Services Fast, Secure Online Transfers

We've specialized in providing international money transfer services since 1986, and have operated an online money transfer service since 1997. Exceptional currency exchange rates coupled with low fees and an innovative yet simple to use self-service offering, ensures our clients get the very best deal.


Manage and transfer money when you want, where you want. Whether it's moving personal foreign currency overseas, arranging an international money transfer or sending a payment, Currency Online gives you the flexibility you need 24 hours a day. Register now for a free, no obligation account, and see for yourself how easy it is to save money.

Please note, we are unable to offer our money transfer services to clients located in the United States of America (USA), Japan, and residents of Quebec (Canada). For clients located in other Canadian provinces we can provide spot transfers (not forward contracts).

All clients located outside of the United States and Canada can still use the service and make international payments to / from the United States of America (USA) and Canada.


Buy Now. Pay Now.

A spot contract is used for immediate money transfers and is the most popular method of transferring funds.

  • Competitive, comparable prices
  • Currency exchange rates updated every 5 seconds
  • Over 25 currencies offered
  • Payment in 1-3 business days

Buy Now. Pay Later.

A forward contract allows you to enter into a contract at the current market rate for payment in the future and is useful for protecting you from adverse market movements. Particularly useful if you want to lock in a favourable rate, but don't have the funds available to pay for the contract immediately.

All forward contracts are subject to a minimum amount and payment of an initial margin to secure the obligation. Variation margin may be requested if significant adverse market movements occur during the term of the contract.

  • Forward contracts in 15 currencies
  • Real time competitive forward rates
  • 1 week to six months
  • Ability to pre-deliver or extend forward contracts

Not happy with the current exchange rate?

No problem. You can place a Market Order to target a predetermined rate that you would like to achieve and we'll monitor it for you. Market Orders allow customers to target a rate they wish to transact at that is either better than the current market rate to capture positive movements or worse than the current market rate to protect against adverse movements. Market Orders are free to use.

Our online platform allows you to place, modify, and cancel Market Orders. Clients can also view the savings or cost differences between the current market rate and order rates. Orders offered include limit and stops and OCO's (One Cancels the Other).

Take the stress out of watching the market rate fluctuate and let us take care of it. If the market reaches the agreed rate you have automatically entered into a binding contract. Market Orders are always live until cancelled by you.

Currency Online's payment platform allows you to pay multiple recipients within the one transaction or from your money held on accout. This ensures you enjoy the most efficient process possible when you need to pay more than one person or supplier.

Add the bank accounts you wish to send funds to (beneficiaries). Specify payments straight after purchasing currency or pay direct from your currency account.

  • Add beneficiary details online (these are saved for future disbursements)
  • View full history of payments to each beneficiary
  • Automatically notify beneficiary payment is on its way by adding their email address
  • Standard format for each currency reduces bank charges

Your full account history is available online for your lifetime transfer activity with Currency Online. View currency conversions, payments and receipts online 24 hours daily.

  • Lifetime account history
  • Sort by currency, date, beneficiary or reference
  • Grant view-only access to your accountant

Transfer your funds whenever the markets are open

You can log in 24 hours a day - 7 days a week, get a great rate live, and execute a transfer. For assistance on using the Currency Online platform, general customer service or settlement enquiries, the Currency Online Toll Free Help Desk is open between the hours of 7am and 8pm NZT, Monday to Friday.

Get the latest information on the market - for free.

Access the latest market information, all in one place. Currency Online keeps you in touch with the world's dynamic currency markets.

  • Daily commentaries online or direct to your inbox
  • Exchange rate graphs 24 hours, 30 days, 12 months and 10 years
  • Twitter updates for the latest market information, as it happens
  • Rate Alerts via our online platform
  • Online Currency Convertor and iPhone App


Unlike many other foreign currency companies, we are absolutely upfront with our fees and guarantee you will not find any hidden charges added by Currency Online. All clients receive their first transfer free, with transfers over $10,000 currency equivalent fee free also please refer to the table below for the ZERO FEE thresholds*.

If your sold currency is greater than the amount listed, you will not be charged a fee by Currency Online.

If you are transacting an amount that is smaller than the amount listed, refer to the table to see just how little it costs to transfer your funds. Unlike many other providers Currency Online does not have a minimum transaction amount.

