How do I send money from USA to Cook Islands?

Compare 11 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.

How much can I save by comparing providers to send money to Cook Islands?

At USD 1,000, your recipient gets between NZD 1,640.95 and NZD 1,777.30, depending on the provider and how you send. Comparing can get them NZD 136.35 more on one transfer. XE Money Transfer gives the most today, paying by ACH, received in a Bank Account.

What is the USD to NZD exchange rate today?

The mid-market rate is NZD 1.7706 per USD. Providers' rates run from NZD 1.715 to NZD 1.7781.

Can I get a better rate than the mid-market USD to NZD rate?

Yes. Wise, XE Money Transfer and Revolut offer a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.

Exchange rate or fee: what matters more when you send money to Cook Islands?

At USD 200, the typical fee is 1.50% of the amount, and the typical exchange rate has a markup of 0.47%. At USD 5,000, the typical fee is 0.06% of the amount, and the typical exchange rate has a markup of 0.47%. So the fee matters more on small transfers, and the exchange rate on large ones. Compare both: the cards above rank every way to send with both included.

Does sending more money to Cook Islands lower the cost?

Yes. The typical total cost is 2.80% at USD 200, 1.10% at USD 1,000 and 0.95% at USD 5,000. Cambridge Currencies, Currency Solutions and TorFX give a better exchange rate on larger transfers.

Is Debit Card cheaper than Credit Card for sending money to Cook Islands?

Yes. At USD 1,000, paying by Debit Card has a typical total cost of 0.95%, compared with 3.95% paying by Credit Card. On USD 1,000, that difference is worth about NZD 53 more to your recipient. Your card issuer may also charge a cash advance fee when you pay by Credit Card.

Is Bank Account cheaper than Cash Pickup for sending money to Cook Islands?

Yes. At USD 1,000, receiving in a Bank Account has a typical total cost of 0.86%, compared with 3.14% receiving as Cash Pickup. On USD 1,000, that difference is worth about NZD 40 more to your recipient. Money typically arrives in a Bank Account in 2–4 days, and Cash Pickup is typically ready within 2 hours.

How can I send cash to Cook Islands from USA?

Ria Money Transfer and Western Union offer Cash Pickup in Cook Islands. Cash Pickup is typically ready within 2 hours.

What is the fastest way to send money to Cook Islands?

By their published times, Revolut delivers fastest, instantly.

Can I send money from USA to Cook Islands instantly?

Yes. Revolut publishes delivery within an hour on some ways to send. On USD 1,000, the most your recipient gets that fast is NZD 1,774.00, with Revolut (paying by Revolut Account, received by Revolut Account).

How much money can I send to Cook Islands from USA?

Each provider sets its own limits. The lowest published maximum is USD 29,999.99, and 7 of 11 providers publish no maximum. Checks and the rules in both countries also apply.

Can I send money to Cook Islands without fees?

Yes, with Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Revolut, TorFX, Western Union and XE Money Transfer on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.

Which providers send money from USA to Cook Islands?

RemitFinder compares 11 providers: Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, OFX, Revolut, Ria Money Transfer, TorFX, Western Union, Wise and XE Money Transfer.

Which app is best to send money to Cook Islands?

It depends on your amount and how you pay. RemitFinder compares 11 providers and ranks every way to send for the amount you enter.

Why do providers charge different amounts to send money to Cook Islands?

Each provider sets its own exchange-rate markup and fees, and both can change with how you pay, how your recipient gets the money and how much you send. At USD 1,000, 1 of the 4 providers that offer more than one way to pay changes the rate with it.

Best Way to Send Money from USA to Cook Islands: USD to NZD

Send money overseas with Taptap Send to take advantage of bank-beating exchange rates

📈 USA to Cook Islands Money Transfer Snapshot Today

Most NZD received for USD 1,000 today: NZD 1,777.30 with XE Money Transfer (ACH → Bank Account)
Best USD to NZD exchange rate today: NZD 1.7781, offered by Wise
Number of money transfer providers compared: 11 providers offering 43 ways to send
Exchange rate range: NZD 1.7781 to NZD 1.7458
Potential savings on USD 1,000: up to NZD 31.49, fees included
Zero fee transfers: 7 of 10 providers charge no fee for USD 1,000
Number of deals and promo codes: 5, all exclusive to RemitFinder
Mid-market^ⓘ The mid-market exchange rate (also called the interbank rate) is the real USD to NZD exchange rate before providers add their margin or fees. exchange rate: 1 USD = NZD 1.7706 (Updated about an hour ago)

See detailed USA to Cook Islands money transfer comparison below.

