to send money from Luxembourg to New Zealand

This provider doesn’t accept EUR 1,000, so it’s shown at the nearest amount it accepts.

Doesn't accept 1,000 EUR. Prices shown for 5,999 EUR.

(*)★★ (*)★★ (*)★★ (*)★★ (*)★★
Read more about Key Currency
5,999 EUR =
11 974.62 NZD
Total cost 6.00 EUR (0.10%) ⓘ Everything this transfer costs you: the fee plus the exchange rate markup, compared with the mid-market rate.

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💡What these rates mean for sending money to New Zealand from Luxembourg today

Compare top-rated money transfer providers to find the best way to remit money to New Zealand from Luxembourg. Check today's EUR to NZD exchange rates and fees, read detailed provider reviews, and discover exclusive deals and promo codes.

RemitFinder compared 15 providers offering 38 ways to send for Luxembourg to New Zealand money transfers today. Here is what the competition looks like right now:

Today's Most Competitive Providers to Transfer Money to New Zealand from Luxembourg

🥇 Regency FX with NZD 1,996.10 for EUR 1,000 (most NZD received today).

🥈 Cambridge Currencies offering NZD 1,993.10.

🥉 Rutland FX & Airwallex are also offering good value on EUR-NZD transfers today.

The 14 providers that accept EUR 1,000 today offer exchange rates from NZD 1.9397 to NZD 1.9978. Once fees are included, a EUR 1,000 transfer from Luxembourg to New Zealand delivers between NZD 1,924.18 and NZD 1,996.10. That means up to NZD 71.92 more for your recipient — simply by choosing the right provider.

How you pay matters too: paying by Credit Card instead of Bank Account costs NZD 27.70 more with Wise, for the same Bank Account delivery.

Euro to New Zealand Dollar exchange rates and fees change throughout the day, and top-ranked providers can change quickly. Even a small difference in the rate or fee can significantly change how much NZD your recipient receives in New Zealand.

Compare the providers above to maximize every EUR you send to New Zealand. The provider that pays the most for Euro to New Zealand Dollar transfers changes daily, so comparing today matters.


🔄 Looking for the reverse corridor? Send money from New Zealand to Luxembourg instead.

Looking for a different option? You can browse all sending countries on our send money from hub, or view all destinations available when sending money from Luxembourg.




Sending money from Luxembourg to New Zealand: what today's data shows

RemitFinder compares 15 providers and 38 ways to send money from Luxembourg to New Zealand. The mid-market rate is NZD 1.9981 per EUR. 10 providers have no-fee options. The fastest published delivery is instant.


🧭 What is the best way to send money to New Zealand from Luxembourg?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 15 providers offering 38 ways to send Euro (EUR) to New Zealand Dollar (NZD).


🔀 Ways to receive:

Receive byProviders
Bank Account13
Cash Pickup2
Debit Card1

Bank Account is the most widely offered way to receive, with 13 providers, followed by Cash Pickup (2) and Debit Card (1).


💱 How to get the best EUR to NZD exchange rate?

The mid-market Euro to New Zealand Dollar rate today is NZD 1.9981 per EUR. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.

At that rate, EUR 1,000 is NZD 1,998.10, and each 1% of markup costs about NZD 19.98.

  • 📊 Rates run from NZD 1.8896 to NZD 1.9978 per EUR across all amounts. The top three rates are from Wise (NZD 1.9978 for transfers of EUR 1.28 to EUR 1,000,000), Cambridge Currencies (NZD 1.9961 for transfers from EUR 25,001) and Key Currency (NZD 1.9961 for transfers from EUR 5,999).
  • 📏 Typical markup: 0.35%. The median provider's best rate is 0.35% below the mid-market rate.
  • 📈 Bigger transfers get better rates with 5 providers.
    • Cambridge Currencies gives NZD 1.9961 per EUR for transfers from EUR 25,001, compared with NZD 1.9931 for transfers up to EUR 5,000.
    • Currency Solutions gives NZD 1.9911 per EUR for transfers from EUR 150,001, compared with NZD 1.9831 for transfers up to EUR 25,000.
    • Instarem gives NZD 1.9872 per EUR for transfers from EUR 50,000, compared with NZD 1.9828 for transfers up to EUR 499.99.
    • Rutland FX gives NZD 1.9961 per EUR for transfers from EUR 2,999.50, compared with NZD 1.9931 for transfers up to EUR 2,998.30.
    • TorFX gives NZD 1.9945 per EUR for transfers from EUR 200,001, compared with NZD 1.9701 for transfers up to EUR 2,000.

