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Cook Islands money transfer guide

Check which details to request from the recipient and what to confirm with your provider before sending the payment.

Plan your transfer

Sending from
Sending to
Cook Islands · NZD
GBP
Estimated receipt
24,076.75 NZD
1 GBP = 2.407675 NZD
Updated · 2026-11-06T21:59:00Z
Adjust fees and rate
The fee is deducted before conversion. Your provider’s rate and any intermediary or receiving bank charges may change the final amount.
This indicative rate is for comparison. Ask your provider for an executable quote.

What does a NZD invoice cost to fund?

These examples show the sending amount for a fixed invoice at the indicative market rate, before fees. Open a route to calculate your own amount.

Sending from 500 NZD2,500 NZD10,000 NZD
United Kingdom 207.67 GBP1,038.35 GBP4,153.38 GBP
United States 277.29 USD1,386.44 USD5,545.76 USD
Australia 403.82 AUD2,019.09 AUD8,076.34 AUD
Canada 391.75 CAD1,958.75 CAD7,834.99 CAD

What bank details do I need to send money to Cook Islands?

Ask the recipient’s bank for its written instructions for receiving NZD. A provider that pays through a local bank may request different details from a provider using SWIFT. Confirm the account holder, bank identifier, account number and any mandatory payment reference before requesting a price.

International bank transfers to Cook Islands

Before setting up a beneficiary, find out whether the payment will arrive as a local bank deposit or an international wire. Ask for the receiving bank’s instructions for that method and for NZD. Check whose name should appear on the account, especially when paying a solicitor or a business.

Sending money online to Cook Islands

When comparing a bank app with an online transfer service, enter the same total budget in both. Check how you can fund the payment, when the exchange rate becomes binding and whether the provider can tell you the final amount in NZD before you confirm.

How to pay an exact amount in NZD

For tuition, rent or an invoice, start with the sum the recipient needs to receive. Request a price for delivering that amount and ask who covers any deductions along the way. For a recurring payment, check when the rate is set for each instalment.

Before you send the first payment

  • Rent or a deposit. Ask the landlord which reference identifies your tenancy. For a deposit due on a specific date, check when the funds must reach the account and keep the bank confirmation with your lease.
  • Paying a supplier. Check whether the invoice requires payment in NZD. If it does, ask for a quote for the exact invoice total and agree who will cover any deductions before approving it.
  • Family support. If your recipient budgets in NZD, compare the cost of delivering the same monthly amount. Check whether the provider fixes the exchange rate when you schedule the payment or when it sends it.

Currency facts

  • On a payment worth 10,000 NZD at the market rate, a rate 1% lower would deliver 100 NZD less before fees.

Transfer guides

How much will arrive?

Give each provider the same total budget, including fees, and ask how much will arrive in NZD. Check whether intermediary or receiving-bank fees can still be deducted. For a fixed invoice, work backwards from the exact amount due and compare the total you would pay.

Working to a deadline

Ask for the date the beneficiary can use the funds. Confirm the funding deadline in your time zone and whether a weekend, local holiday or identity check changes the estimate. For a first payment, complete any checks before agreeing a delivery date with the recipient.

Invoices and large transfers

Check the provider’s transfer limit and your bank’s funding limit separately. Ask which documents are needed for this payment, such as an invoice or proof of the source of funds. For new or amended supplier details, call the supplier on a number already in your records before authorising payment.

Regular payments

For rent, pensions or family support, decide which amount must stay fixed each month: the sum leaving your account or the sum received in NZD. Ask when the rate is set for each payment, how to change the instruction and what happens if the funding date falls on a holiday.

Tracking a delayed payment

Keep the quoted rate, receipt, payment reference and expected arrival date. If the deadline passes, ask the sending provider to trace the transfer and give the recipient the reference for their bank. If any account detail is wrong, contact the provider immediately before sending further funds.