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💡What these rates mean for sending money to Cook Islands from United States today

Compare top-rated money transfer providers to find the best way to remit money to Cook Islands from United States. Check today's USD to NZD exchange rates and fees, read detailed provider reviews, and discover exclusive deals and promo codes.

RemitFinder compared 11 providers offering 43 ways to send for USA to Cook Islands money transfers today. Here is what the competition looks like right now:

Today's Most Competitive Providers to Transfer Money to Cook Islands from USA

🥇 XE Money Transfer with NZD 1,777.30 for USD 1,000 (most NZD received today).

🥈 Revolut offering NZD 1,774.00.

🥉 Airwallex & Cambridge Currencies are also offering good value on USD-NZD transfers today.

The 10 providers that accept USD 1,000 today offer exchange rates from NZD 1.7458 to NZD 1.7781. Once fees are included, a USD 1,000 transfer from USA to Cook Islands delivers between NZD 1,745.81 and NZD 1,777.30. That means up to NZD 31.49 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 97.99 more with Wise, for the same Bank Account delivery.

US Dollar 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 Cook Islands.

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

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 USA.

Sending money from USA to Cook Islands: what today's data shows

RemitFinder compares 11 providers and 43 ways to send money from USA to Cook Islands. The mid-market rate is NZD 1.7706 per USD. 8 providers have no-fee options. The fastest published delivery is instant.

🧭 What is the best way to send money to Cook Islands from USA?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 11 providers offering 43 ways to send US Dollar (USD) to New Zealand Dollar (NZD).

💰 Most NZD received today, by amount sent:

You send	Top three providers: what your recipient gets
USD 200	XE Money Transfer NZD 355.48 ACH → Bank Account Revolut NZD 354.80 Revolut Account → Revolut Account Airwallex NZD 353.82 Bank Account → Bank Account
USD 1,000	XE Money Transfer NZD 1,777.30 ACH → Bank Account Revolut NZD 1,774.00 Revolut Account → Revolut Account Airwallex NZD 1,769.10 Bank Account → Bank Account
USD 5,000	XE Money Transfer NZD 8,877.00 ACH → Bank Account Revolut NZD 8,870.00 Revolut Account → Revolut Account Wise NZD 8,849.98 Bank Account → Bank Account

Four providers rank in the top three at one or more of these amounts: XE Money Transfer, Revolut, Airwallex and Wise.

At USD 1,000, the top three providers are XE Money Transfer, Revolut and Airwallex, giving NZD 1,777.30, NZD 1,774.00 and NZD 1,769.10 respectively. NZD 8.20 separates XE Money Transfer in first place from Airwallex in third.

The leaders change with the amount you send. Compare providers at your own amount: the cards above rank every way to send for it, fees included.

🔀 Ways to receive, with the most received at USD 1,000:

Receive by	Providers	Most received (top 3)
Bank Account	11	XE Money Transfer NZD 1,777.30 Airwallex NZD 1,769.10 Cambridge Currencies NZD 1,766.17
Cash Pickup	2	Ria Money Transfer NZD 1,753.39 Western Union NZD 1,715.00
Debit Card	1	Western Union NZD 1,755.00
Revolut Account	1	Revolut NZD 1,774.00

Bank Account is the most widely offered way to receive, with 11 providers, followed by Cash Pickup (2), Debit Card (1) and Revolut Account (1). At USD 1,000, receiving in a Bank Account gets your recipient the most: up to NZD 1,777.30.

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

The mid-market US Dollar to New Zealand Dollar rate today is NZD 1.7706 per USD. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.

At that rate, USD 1,000 is NZD 1,770.60, and each 1% of markup costs about NZD 17.71.