How your recipient gets the money changes the rate. The median provider's best rate is 0.18% below the mid-market rate for money received in a Bank Account, 1.53% below it on a Debit Card and 2.70% below it as Cash Pickup.


💸 What is the cheapest way to send money to New Zealand from Luxembourg?

It depends on the amount: fees and exchange rates change with how much you send, so the cards above rank every way to send at the amount you enter.

  • 🆓 10 providers charge no fee on some ways to send or some amounts: Airwallex, Cambridge Currencies, Currency Solutions, Instarem, Key Currency, MoneyGram, Regency FX, Rutland FX, TorFX and XE Money Transfer.

🏦 How to send money from Luxembourg to New Zealand through a bank?

15 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 13 providers.

  • ⏱️ Money typically arrives in a Bank Account in 2–4 days, and Airwallex publishes delivery in about 2 hours.
  • 🧾 What you need: the recipient's full name, bank name and account number, plus the bank's code.

Find the bank code: SWIFT codes for banks in New Zealand.


⚡ How to send money from Luxembourg to New Zealand fast?

The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup).

Receive byTypicallyFastest published (top 3)
Bank Account2–4 days
  1. Airwallex about 2 hours
  2. Currency Solutions about 1 day
  3. Wise about 1 day
Cash Pickupwithin 2 hours
  1. MoneyGram instant
Debit Card1–2 daysnot published

By the times providers publish, money can arrive in about 2 hours in a Bank Account and instantly as Cash Pickup. Where no time is published, money typically arrives on a Debit Card in 1–2 days.

  • ⚡ How you pay can change the speed. With one provider, money arrives as Cash Pickup instantly when you pay by Credit Card, compared with within 30 minutes when you pay by Trustly.

Delivery times are those providers publish, or typical times for the delivery method where they publish none. Actual times can vary with identity checks, bank cut-off times and public holidays.


🏆 Which are the best money transfer companies to send money to New Zealand from Luxembourg?

There's no single best company: it depends on the amount and how you send. These are today's standouts, each by a measured figure.

  • 💱 Wise, Cambridge Currencies and Key Currency offer the highest exchange rates, from NZD 1.9961 to NZD 1.9978 per EUR.
  • 🔀 Ria Money Transfer offers the most ways to send (10), followed by Profee (6) and Wise (5).
  • 💵 MoneyGram and Ria Money Transfer offer Cash Pickup in New Zealand.
  • 🆓 10 providers have no-fee options.
  • ⚡ MoneyGram publishes the fastest delivery: instant.
  • 🎁 3 providers have RemitFinder deals for this corridor.

Below are the details for each provider, in alphabetical order: its exchange rate, fees, ways to pay and receive, delivery times, limits and what your recipient gets.

Airwallex EUR to NZD exchange rate today

  • 💱 Airwallex's Euro to New Zealand Dollar exchange rate is NZD 1.9872 per EUR, 0.55% below the mid-market rate.
  • 💸 Airwallex charges no fee.
  • 🏦 With Airwallex, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
  • ⏱️ With Airwallex, money arrives in a Bank Account in about 2 hours.

