How to send money overseas from New Zealand

Send money to virtually anywhere overseas in the way that works for you: online, with our app or in person.

Be informed. Be aware. Protect yourself from fraud.

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We encrypt your transfers

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Simple steps for sending money online


Create and verify your free account

You can verify your profile with your New Zealand passport or driver’s license


Choose a destination and input the amount

Send money to billions of bank accounts or send cash to thousands of agent locations worldwide.


Enter your receiver’s details

To send money to a bank account, simply enter your receiver’s details:

• Name, street address and city
• Bank name, account number, bank city


Select your preferred payment method

You can pay for your transfer via debit or credit card, or bank transfer (POLi).


That’s it!

Your money is on its way and, depending on the method chosen, it can arrive in as fast as a few minutes1. Know when the money arrives with the tracking number (MTCN).

Frequently Asked Questions

How do I send money online from New Zealand?

You can send money online 24/7 through westernunion.com or the Western Union® app after you create your online profile and complete your ID verification. Then choose your destination country and the amount you’d like to send.

You can send money directly to your receiver’s bank account1, to an agent location for cash pickup, or to a mobile wallet if the service is available in your receiver’s country.

Learn more about how to register and how to send money online.

What do I need to send a money transfer online?

When you first register with Western Union, you’ll need to create an online profile and verify your identity.

To send money transfer, you’ll need your receiver’s full name (as it appears on their valid ID) and address. You’ll also need a Visa® or MasterCard® credit or debit card2 issued by a New Zealand bank, or access to internet banking with POLi. You must be over 18.

How much money can I send online?

With a registered Western Union profile, you can send up to 5,000 NZD within a 3-day period. If you need to send more, please send money in person at an agent location.

Which countries and territories can I send money online to?

You can send money online to more than 200 countries and territories with Western Union New Zealand. Check our agent locator tool to see all the locations available to you for a money transfer. Your receiver can pick up the cash at any Western Union agent location around the world.

If you want to send money directly to a bank account find the list of countries here.

How long does it take to send money online?

Once you’ve completed the transfer online and received your receipt with a tracking number (MTCN), your receiver will be able to collect the money within minutes3 from any Western Union agent location around the world.

How do I pay for an online money transfer?

You can pay for your transfer with a Visa® or MasterCard® credit or debit card2 issued by a New Zealand bank, or with internet banking via POLi.

What is POLi and how does it work?

POLi is an online payment method which enables you to pay for your transfer via internet banking.

POLi will establish a secure connection to your online bank, where you pay with your regular online banking information. It’s free and registration with POLi isn’t necessary. Please have your online banking details at hand. Your payment will be confirmed immediately.

Learn More about POLi

Supported banks

What are Verified by Visa® and MasterCard SecureCode®?

Verified by Visa® and MasterCard SecureCode® were developed to help prevent unauthorised use of cards online. These services use personal passwords or identity information to help protect cards against unauthorized use. They’re available for most cards from participating financial institutions.

Once your card is activated, your card number will be recognised whenever it’s used at participating online merchants. When you process a money transfer online with Western Union, you may be prompted for your Verified by Visa® or MasterCard SecureCode® password to complete the transfer.

You can still use your card on our site if you haven’t activated Verified by Visa® or MasterCard SecureCode®.

Why was my card debited even though I wasn’t able to complete my online money transfer?

Depending on the reason why the transfer couldn’t be completed, your card issuer may have already placed a pre-authorisation for the payment on your card. The funds are being held by your card issuer, not by Western Union. The card issuer will automatically release these funds, but it may take a couple of days. Please contact your card issuer for details.

How much does a money transfer cost in New Zealand?

The fee for an online money transfer may vary, depending on the amount you’re sending and where you’re sending it. However, you can send money online for a 0 NZD fee when you send to a bank account with POLi.

You can check the transfer fee4 and exchange rate for a money transfer using our price estimator.

Why did my exchange rate change from the last time I sent a money transfer?

Exchange rates change frequently and may have changed from your last money transfer or an estimate generated on an earlier day. You may check the current fees and exchange rate online using our price estimator.