📊 Rates run from NZD 1.715 to NZD 1.7781 per USD across all amounts. The top three rates are from Wise (NZD 1.7781 for transfers of USD 7.37 to USD 1,000,000), XE Money Transfer (NZD 1.7774 for transfers up to USD 300) and Revolut (NZD 1.774 for transfers of USD 244.11 to USD 100,000).
📏 Typical markup: 0.10%. The median provider's best rate is 0.10% below the mid-market rate.
✅ 3 providers offer a rate above the mid-market rate on some amounts: Revolut, Wise and XE Money Transfer.
📈 Bigger transfers get better rates with 3 providers.
- Cambridge Currencies gives NZD 1.7688 per USD for transfers from USD 25,001, compared with NZD 1.7662 for transfers up to USD 5,000.
- Currency Solutions gives NZD 1.7644 per USD for transfers from USD 150,001, compared with NZD 1.7573 for transfers up to USD 25,000.
- TorFX gives NZD 1.7674 per USD for transfers from USD 200,001, compared with NZD 1.7458 for transfers up to USD 2,000.
💳 How you pay rarely changes the rate. At USD 1,000, 3 of the 4 providers that offer more than one way to pay give the same rate whichever you choose. Payment methods differ mostly in their fees.

How your recipient gets the money changes the rate. The median provider's best rate is 0.19% above the mid-market rate for money received by Revolut Account, 0.10% below it in a Bank Account, 0.88% below it on a Debit Card and 1.81% below it as Cash Pickup.

💸 What is the cheapest way to send money to Cook Islands from USA?

At USD 1,000, the three cheapest providers today are XE Money Transfer (paying by ACH, received in a Bank Account), Revolut (paying by Revolut Account, received by Revolut Account) and Airwallex (paying from a Bank Account, received in a Bank Account). With these providers, your recipient gets NZD 1,777.30, NZD 1,774.00 and NZD 1,769.10 respectively.

💸 Total cost (fee + exchange-rate markup) by amount:

You send	Three cheapest providers (total cost)	Typical total cost
USD 200	XE Money Transfer −0.38% Revolut −0.19% Airwallex 0.08%	2.80%
USD 1,000	XE Money Transfer −0.38% Revolut −0.19% Airwallex 0.08%	1.10%
USD 5,000	XE Money Transfer −0.27% Revolut −0.19% Wise 0.03%	0.95%

Below zero (−) is better than the mid-market rate^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

The typical total cost is 2.80% at USD 200, 1.10% at USD 1,000 and 0.95% at USD 5,000, so larger transfers cost less. At USD 1,000, two of the three cheapest providers have a total cost below zero, so your recipient gets more than at the mid-market rate.

Total cost is the fee plus the exchange-rate markup, as a share of the amount sent.

💳 Cheapest way to pay, at USD 1,000:

Pay with	Typical total cost	Cheapest providers
Bank Account	0.57%	XE Money Transfer, Airwallex and Cambridge Currencies
ACH	0.91%	XE Money Transfer and Western Union
Debit Card	0.95%	XE Money Transfer, Ria Money Transfer and Western Union
Apple Pay	1.46%	Ria Money Transfer, Western Union and Wise
Revolut Account	3.56%	Revolut
Google Pay	3.88%	Ria Money Transfer and Western Union
Credit Card	3.95%	XE Money Transfer, Ria Money Transfer and Western Union

Paying from a Bank Account has the lowest typical total cost at USD 1,000 (0.57%), and paying by Credit Card the highest (3.95%). On USD 1,000, that difference is worth about NZD 60 more to your recipient.

🏦 Cheapest way to receive, at USD 1,000:

Receive by	Typical total cost	Cheapest providers
Revolut Account	−0.19%	Revolut
Bank Account	0.86%	XE Money Transfer, Airwallex and Cambridge Currencies
Debit Card	0.88%	Western Union
Cash Pickup	3.14%	Ria Money Transfer and Western Union

Receiving by Revolut Account has the lowest typical total cost at USD 1,000 (−0.19%), and receiving as Cash Pickup the highest (3.14%). On USD 1,000, that difference is worth about NZD 59 more to your recipient.^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

🔗 Cheapest pay and receive combinations, at USD 1,000:

Pay with → Receive by	Typical total cost	Cheapest providers
Revolut Account → Revolut Account	−0.19%	Revolut
ACH → Bank Account	0.29%	XE Money Transfer and Western Union
Bank Account → Bank Account	0.48%	XE Money Transfer, Airwallex and Cambridge Currencies
Debit Card → Bank Account	0.86%	XE Money Transfer, Ria Money Transfer and Western Union
Debit Card → Debit Card	0.88%	Western Union
Apple Pay → Debit Card	0.88%	Western Union
ACH → Debit Card	0.88%	Western Union
Apple Pay → Bank Account	0.95%	Ria Money Transfer, Western Union and Wise
Bank Account → Cash Pickup	0.97%	Ria Money Transfer
Google Pay → Bank Account	2.36%	Ria Money Transfer and Western Union
Debit Card → Cash Pickup	2.56%	Ria Money Transfer and Western Union
Apple Pay → Cash Pickup	2.56%	Ria Money Transfer and Western Union
ACH → Cash Pickup	3.14%	Western Union
Credit Card → Bank Account	3.71%	XE Money Transfer, Ria Money Transfer and Western Union
Credit Card → Debit Card	3.88%	Western Union
Google Pay → Debit Card	3.88%	Western Union
Google Pay → Cash Pickup	4.06%	Ria Money Transfer and Western Union
Credit Card → Cash Pickup	5.06%	Ria Money Transfer and Western Union
Revolut Account → Bank Account	7.31%	Revolut

The cheapest combination is paying by Revolut Account, received by Revolut Account, with a typical total cost of −0.19%, so your recipient typically gets more than at the mid-market rate. The most expensive is paying by Revolut Account, received in a Bank Account, at 7.31%.^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

On USD 1,000, your recipient typically gets NZD 1,774.00 with the cheapest combination and NZD 1,640.95 with the most expensive: NZD 133.05 more with the cheapest combination.

Choosing well is worth NZD 136.35 more on USD 1,000. The most your recipient can get today is NZD 1,777.30, and the least is NZD 1,640.95.

🧮 Fixed fees weigh most on small transfers. A typical fixed fee of USD 3.50 is 1.75% of USD 200 but only 0.07% of USD 5,000.
🆓 8 providers charge no fee on some ways to send or some amounts: Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Revolut, TorFX, Western Union and XE Money Transfer.

🏦 How to send money from USA to Cook Islands through a bank?

10 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 11 providers.

Bank Transfer or Card? At USD 1,000, the typical total cost is 0.57% paying from a Bank Account, 0.91% paying by ACH, 0.95% paying by Debit Card and 3.95% paying by Credit Card.

⏱️ 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 Cook Islands.

⚡ How to send money from USA to Cook Islands fast?

The fastest published delivery arrives instantly, with Revolut (Revolut Account).

Receive by	Typically	Fastest published (top 3)
Bank Account	2–4 days	Airwallex about 2 hours Currency Solutions about 1 day Wise about 1 day
Cash Pickup	within 2 hours	not published
Debit Card	1–2 days	not published
Revolut Account	within 30 minutes	Revolut instant

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

Speed costs little extra. At USD 1,000, the cheapest way with a published delivery time within an hour is Revolut (paying by Revolut Account, received by Revolut Account), with a total cost of −0.19%. The cheapest way overall has a total cost of −0.38%, 0.19 percentage points less.^ⓘ A total cost below zero (−) means the provider's exchange rate is better than the mid-market rate, so your recipient gets more than your amount converted at the mid-market rate, even after the fee.

⚡ How you pay can change the speed. With one provider, money arrives in a Bank Account in about 1 day when you pay by Credit Card, compared with about 2 days when you pay from a Bank Account.

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 Cook Islands from USA?

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.

🥇 XE Money Transfer, Revolut and Airwallex give your recipient the most on USD 1,000 today.
💱 Wise, XE Money Transfer and Revolut offer the highest exchange rates, from NZD 1.774 to NZD 1.7781 per USD.
🔀 Western Union offers the most ways to send (15), followed by Ria Money Transfer (12) and Wise (4).
💵 Ria Money Transfer and Western Union offer Cash Pickup in Cook Islands.
🆓 8 providers have no-fee options.
⚡ Revolut publishes the fastest delivery: instant.
🎁 4 providers have RemitFinder deals for this corridor.

📋 All 11 providers, by what your recipient gets for USD 1,000:

Provider	They receive	Ways
XE Money Transfer	NZD 1,777.30	4
Revolut	NZD 1,774.00	2
Airwallex	NZD 1,769.10	1
Cambridge Currencies	NZD 1,766.17	1
OFX	≈ NZD 1,763.92	1
Ria Money Transfer	NZD 1,760.44	12
Wise	NZD 1,759.55	4
Currency Solutions	NZD 1,757.32	1
Western Union	NZD 1,755.00	15
TorFX	NZD 1,745.81	1
Key Currency	not at this amount	1

At USD 1,000, 10 of the 11 providers accept the transfer. Among them, your recipient gets between NZD 1,745.81 and NZD 1,777.30, and half of the providers give at least NZD 1,762.18.