Cambridge Currencies EUR to NZD exchange rate today

  • 💱 Cambridge Currencies' Euro to New Zealand Dollar exchange rate runs from NZD 1.9931 to NZD 1.9961 per EUR. Its best rate applies to transfers from EUR 25,001 and is 0.10% below the mid-market rate.
  • 💸 Cambridge Currencies charges no fee.
  • 🏦 With Cambridge Currencies, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
  • ⏱️ With Cambridge Currencies, money arrives in a Bank Account typically in 2–4 days.

Currency Solutions EUR to NZD exchange rate today

  • 💱 Currency Solutions' Euro to New Zealand Dollar exchange rate runs from NZD 1.9831 to NZD 1.9911 per EUR. Its best rate applies to transfers from EUR 150,001 and is 0.35% below the mid-market rate.
  • 💸 Currency Solutions charges no fee.
  • 🏦 With Currency Solutions, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
  • ⏱️ With Currency Solutions, money arrives in a Bank Account in about 1 day.
  • 📏 Currency Solutions accepts transfers from EUR 1,000 per transfer.

CurrencyFair EUR to NZD exchange rate today

  • 💱 CurrencyFair's Euro to New Zealand Dollar exchange rate is NZD 1.984 per EUR, 0.71% below the mid-market rate.
  • 💸 CurrencyFair's fee is not published for EUR to NZD transfers, so amounts here include an estimated fee.
  • 🏦 With CurrencyFair, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
  • ⏱️ With CurrencyFair, money arrives in a Bank Account typically in 2–4 days.
  • 📏 CurrencyFair accepts EUR 100 to EUR 99,000,000 per transfer.
  • 🎁 RemitFinder exclusive for CurrencyFair: First 3 transfers free for RemitFinder users.

Instarem EUR to NZD exchange rate today

  • 💱 Instarem's Euro to New Zealand Dollar exchange rate runs from NZD 1.9828 to NZD 1.9872 per EUR. Its best rate applies to transfers from EUR 50,000 and is 0.55% below the mid-market rate.
  • 💸 Instarem charges no fee when you pay from a Bank Account and 0.2% when you pay by Debit Card.
  • 🏦 With Instarem, you pay from a Bank Account or by Debit Card, and your recipient gets the money in a Bank Account.
  • ⏱️ With Instarem, money arrives in a Bank Account within 2 days.

Key Currency EUR to NZD exchange rate today

  • 💱 Key Currency's Euro to New Zealand Dollar exchange rate is NZD 1.9961 per EUR, 0.10% below the mid-market rate.
  • 💸 Key Currency charges no fee.
  • 🏦 With Key Currency, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
  • ⏱️ With Key Currency, money arrives in a Bank Account typically in 2–4 days.
  • 📏 Key Currency accepts transfers from EUR 5,999 per transfer.

MoneyGram EUR to NZD exchange rate today

  • 💱 MoneyGram's Euro to New Zealand Dollar exchange rate runs from NZD 1.8896 to NZD 1.9485 per EUR. Its best rate applies to transfers up to EUR 1,000 and is 2.48% below the mid-market rate.
  • 💸 MoneyGram charges no fee.
  • 🏦 With MoneyGram, you pay by Credit Card, by Debit Card or by Trustly, and your recipient gets the money as Cash Pickup.
  • ⏱️ With MoneyGram, money arrives as Cash Pickup instantly.
  • 📏 MoneyGram accepts up to EUR 6,150 per transfer.

OFX EUR to NZD exchange rate today

  • 💱 OFX's Euro to New Zealand Dollar exchange rate is NZD 1.9847 per EUR, 0.67% below the mid-market rate.
  • 💸 OFX's fee is not published for EUR to NZD transfers, so amounts here include an estimated fee.
  • 🏦 With OFX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
  • ⏱️ With OFX, money arrives in a Bank Account typically in 2–4 days.
  • 🎁 RemitFinder exclusive for OFX: Get 10 free transfers.