Official sources World Bank · Remittance Prices Worldwide ↗

Transfer routes

United Kingdom → Cook Islands1 GBP = 2.4077 NZDUnited States → Cook Islands1 USD = 1.8032 NZDAustralia → Cook Islands1 AUD = 1.2382 NZDGermany → Cook Islands1 EUR = 2.0087 NZDCanada → Cook Islands1 CAD = 1.2763 NZDIndia → Cook Islands1 INR = 0.0192 NZD
Sending from…
Afghanistan → Cook Islands1 AFN = 0.0277 NZDAlbania → Cook Islands1 ALL = 0.0222 NZDAlgeria → Cook Islands1 DZD = 0.0132 NZDAndorra → Cook Islands1 EUR = 2.0087 NZDAndorra → Cook Islands1 EUR = 2.0087 NZDAndorra → Cook Islands1 EUR = 2.0087 NZDAndorra → Cook Islands1 EUR = 2.0087 NZDAndorra → Cook Islands1 EUR = 2.0087 NZDAndorra → Cook Islands1 EUR = 2.0087 NZDAngola → Cook Islands1 AOA = 0.0020 NZDAnguilla → Cook Islands1 XCD = 0.6672 NZDAntigua & Barbuda → Cook Islands1 XCD = 0.6672 NZDArgentina → Cook Islands1 ARS = 0.0012 NZDArmenia → Cook Islands1 AMD = 0.0050 NZDAruba → Cook Islands1 AWG = 1.0018 NZDAustria → Cook Islands1 EUR = 2.0087 NZDAzerbaijan → Cook Islands1 AZN = 1.0607 NZDBahamas → Cook Islands1 BSD = 1.8032 NZDBahrain → Cook Islands1 BHD = 4.7785 NZDBangladesh → Cook Islands1 BDT = 0.0145 NZDBarbados → Cook Islands1 BBD = 0.9016 NZDBelarus → Cook IslandsBYR / NZDBelgium → Cook Islands1 EUR = 2.0087 NZDBelize → Cook Islands1 BZD = 0.8966 NZDBenin → Cook Islands1 XOF = 0.0031 NZDBenin → Cook Islands1 XOF = 0.0031 NZDBermuda → Cook Islands1 BMD = 1.8032 NZDBhutan → Cook Islands1 INR = 0.0192 NZDBolivia → Cook Islands1 BOB = 0.1637 NZDBosnia & Herzegovina → Cook Islands1 BAM = 1.0302 NZDBotswana → Cook Islands1 BWP = 0.1309 NZDBouvet Island → Cook Islands1 NOK = 0.1905 NZDBrazil → Cook Islands1 BRL = 0.3275 NZDBritish Indian Ocean Territory → Cook Islands1 USD = 1.8032 NZDBrunei → Cook Islands1 BND = 1.4073 NZDBulgaria → Cook Islands1 BGN = 1.0269 NZDBurkina Faso → Cook Islands1 XOF = 0.0031 NZDBurundi → Cook Islands1 BIF = 0.0006 NZDCambodia → Cook Islands1 KHR = 0.0004 NZDCameroon → Cook Islands1 XAF = 0.0031 NZDCape Verde → Cook Islands1 CVE = 0.0181 NZDCayman Islands → Cook Islands1 KYD = 2.1636 NZDCentral African Republic → Cook Islands1 XAF = 0.0031 NZDChad → Cook Islands1 XAF = 0.0031 NZDChile → Cook Islands1 CLP = 0.0018 NZDChina → Cook Islands1 CNY = 0.2701 NZDChristmas Island → Cook Islands1 AUD = 1.2382 NZDCocos (Keeling) Islands → Cook Islands1 AUD = 1.2382 NZDColombia → Cook Islands1 COP = 0.0006 NZDComoros → Cook Islands1 KMF = 0.0041 NZDCongo - Kinshasa → Cook Islands1 XAF = 0.0031 NZDCosta Rica → Cook Islands1 CRC = 0.0040 NZDCroatia → Cook Islands1 HRK = 0.2666 NZDCuba → Cook Islands1 CUP = 0.0700 NZDCyprus → Cook Islands1 EUR = 2.0087 NZDCzechia → Cook Islands1 CZK = 0.0826 NZDDenmark → Cook Islands1 DKK = 0.2687 NZDDjibouti → Cook Islands1 DJF = 0.0103 NZDDominica → Cook