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 USD to NZD exchange rate today

💱 Airwallex's US Dollar to New Zealand Dollar exchange rate is NZD 1.7691 per USD, 0.08% 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.
💰 On USD 1,000, your recipient gets NZD 1,769.10 with Airwallex (paying from a Bank Account, received in a Bank Account).

Cambridge Currencies USD to NZD exchange rate today

💱 Cambridge Currencies' US Dollar to New Zealand Dollar exchange rate runs from NZD 1.7662 to NZD 1.7688 per USD. Its best rate applies to transfers from USD 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.
💰 On USD 1,000, your recipient gets NZD 1,766.17 with Cambridge Currencies (paying from a Bank Account, received in a Bank Account).

Currency Solutions USD to NZD exchange rate today

💱 Currency Solutions' US Dollar to New Zealand Dollar exchange rate runs from NZD 1.7573 to NZD 1.7644 per USD. Its best rate applies to transfers from USD 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 USD 1,000 per transfer.
💰 On USD 1,000, your recipient gets NZD 1,757.32 with Currency Solutions (paying from a Bank Account, received in a Bank Account).

Key Currency USD to NZD exchange rate today

💱 Key Currency's US Dollar to New Zealand Dollar exchange rate is NZD 1.7688 per USD, 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 USD 6,736 per transfer.

OFX USD to NZD exchange rate today

💱 OFX's US Dollar to New Zealand Dollar exchange rate is NZD 1.7668 per USD, 0.21% below the mid-market rate.
💸 OFX's fee is not published for USD 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.
💰 On USD 1,000, your recipient gets about NZD 1,763.92 with OFX (paying from a Bank Account, received in a Bank Account).
🎁 RemitFinder exclusive for OFX: Get 10 free transfers.

Revolut USD to NZD exchange rate today

💱 Revolut's US Dollar to New Zealand Dollar exchange rate is NZD 1.774 per USD, 0.19% above the mid-market rate.
💸 When you pay by Revolut Account, Revolut charges USD 75 (0.15% from USD 50,000) when your recipient gets the money in a Bank Account and no fee when your recipient gets the money by Revolut Account.
🏦 With Revolut, you pay by Revolut Account, and your recipient gets the money in a Bank Account or by Revolut Account.
⏱️ With Revolut, money arrives in a Bank Account in 1–3 days and by Revolut Account instantly.
📏 Revolut accepts USD 169.11 to USD 100,000 per transfer.
💰 On USD 1,000, your recipient gets NZD 1,774.00 with Revolut (paying by Revolut Account, received by Revolut Account).
🎁 RemitFinder exclusive for Revolut: Sign up and get USD 20.

Ria Money Transfer USD to NZD exchange rate today

💱 Ria Money Transfer's US Dollar to New Zealand Dollar exchange rate is NZD 1.7622 per USD, 0.47% below the mid-market rate.
💸 Ria Money Transfer's fee depends on how you pay and how much you send.
🏦 With Ria Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by PayNearMe, 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 USD 100 to USD 29,999.99 per transfer.
💰 On USD 1,000, your recipient gets NZD 1,760.44 with Ria Money Transfer (paying from a Bank Account, received in a Bank Account).

TorFX USD to NZD exchange rate today

💱 TorFX's US Dollar to New Zealand Dollar exchange rate runs from NZD 1.7458 to NZD 1.7674 per USD. Its best rate applies to transfers of USD 200,001 to USD 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 USD 999,999,999 per transfer.
💰 On USD 1,000, your recipient gets NZD 1,745.81 with TorFX (paying from a Bank Account, received in a Bank Account).

Western Union USD to NZD exchange rate today

💱 Western Union's US Dollar to New Zealand Dollar exchange rate runs from NZD 1.715 to NZD 1.755 per USD. Its best rate applies to all amounts and is 0.88% below the mid-market rate.
💸 Western Union charges 3% when you pay by Credit Card or with Google Pay and no fee when you pay by Debit Card, with Apple Pay or by ACH.
🏦 With Western Union, you pay by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by ACH, and your recipient gets the money in a Bank Account, as Cash Pickup or on a Debit Card.
⏱️ With Western Union, money arrives in a Bank Account typically in 2–4 days, as Cash Pickup typically within 2 hours and on a Debit Card typically in 1–2 days.
💰 On USD 1,000, your recipient gets NZD 1,755.00 with Western Union (paying by Debit Card, received on a Debit Card).
🎁 RemitFinder exclusives for Western Union: Refer a friend to earn USD 20; Get first transfer free in US.