How do I know if my online transfer has been approved?

Your online receipt will show whether your transfer was approved. If we need more information to approve your transfer, we’ll have you call us. When the transfer is complete, you’ll get an email with your tracking number (MTCN).

How do I track my transfer?

You may track the status of your money transfer using the Track transfer service online. All you need is the tracking number (MTCN) that’s provided on your payment receipt. You can also check the details of your transfer on the History page in the mobile app, or in the Recent Activity section on westernunion.com.

Can I get a receipt for my online money transfer?

A receipt will be sent to your registered email address once your transfer is complete. You can also check the details of all your transfers on the History page in the mobile app, or in the History section on westernunion.com.

What is an MTCN?

The tracking number (MTCN) is a unique code assigned to your transfer. When you send money online, you will get the MTCN on your money transfer receipt. Your receiver will need this tracking number when they pick up their money, and it can also be used to track your transfer. Please do not share this number with anyone other than your intended receiver.

How can my receiver register to receive a money transfer to a bank account in Jamaica?

Before you can pick up the money, you’ll receive a SMS, an email or a phone call from the agent so you can choose to register at a physical location or via online registration.

Here’s what you’ll need to provide for registration:

  • Your full name as it appears on your government-issued ID.
  • Name on the bank account.
  • Bank name.
  • Bank code.
  • Branch name.
  • Branch code.
  • Bank account number.
  • The currency on your bank account needs to be in JMD.
  • TRN number (TaxID).
  • Government-issued ID, ID type, and expiration.
  • Country of birth.
  • Date of birth.
  • Phone number (home and mobile).
  • Home address (street, city/town, or parish).
  • Occupation
  • Place of work (if homemaker or unemployed, this is not required).
  • Your email address.

Please note that GraceKennedy will complete the verification required to make sure the receiver owns the given bank account. The verification process may take up to 2 business days and may be cancelled within 8 days if your registration is not complete.

Can I cancel my online money transfer?

An online money transfer can be cancelled only if it has not been collected by the receiver in the destination country or if the funds have not been credited to your receiver’s bank account or mobile wallet, or if the payment was not completed due to technical issues.

If you wish to cancel your money transfer, please contact us.

How do I get a refund for my money transfer?

You can request a refund by contacting our Customer Care. You will need to provide your money transfer details for verification, including the tracking number (MTCN).

Upon raising a refund request, you’ll be assigned a ticket number to track the status of your refund. You’ll also get the status on your registered email address.

How long will it take to refund my transfer?

Once we receive your refund request, your money transfer details will be verified, and your request will be processed. If your refund request is approved, the money will be credited back to the funding source you used to pay for the transfer. For card transfers, depending on the issuing bank, it may take 7-14 days for the money to appear on the card. For POLi transfers, it will usually take up to 5-7 business days for the funds to be refunded back to your bank account.

In case the account, which you used to fund the transfer is inactive, invalid or closed please contact our Customer Care.

Register to send money online today

Register now

Quick and easy registration

Register today so you can send money online from anywhere.

Track your transfer

You can easily track your transfer online or via our app. All you need is your tracking number (MTCN).

Pay the way you like

Pay online through your bank account, with your credit/debit card, or cash in-store.

Convenient locations

Your receiver can pick up the cash at an agent location near them.

Money transfers made easy with the Western Union® app

Send money instantly, or start on our app and pay in-store.

Track your money transfer in real time.

Repeat transfers quickly to friends and family.

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Rating as of July 13, 2021


Ready to send?

Need help?

Visit our FAQs or get in touch. Our Customer Care is just a call away.

Dial Toll-free: 0800 005 253


1 Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

2 Please use care when providing bank account information. Funds will be paid into the bank account corresponding to the account number you provide. The receiver’s account must be a local currency payout account.

3 If you’re using a credit card, a card-issuer cash advance fee and associated interest charges may apply.

4 Network data as of 31 December 2019.

5 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, agent location hours, differences in time zones, or selection of delayed options.