Best Way to Send Money to Tokelau from USA (USD to NZD)

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

RemitFinder compares 9 providers and 16 ways to send money from USA to Tokelau. The mid-market rate is NZD 1.7706 per USD. 7 providers have no-fee options. The fastest published delivery is instant.

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

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 9 providers offering 16 ways to send US Dollar (USD) to New Zealand Dollar (NZD).

💰 Most NZD received today, by amount sent:

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:

Bank Account is the most widely offered way to receive, with 9 providers, followed by 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 1.7458 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, 1 of the 2 providers that offer more than one way to pay gives 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 and 0.10% below it in a Bank Account.

💸 What is the cheapest way to send money to Tokelau 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:

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 1.01% at USD 200, 0.62% at USD 1,000 and 0.24% 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:

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.

Paying by ACH has the lowest typical total cost at USD 1,000 (−0.38%), and paying with Apple Pay the highest (6.13%). On USD 1,000, that difference is worth about NZD 115 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 way to receive, at USD 1,000:

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.

Receiving by Revolut Account has the lowest typical total cost at USD 1,000 (−0.19%), and receiving in a Bank Account the highest (0.68%). On USD 1,000, that difference is worth about NZD 16 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:

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 cheapest combination is paying by ACH, received in a Bank Account, with a typical total cost of −0.38%, 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 1,777.30 with the cheapest combination and NZD 1,640.95 with the most expensive: NZD 136.35 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 1.20 is 0.60% of USD 200 but only 0.02% of USD 5,000.
• 🆓 7 providers charge no fee on some ways to send or some amounts: Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Revolut, TorFX and XE Money Transfer.

🏦 How to send money from USA to Tokelau through a bank?

8 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 9 providers.

Bank Transfer or Card? At USD 1,000, the typical total cost is −0.38% paying by ACH, 0.39% paying from a Bank Account, 0.68% paying by Debit Card and 4.38% paying by Credit Card.^ⓘ 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.

• ⏱️ 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 Tokelau.

⚡ How to send money from USA to Tokelau fast?

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

By the times providers publish, money can arrive in about 2 hours in a Bank Account and instantly by Revolut Account.

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 Tokelau 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.
• 🔀 Wise offers the most ways to send (4), followed by XE Money Transfer (4) and Revolut (2).
• 🆓 7 providers have no-fee options.
• ⚡ Revolut publishes the fastest delivery: instant.
• 🎁 3 providers have RemitFinder deals for this corridor.

📋 All 9 providers, by what your recipient gets for USD 1,000:

At USD 1,000, 8 of the 9 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 1,764.95.

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 1,763.73 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.

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).

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 Tokelau

1. Compare providers. RemitFinder lists 9 providers and 16 ways to send; the cards above rank them for your amount.
2. Choose how to pay. At USD 1,000, paying by ACH has the lowest typical total cost (−0.38%).^ⓘ 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.
3. Choose how your recipient gets the money. Bank Account (9 providers) or Revolut Account (1 provider).
4. Check the limits. Published maximums start at USD 100,000 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. Find the bank code: SWIFT codes for banks in Tokelau.
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 Tokelau from USA

These FAQs use data from RemitFinder's live comparison of 9 providers for USA to Tokelau money transfers.

• How do I send money from USA to Tokelau?

  Compare 9 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 Tokelau 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 Tokelau?

  At USD 1,000, the cheapest providers today are XE Money Transfer, Revolut and Airwallex. The cheapest combination is paying by ACH, received in a Bank Account, with a typical total cost of −0.38%. 7 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 Tokelau?

  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 1.7458 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 Tokelau?

  At USD 200, the typical fee is 0.50% of the amount, and the typical exchange rate is 0.38% above the mid-market rate. At USD 5,000, the typical fee is 0.00% of the amount, and the typical exchange rate is 0.19% above the mid-market rate. 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 Tokelau lower the cost?

  Yes. The typical total cost is 1.01% at USD 200, 0.62% at USD 1,000 and 0.24% 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 Tokelau?

  Paying by ACH has the lowest typical total cost at USD 1,000 (−0.38%), and paying with Apple Pay the highest (6.13%). On USD 1,000, that difference is worth about NZD 115 more to your recipient. The provider giving your recipient the most when paying by ACH is XE Money Transfer.

• Is Debit Card cheaper than Credit Card for sending money to Tokelau?

  Yes. At USD 1,000, paying by Debit Card has a typical total cost of 0.68%, compared with 4.38% paying by Credit Card. On USD 1,000, that difference is worth about NZD 65 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 Tokelau from USA?

  Receiving by Revolut Account has the lowest typical total cost at USD 1,000 (−0.19%), and receiving in a Bank Account the highest (0.68%). On USD 1,000, that difference is worth about NZD 16 more to your recipient. The provider giving your recipient the most when receiving by Revolut Account is Revolut.

• What is the fastest way to send money to Tokelau?

  By their published times, Revolut delivers fastest, instantly.

• Can I send money from USA to Tokelau 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 Tokelau from USA?

  Each provider sets its own limits. The lowest published maximum is USD 100,000, and 6 of 9 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Tokelau without fees?

  Yes, with Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, Revolut, TorFX 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 Tokelau?

  RemitFinder compares 9 providers: Airwallex, Cambridge Currencies, Currency Solutions, Key Currency, OFX, Revolut, TorFX, Wise and XE Money Transfer.

• Which app is best to send money to Tokelau?

  It depends on your amount and how you pay. RemitFinder compares 9 providers and ranks every way to send for the amount you enter.

• Why do providers charge different amounts to send money to Tokelau?

  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 2 providers that offer more than one way to pay changes the rate with it.