Wise USD to NZD exchange rate today

💱 Wise's US Dollar to New Zealand Dollar exchange rate is NZD 1.7781 per USD, 0.42% above the mid-market rate.
💸 Wise charges 0.31% + USD 7.34 (0.21% + USD 32.29 from USD 25,094.19) when you pay from a Bank Account, 6.44% + USD 1.17 when you pay by Credit Card or with Apple Pay and 1.54% + USD 1.23 when you pay by Debit Card.
🏦 With Wise, you pay from a Bank Account, by Credit Card, by Debit Card or with Apple Pay, and your recipient gets the money in a Bank Account.
⏱️ With Wise, money arrives in a Bank Account in about 1 day.
📏 Wise accepts USD 1.26 to USD 1,000,000 per transfer.
💰 On USD 1,000, your recipient gets NZD 1,759.55 with Wise (paying from a Bank Account, received in a Bank Account).

XE Money Transfer USD to NZD exchange rate today

💱 XE Money Transfer's US Dollar to New Zealand Dollar exchange rate runs from NZD 1.7657 to NZD 1.7774 per USD. Its best rate applies to transfers up to USD 300 and is 0.38% above the mid-market rate.
💸 XE Money Transfer charges no fee when you pay from a Bank Account or by ACH, 3% when you pay by Credit Card and 0.5% when you pay by Debit Card.
🏦 With XE Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card or by ACH, 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.
💰 On USD 1,000, your recipient gets NZD 1,777.30 with XE Money Transfer (paying by ACH, received in a Bank Account).
🎁 RemitFinder exclusive for XE Money Transfer: Refer a friend to earn USD 25.

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 USA to Cook Islands

Compare providers. RemitFinder lists 11 providers and 43 ways to send; the cards above rank them for your amount.
Choose how to pay. At USD 1,000, paying from a Bank Account has the lowest typical total cost (0.57%).
Choose how your recipient gets the money. Bank Account (11 providers), Cash Pickup (2 providers), Debit Card (1 provider) or Revolut Account (1 provider).
Check the limits. Published maximums start at USD 29,999.99 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
Sign up and verify your identity. Providers need ID before your first transfer.
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 Cook Islands.
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 Cook Islands from USA

These FAQs use data from RemitFinder's live comparison of 11 providers for USA to Cook Islands money transfers.