Profee EUR to NZD exchange rate today

  • 💱 Profee's Euro to New Zealand Dollar exchange rate is NZD 1.9675 per EUR, 1.53% below the mid-market rate.
  • 💸 Profee charges 0.1% + EUR 1.20 when you pay from a Bank Account, by Debit Card, with Google Pay, with Apple Pay or by SEPA and 1.25% + EUR 1.19 when you pay by Klarna.
  • 🏦 With Profee, you pay from a Bank Account, by Debit Card, with Google Pay, with Apple Pay, by Klarna or by SEPA, and your recipient gets the money on a Debit Card.
  • ⏱️ With Profee, money arrives on a Debit Card typically in 1–2 days.
  • 📏 Profee accepts transfers from EUR 1.20 per transfer.
  • 🎁 RemitFinder exclusives for Profee: Refer a friend: earn EUR 25, they earn EUR 5; Get 0 fee on first transfer.

Regency FX EUR to NZD exchange rate today

  • 💱 Regency FX's Euro to New Zealand Dollar exchange rate is NZD 1.9961 per EUR, 0.10% below the mid-market rate.
  • 💸 Regency FX charges no fee.
  • 🏦 With Regency FX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
  • ⏱️ With Regency FX, money arrives in a Bank Account typically in 2–4 days.

Ria Money Transfer EUR to NZD exchange rate today

  • 💱 Ria Money Transfer's Euro to New Zealand Dollar exchange rate is NZD 1.9397 per EUR, 2.92% below the mid-market rate.
  • 💸 Ria Money Transfer charges 2% + EUR 1 (EUR 5 from EUR 200, EUR 8 from EUR 700.01, EUR 10 from EUR 1,000.01, 0.67% from EUR 1,500, EUR 12 from EUR 1,800, EUR 15 from EUR 2,000.01, 0.3% + EUR 6 from EUR 3,000).
  • 🏦 With Ria Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card, with Google Pay or with Apple Pay, and your recipient gets the money in a Bank Account or as Cash Pickup.
  • ⏱️ With Ria Money Transfer, money arrives in a Bank Account typically in 2–4 days and as Cash Pickup typically within 2 hours.
  • 📏 Ria Money Transfer accepts EUR 100 to EUR 5,000 per transfer.

Rutland FX EUR to NZD exchange rate today

  • 💱 Rutland FX's Euro to New Zealand Dollar exchange rate runs from NZD 1.9931 to NZD 1.9961 per EUR. Its best rate applies to transfers from EUR 2,999.50 and is 0.10% below the mid-market rate.
  • 💸 Rutland FX charges no fee.
  • 🏦 With Rutland FX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
  • ⏱️ With Rutland FX, money arrives in a Bank Account typically in 2–4 days.

TorFX EUR to NZD exchange rate today

  • 💱 TorFX's Euro to New Zealand Dollar exchange rate runs from NZD 1.9701 to NZD 1.9945 per EUR. Its best rate applies to transfers of EUR 200,001 to EUR 999,999,999 and is 0.18% below the mid-market rate.
  • 💸 TorFX charges no fee.
  • 🏦 With TorFX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
  • ⏱️ With TorFX, money arrives in a Bank Account typically in 2–4 days.
  • 📏 TorFX accepts up to EUR 999,999,999 per transfer.

Wise EUR to NZD exchange rate today

  • 💱 Wise's Euro to New Zealand Dollar exchange rate is NZD 1.9978 per EUR, 0.02% below the mid-market rate.
  • 💸 Wise's fee depends on how you pay and how much you send.
  • 🏦 With Wise, you pay from a Bank Account, by Credit Card, by Debit Card, with Apple Pay or by iDeal, and your recipient gets the money in a Bank Account.
  • ⏱️ With Wise, money arrives in a Bank Account in about 1 day.
  • 📏 Wise accepts EUR 1.28 to EUR 1,000,000 per transfer.

