Compare payment methods
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What this solves
Most visitors to NZ think the obvious move is "use my card and let the bank convert". Reality is messier. A typical credit-card-with-FX-fee charges 2.5% over the mid-market rate. A NZ ATM withdrawal can cost $5 flat from your home bank plus 2–3% FX spread. A currency-exchange shop adds 3–5% over the mid-market rate. A travel money card (Wise, Revolut) typically undercuts all of them.
This tool computes the actual cost in your home currency for each method, so you can pick the cheapest path.
How to read the result
- Cost in home currency is the amount your account is debited (or your cash equivalent).
- Premium over mid-market is the markup charged by the method.
- Flat fees (ATM fees, FX commission) are listed.
Limitations
- Exchange rates change daily; this uses 2026 reference mid-market rates.
- Your bank's fee structure may differ.
FAQ
Q: Is EFTPOS cheaper than cash?
A: Yes. EFTPOS in NZ is usually free to the merchant, so there's no surcharge; the only fee is whatever your home bank charges.
A: Yes. EFTPOS in NZ is usually free to the merchant, so there's no surcharge; the only fee is whatever your home bank charges.
Q: Where can I exchange currency in NZ?
A: Auckland, Wellington, Christchurch airports; ANZ / BNZ branches in cities; Travelex.
A: Auckland, Wellington, Christchurch airports; ANZ / BNZ branches in cities; Travelex.
Q: Are travel money cards safe?
A: Yes, but they lock up your balance in a specific currency. Read the T&Cs.
A: Yes, but they lock up your balance in a specific currency. Read the T&Cs.
Sources
- Reserve Bank NZ — daily reference rates
- Wise, Revolut, Travelex published fee schedules