How do I send money from USA to Cook Islands?
Compare 11 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.
What is the best way to send money to Cook Islands from USA?
At USD 1,000, XE Money Transfer, Revolut and Airwallex give your recipient the most today: NZD 1,777.30, NZD 1,774.00 and NZD 1,769.10 respectively. The best way changes with the amount, so compare at yours.
What is the cheapest way to send money to Cook Islands?
At USD 1,000, the cheapest providers today are XE Money Transfer, Revolut and Airwallex. The cheapest combination is paying by Revolut Account, received by Revolut Account, with a typical total cost of −0.19%. 8 providers charge no fee on some ways to send or some amounts, and the exchange-rate markup decides the rest. RemitFinder ranks every way to send by what your recipient gets, fees included.
How much can I save by comparing providers to send money to Cook Islands?
At USD 1,000, your recipient gets between NZD 1,640.95 and NZD 1,777.30, depending on the provider and how you send. Comparing can get them NZD 136.35 more on one transfer. XE Money Transfer gives the most today, paying by ACH, received in a Bank Account.
What is the USD to NZD exchange rate today?
The mid-market rate is NZD 1.7706 per USD. Providers' rates run from NZD 1.715 to NZD 1.7781.
Can I get a better rate than the mid-market USD to NZD rate?
Yes. Wise, XE Money Transfer and Revolut offer a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.
Exchange rate or fee: what matters more when you send money to Cook Islands?
At USD 200, the typical fee is 1.50% of the amount, and the typical exchange rate has a markup of 0.47%. At USD 5,000, the typical fee is 0.06% of the amount, and the typical exchange rate has a markup of 0.47%. So the fee matters more on small transfers, and the exchange rate on large ones. Compare both: the cards above rank every way to send with both included.
Does sending more money to Cook Islands lower the cost?
Yes. The typical total cost is 2.80% at USD 200, 1.10% at USD 1,000 and 0.95% at USD 5,000. Cambridge Currencies, Currency Solutions and TorFX give a better exchange rate on larger transfers.
Which payment method is cheapest for sending money from USA to Cook Islands?
Paying from a Bank Account has the lowest typical total cost at USD 1,000 (0.57%), and paying by Credit Card the highest (3.95%). On USD 1,000, that difference is worth about NZD 60 more to your recipient. The providers giving your recipient the most when paying from a Bank Account are XE Money Transfer, Airwallex and Cambridge Currencies.
Is Debit Card cheaper than Credit Card for sending money to Cook Islands?
Yes. At USD 1,000, paying by Debit Card has a typical total cost of 0.95%, compared with 3.95% paying by Credit Card. On USD 1,000, that difference is worth about NZD 53 more to your recipient. Your card issuer may also charge a cash advance fee when you pay by Credit Card.
Which delivery method is cheapest for sending money to Cook Islands from USA?
Receiving by Revolut Account has the lowest typical total cost at USD 1,000 (−0.19%), and receiving as Cash Pickup the highest (3.14%). On USD 1,000, that difference is worth about NZD 59 more to your recipient. The provider giving your recipient the most when receiving by Revolut Account is Revolut.
Is Bank Account cheaper than Cash Pickup for sending money to Cook Islands?
Yes. At USD 1,000, receiving in a Bank Account has a typical total cost of 0.86%, compared with 3.14% receiving as Cash Pickup. On USD 1,000, that difference is worth about NZD 40 more to your recipient. Money typically arrives in a Bank Account in 2–4 days, and Cash Pickup is typically ready within 2 hours.
How can I send cash to Cook Islands from USA?
Ria Money Transfer and Western Union offer Cash Pickup in Cook Islands. Cash Pickup is typically ready within 2 hours.
What is the fastest way to send money to Cook Islands?
By their published times, Revolut delivers fastest, instantly.
Can I send money from USA to Cook Islands instantly?
Yes. Revolut publishes delivery within an hour on some ways to send. On USD 1,000, the most your recipient gets that fast is NZD 1,774.00, with Revolut (paying by Revolut Account, received by Revolut Account).
How much money can I send to Cook Islands from USA?
Each provider sets its own limits. The lowest published maximum is USD 29,999.99, and 7 of 11 providers publish no maximum. Checks and the rules in both countries also apply.
Can I send money to Cook Islands without fees?
Yes, with Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Revolut, TorFX, Western Union and XE Money Transfer on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.
Which providers send money from USA to Cook Islands?
RemitFinder compares 11 providers: Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, OFX, Revolut, Ria Money Transfer, TorFX, Western Union, Wise and XE Money Transfer.
Which app is best to send money to Cook Islands?
It depends on your amount and how you pay. RemitFinder compares 11 providers and ranks every way to send for the amount you enter.
Why do providers charge different amounts to send money to Cook Islands?
Each provider sets its own exchange-rate markup and fees, and both can change with how you pay, how your recipient gets the money and how much you send. At USD 1,000, 1 of the 4 providers that offer more than one way to pay changes the rate with it.

Latest Exchange Rates for Sending Money to Cook Islands from USA

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

1 USD	1.77 NZD
5 USD	8.85 NZD
10 USD	17.71 NZD
25 USD	44.27 NZD
50 USD	88.53 NZD
100 USD	177.06 NZD
150 USD	265.59 NZD
200 USD	354.12 NZD
250 USD	442.65 NZD
300 USD	531.18 NZD
400 USD	708.24 NZD
500 USD	885.30 NZD
600 USD	1,062.36 NZD
700 USD	1,239.42 NZD
800 USD	1,416.48 NZD
1000 USD	1,770.60 NZD
1500 USD	2,655.90 NZD
2000 USD	3,541.20 NZD
2500 USD	4,426.50 NZD
3000 USD	5,311.80 NZD
4000 USD	7,082.40 NZD
5000 USD	8,853.00 NZD
10000 USD	17,706.00 NZD
15000 USD	26,559.00 NZD
20000 USD	35,412.00 NZD
30000 USD	53,118.00 NZD
40000 USD	70,824.00 NZD
50000 USD	88,530.00 NZD
100000 USD	177,060.00 NZD

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

Best Way to Send Money to Cook Islands from USA (USD to NZD)