XE Money Transfer EUR to NZD exchange rate today

  • 💱 XE Money Transfer's Euro to New Zealand Dollar exchange rate runs from NZD 1.9836 to NZD 1.9957 per EUR. Its best rate applies to transfers of EUR 500 to EUR 500 and is 0.12% below the mid-market rate.
  • 💸 XE Money Transfer charges no fee.
  • 🏦 With XE Money Transfer, you pay from a Bank Account, by Credit Card or by Debit Card, and your recipient gets the money in a Bank Account.
  • ⏱️ With XE Money Transfer, money arrives in a Bank Account typically in 2–4 days.

Limits are those providers publish to RemitFinder. What you can actually send depends on the provider's checks, your account and the rules in both countries.



🪜 Step by step guide to send money from Luxembourg to New Zealand

  1. Compare providers. RemitFinder lists 15 providers and 38 ways to send; the cards above rank them for your amount.
  2. Choose how to pay. You can pay from a Bank Account, by Trustly, by iDeal, by Klarna, by SEPA, by Credit Card, by Debit Card, with Apple Pay or with Google Pay.
  3. Choose how your recipient gets the money. Bank Account (13 providers), Cash Pickup (2 providers) or Debit Card (1 provider).
  4. Check the limits. Published maximums start at EUR 5,000 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
  5. Sign up and verify your identity. Providers need ID before your first transfer.
  6. Add your recipient's details. Name and Bank Account details, or their name as on their ID for Cash Pickup. Find the bank code: SWIFT codes for banks in New Zealand.
  7. Pay and track the transfer. The fastest published delivery arrives instantly. Money typically arrives in a Bank Account in 2–4 days.


Frequently Asked Questions: Sending money to New Zealand from Luxembourg

These FAQs use data from RemitFinder's live comparison of 15 providers for Luxembourg to New Zealand money transfers.

  • How do I send money from Luxembourg to New Zealand?

  • What is the best way to send money to New Zealand from Luxembourg?

  • What is the cheapest way to send money to New Zealand?

  • What is the EUR to NZD exchange rate today?

  • How can I send cash to New Zealand from Luxembourg?

  • What is the fastest way to send money to New Zealand?

  • Can I send money from Luxembourg to New Zealand instantly?

  • How much money can I send to New Zealand from Luxembourg?

  • Can I send money to New Zealand without fees?

  • Which providers send money from Luxembourg to New Zealand?

  • Which app is best to send money to New Zealand?

  • Why do providers charge different amounts to send money to New Zealand?



Latest Exchange Rates for Sending Money to New Zealand from Luxembourg

Here are some latest EUR to NZD (Euro to New Zealand Dollar) exchange rates for popular conversion amounts*.

1 EUR2.00 NZD
5 EUR9.99 NZD
10 EUR19.98 NZD
25 EUR49.95 NZD
50 EUR99.91 NZD
100 EUR199.81 NZD
150 EUR299.72 NZD
200 EUR399.62 NZD
250 EUR499.53 NZD
300 EUR599.43 NZD
400 EUR799.24 NZD
500 EUR999.05 NZD
600 EUR1,198.86 NZD
700 EUR1,398.67 NZD
800 EUR1,598.48 NZD
1000 EUR1,998.10 NZD
1500 EUR2,997.15 NZD
2000 EUR3,996.20 NZD
2500 EUR4,995.25 NZD
3000 EUR5,994.30 NZD
4000 EUR7,992.40 NZD
5000 EUR9,990.50 NZD
10000 EUR19,981.00 NZD
15000 EUR29,971.50 NZD
20000 EUR39,962.00 NZD
30000 EUR59,943.00 NZD
40000 EUR79,924.00 NZD
50000 EUR99,905.00 NZD
100000 EUR199,810.00 NZD

*Based on the Mid-market Exchange Rateⓘ The mid-market exchange rate (also called the interbank rate) is the real EUR to NZD exchange rate before providers add their margin or fees. . Actual payout may vary based on the chosen money transfer provider.