Islands1 XCD = 0.6672 NZDDominican Republic → Cook Islands1 DOP = 0.0297 NZDEcuador → Cook Islands1 USD = 1.8032 NZDEcuador → Cook Islands1 USD = 1.8032 NZDEcuador → Cook Islands1 USD = 1.8032 NZDEcuador → Cook Islands1 USD = 1.8032 NZDEcuador → Cook Islands1 USD = 1.8032 NZDEgypt → Cook Islands1 EGP = 0.0335 NZDEl Salvador → Cook Islands1 SVC = 0.2061 NZDEquatorial Guinea → Cook Islands1 XAF = 0.0031 NZDEritrea → Cook Islands1 ERN = 0.1202 NZDEstonia → Cook IslandsEEK / NZDEswatini → Cook Islands1 SZL = 0.1089 NZDEthiopia → Cook Islands1 ETB = 0.0110 NZDFalkland Islands → Cook Islands1 FKP = 2.4077 NZDFaroe Islands → Cook Islands1 DKK = 0.2687 NZDFiji → Cook Islands1 FJD = 0.7995 NZDFinland → Cook Islands1 EUR = 2.0087 NZDFrance → Cook Islands1 EUR = 2.0087 NZDFrench Guiana → Cook Islands1 EUR = 2.0087 NZDFrench Polynesia → Cook Islands1 XPF = 0.0168 NZDGabon → Cook Islands1 XAF = 0.0031 NZDGambia → Cook Islands1 GMD = 0.0242 NZDGeorgia → Cook Islands1 GEL = 0.6949 NZDGhana → Cook Islands1 GHS = 0.1543 NZDGibraltar → Cook Islands1 GIP = 2.4077 NZDGreece → Cook Islands1 EUR = 2.0087 NZDGreenland → Cook Islands1 DKK = 0.2687 NZDGrenada → Cook Islands1 XCD = 0.6672 NZDGuadeloupe → Cook Islands1 EUR = 2.0087 NZDGuadeloupe → Cook Islands1 EUR = 2.0087 NZDGuam → Cook Islands1 USD = 1.8032 NZDGuatemala → Cook Islands1 GTQ = 0.2360 NZDGuernsey → Cook Islands1 GBP = 2.4077 NZDGuinea → Cook Islands1 GNF = 0.0002 NZDGuinea → Cook Islands1 PGK = 0.4014 NZDGuinea-Bissau → Cook Islands1 XOF = 0.0031 NZDGuyana → Cook Islands1 GYD = 0.0086 NZDHaiti → Cook Islands1 HTG = 0.0138 NZDHeard & McDonald Islands → Cook Islands1 AUD = 1.2382 NZDHonduras → Cook Islands1 HNL = 0.0666 NZDHong Kong SAR China → Cook Islands1 HKD = 0.2300 NZDHungary → Cook Islands1 HUF = 0.0055 NZDIceland → Cook Islands1 ISK = 0.0147 NZDIndonesia → Cook Islands1 IDR = 0.0001 NZDIraq → Cook Islands1 IQD = 0.0012 NZDIreland → Cook Islands1 EUR = 2.0087 NZDIsle of Man → Cook Islands1 GBP = 2.4077 NZDIsrael → Cook Islands1 ILS = 0.5660 NZDItaly → Cook Islands1 EUR = 2.0087 NZDJamaica → Cook Islands1 JMD = 0.0114 NZDJapan → Cook Islands1 JPY = 0.0114 NZDJersey → Cook Islands1 GBP = 2.4077 NZDJordan → Cook Islands1 JOD = 2.5433 NZDKazakhstan → Cook Islands1 KZT = 0.0040 NZDKenya → Cook Islands1 KES = 0.0139 NZDKiribati → Cook Islands1 AUD = 1.2382 NZDKorea South → Cook Islands1 KRW = 0.0013 NZDKuwait → Cook Islands1 KWD = 5.7980 NZDKyrgyzstan → Cook Islands1 KGS = 0.0206 NZDLaos → Cook Islands1 LAK = 0.0001 NZDLatvia → Cook IslandsLVL / NZDLebanon → Cook Islands1 LBP = 0.0000 NZDLesotho → Cook Islands1 ZAR = 0.1091 NZDLiberia → Cook Islands1 LRD = 0.0106 NZDLibya → Cook Islands1 LYD = 0.2804 NZDLiechtenstein → Cook Islands1 CHF = 2.1973 NZDLithuania → Cook IslandsLTL / NZDLuxembourg → Cook Islands1 