Major Currencies
I am selling
More than
Zero fee
Less than
Online Fee
Phone Based Fee
Australian Dollar (AUD) 10,000 0 10,000 12 20
Canadian Dollars (CAD) 10,000 0 10,000 12 20
Euro (EUR) 5,000 0 5,000 7 15
Great British Pounds (GBP) 3,000 0 3,000 5 12
Japanese Yen (JPY) 1,000,000 0 1,000,000 800 1500
New Zealand Dollars (NZD) 10,000 0 10,000 9 15
United States Dollars (USD) 5,000 0 5,000 4 10
Other Currencies
I am selling
More than
Zero fee
Less than
Online Fee
Phone Based Fee
Swiss Francs (CHF) 10,000 0 10,000 12 20
Czech Republic Koruna (CZK) 100,000 0 100,000 215 215
Danish Krone (DKK) 50,000 0 50,000 17 25
Fijian Dollars (FJD) 15,000 0 15,000 17 25
Hong Kong Dollars (HKD) 50,000 0 50,000 50 80
Hungarian Forint (HUF) 1,000,000 0 1,000,000 2520 2520
Mexican Peso (MXN) 60,000 0 60,000 250 250
Norwegian Krone (NOK) 50,000 0 50,000 17 25
Philippine Peso (PHP) 355,000 0 355,000 1000 1000
Polish Zloty (PLN) 15,000 0 15,000 35 35
Swedish Krona (SEK) 50,000 0 50,000 17 25
Singapore Dollars (SGD) 10,000 0 10,000 12 20
Thai Baht (THB) 250,000 0 250,000 500 500
South African Rand (ZAR) 50,000 0 50,000 70 70

*The ZERO FEE thresholds are based on sending the transacted amount to a single beneficiary. If you intend to send funds to multiple beneficiaries from one contract, the first disbursement is free and all others are payable at the applicable fee, outlined in the table.

IMPORTANT: Your one free disbursement is only applicable when a recipient is attached to a transaction prior to settling your contract. If you do not assign a recipient prior to settling your contract your bought currency will be transferred to your available balances and held on account with Currency Online. You will be charged for all future disbursements from your available balances.

Currency Online have no control over bank charges levied or deducted by paying banks in delivering beneficiary payments.


At Currency Online we take extensive steps to ensure that your information is safe and secure at all times.

Currency Online is a brand and trading name of HiFX Limited. HiFX is a global international payments specialist, with annual transactions in excess of USD $14 billion and with operations in the UK, North America, New Zealand and Australia.

The Currency Online service is provided by HiFX therefore funds from Clients will be received into, and paid out, of HiFX's segregated Security Trust Accounts. HiFX considers client protection to be of paramount importance and our treatment of monies received from clients provides significantly more protection than others provide. HiFX has granted for the benefit of its clients (including Currency Online clients) a registered first ranking security (held by an independent Trustee) over:

    (a) the Security Trust Accounts; and
    (b) HiFX's rights under its Hedge Contracts, (including in respect of payments by way of security or collateral as support for HiFX's obligations under its Hedge Contracts)

In 2014 HiFX was acquired by NASDAQ listed Euronet Worldwide, Inc. (EEFT). Euronet has a market capitalisation in excess of $3.5 billion and a Corporate investment grade rating from Standard & Poor's of BBB-. In 2014 the Euronet group processed more than 2.3 billion transactions and posted annual revenues of more than $1.5 billion.

System Security.

We have taken extensive steps to ensure that your information is kept securely. We use the latest technology and have a team of experts who keep up to date with developments in online security.

Currency Online provides secure 128-bit encrypted links.

Encryption converts information into an encoded format before it is sent over the Internet.

Currency Online displays VeriSign (SSL) Certificates

Currency Online is a VeriSign secured site and uses a VeriSign SSL Certificate to secure your information for transmission over the Internet. Double-click the symbol at the bottom of your browser when you log-in to Currency Online to ensure the site certificate belongs to Currency Online. This will ensure you're not being duped into entering your details on a 'fake' site.

System Integrity

All systems are held in a highly secure fully resilient data centre monitored 24/7.

Do it online and save... Register now!