If you’re lucky enough to be returning to NZ for a family Christmas, enjoy! I love Christmas with my family. However, we all know that Christmas is an expensive time of year, so I just wanted to check in and make sure none of you are using your bank to transfer money between NZ and Australia. I’ve been using XE for over 15 years, and you’d be surprised how much you save with every transfer. That extra money could go toward your flights, because wow, they are pricey this time of year.
I reached out to my lovely XE support team today, seeing if they had any advice for you guys, and they promptly replied:
While we’re not able to provide advice on when clients should trade, we can share the latest rates, news updates and ensure that whatever the market is doing, our clients receive a smooth, transparent, and well-supported transfer experience.
If you’re ready to set up a large transfer but would like some guidance or if you have any questions at all, our team is here to help. Let’s make sure your Christmas transfer is fast, smooth, and stress-free.
If you need to transfer some spending money back, using Xe instead of your bank can make a big difference!
Going back to NZ for Christmas? Lucky you, at present AUD/NZD rate is approximately 1.16, meaning each Australian dollar converts to about 1.16 New Zealand dollars.
Whereas the NZD/AUD rate is approximately 0.86, meaning each New Zealand dollar converts to about 86 Australian cents. If you’re planning a transfer from New Zealand and Australia, it’s worthwhile to keep an eye on the rate. Setting up a rate alert can help you act quickly when it moves in your favour.
Thanks XE! They’re there for me whenever I need them, and they’ll be there for you too!
The AUD to NZD exchange rate has strengthened significantly in recent months, reaching around 1 AUD = 1.154 NZD, one of the highest points in the past five years.
As the chart shows, the rate has generally fluctuated between 1.03 and 1.10 since 2020, with only a few brief peaks. The sharp rise in late 2025 suggests strong AUD performance relative to the NZD, making it a potentially favourable time for anyone transferring money from Australia to New Zealand.
We don’t know if this trend will continue. Transferring sooner rather than later may help you take advantage of the current higher rate; however, as always, rates can fluctuate quickly, so keeping a close eye on daily shifts is a smart move.
If you weren’t aware that your bank charges you extra fees and adds more margin than other foreign exchange companies and want to learn more, please read my Foreign Exchange/Money Transfer post.
Otherwise, enjoy your Christmas, no matter where you are.
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