WorldFirst pricing  

Save even more on your transfers with bank-beating exchange rates and margins of 0.60% or less.

Our low pricing could result in significant savings for your business.


No opening fees, annual fees or deposit requirements

  • It's free to set up an account with WorldFirst
  • It’s free to open multiple international currency accounts
  • There’s also no monthly or annual subscription fee
  • Margins of 0.60% or less 

Our pricing

Margin0.60% or less
Payment fees on transfers of NZD $10K or more^$0
Collection/Receiving fees$0
Account management fees$0
Opening local currency receiving accounts$0

^Fees will not be charged for most payments. Payments of NZD $10,000 or more are fee free. Our fee structure for smaller payments is as follows**: Payments between $2,000 and $9,999 will incur an NZD $10 fee. Payments less than $2,000 will incur an NZD $20 fee. Fees and/or margins apply to same currency transactions. No opening fees, no account keeping fees and no receiving fees. Payment volumes and fees in NZD or equivalent in foreign currency.

Bank Comparison
WorldFirst vs the Big 4 Banks

In May 2022, the average cost of a $25,000 NZD/USD transfer was $477.25 with the big 4 banks and $150 with WorldFirst.

  • A margin is the percentage difference applied on the internal buy/sell price of your currency. The higher your margin, the worse your exchange rate is.
  • A fixed fee may also be charged.
  • The total cost of an international payment is the margin + fee.

*The comparison savings are based on single transfer of NZD$25,000 to USD. Savings are calculated by comparing the exchange rate including margins and fees provided by each bank (ANZ, ASB, BNZ and Westpac) and WorldFirst on the same day 02/05/2022. FXC Intelligence Ltd, an independent third party provides the pricing date. The comparison savings provided is true only for the example given and may not include all fees and charges. Different currency exchange amounts, currency types, dates, times and other individual factors will result in different comparisons savings. These result therefore may not be indicative of actual savings and should be used only as a guide. WorldFirst does not guarantee its accuracy and it may be incomplete or condensed. Visit the FAQs page.

Currency Converter 

Pricing, often called a margin, is the difference between the rate we buy your currency and the rate we sell it to you.

Most banks and FX providers will not disclose their pricing/margin as it’s hidden in the exchange rate you receive as the customer. Banks can charge a high margin and in many cases also a fixed fee. The true cost of your transfer is the fee plus the margin taken by your provider.

Margins are indicative and determined by transfer volumes. As such, margins are tailored to each business. The ‘Your margin’ field on the currency converter can be adjusted from 0.10% to 0.60% to display a range of customer exchange rates. Learn more about our pricing structure.

Discover which WorldFirst account is right for your business  

Frequently asked questions

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Since 2004, more than 250K businesses have utilised WorldFirst to send more than $160B around the world.

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