EUR = 2.0087 NZDMacao SAR China → Cook Islands1 MOP = 0.2234 NZDMadagascar → Cook Islands1 MGA = 0.0004 NZDMalawi → Cook Islands1 MWK = 0.0010 NZDMalaysia → Cook Islands1 MYR = 0.4439 NZDMaldives → Cook Islands1 MVR = 0.1167 NZDMali → Cook Islands1 XOF = 0.0031 NZDMalta → Cook Islands1 EUR = 2.0087 NZDMarshall Islands → Cook Islands1 USD = 1.8032 NZDMartinique → Cook Islands1 EUR = 2.0087 NZDMauritania → Cook IslandsMRO / NZDMauritius → Cook Islands1 MUR = 0.0383 NZDMayotte → Cook Islands1 EUR = 2.0087 NZDMexico → Cook Islands1 MXN = 0.0968 NZDMoldova → Cook Islands1 MDL = 0.1009 NZDMonaco → Cook Islands1 EUR = 2.0087 NZDMongolia → Cook Islands1 MNT = 0.0005 NZDMontenegro → Cook Islands1 EUR = 2.0087 NZDMontserrat → Cook Islands1 XCD = 0.6672 NZDMorocco → Cook Islands1 MAD = 0.1845 NZDMozambique → Cook Islands1 MZN = 0.0282 NZDMyanmar (Burma) → Cook Islands1 MMK = 0.0009 NZDNamibia → Cook Islands1 ZAR = 0.1091 NZDNauru → Cook Islands1 AUD = 1.2382 NZDNepal → Cook Islands1 NPR = 0.0119 NZDNetherlands → Cook Islands1 EUR = 2.0087 NZDNetherlands Antilles → Cook Islands1 ANG = 1.0074 NZDNew Caledonia → Cook Islands1 XPF = 0.0168 NZDNew Zealand → Cook Islands1 NZD = 1.0000 NZDNew Zealand → Cook Islands1 NZD = 1.0000 NZDNicaragua → Cook Islands1 NIO = 0.0490 NZDNiger → Cook Islands1 XOF = 0.0031 NZDNigeria → Cook Islands1 NGN = 0.0013 NZDNiue → Cook Islands1 NZD = 1.0000 NZDNorfolk Island → Cook Islands1 AUD = 1.2382 NZDNorthern Mariana Islands → Cook Islands1 USD = 1.8032 NZDNorth Korea → Cook Islands1 KPW = 0.0020 NZDNorth Macedonia → Cook Islands1 MKD = 0.0327 NZDNorway → Cook Islands1 NOK = 0.1905 NZDNorway → Cook Islands1 NOK = 0.1905 NZDOman → Cook Islands1 OMR = 4.6897 NZDPakistan → Cook Islands1 PKR = 0.0065 NZDPalau → Cook Islands1 USD = 1.8032 NZDPanama → Cook Islands1 PAB = 1.8032 NZDParaguay → Cook Islands1 PYG = 0.0003 NZDPeru → Cook Islands1 PEN = 0.5235 NZDPhilippines → Cook Islands1 PHP = 0.0286 NZDPoland → Cook Islands1 PLN = 0.4572 NZDPortugal → Cook Islands1 EUR = 2.0087 NZDPuerto Rico → Cook Islands1 USD = 1.8032 NZDQatar → Cook Islands1 QAR = 0.4950 NZDRomania → Cook Islands1 RON = 0.3762 NZDRussia → Cook Islands1 RUB = 0.0220 NZDRwanda → Cook Islands1 RWF = 0.0012 NZDRéunion → Cook Islands1 EUR = 2.0087 NZDSamoa → Cook Islands1 USD = 1.8032 NZDSamoa → Cook Islands1 WST = 0.6555 NZDSan Marino → Cook Islands1 EUR = 2.0087 NZDSaudi Arabia → Cook Islands1 SAR = 0.4802 NZDSenegal → Cook Islands1 XOF = 0.0031 NZDSerbia → Cook Islands1 RSD = 0.0171 NZDSeychelles → Cook Islands1 SCR = 0.1294 NZDSierra Leone → Cook Islands1 SLL = 0.0001 NZDSingapore → Cook Islands1 SGD = 1.4057 NZDSlovakia → Cook Islands1 EUR = 2.0087 NZDSlovenia → Cook Islands1 EUR = 2.0087 NZDSolomon Islands → Cook Islands1 SBD = 0.2240 NZDSomalia → Cook Islands1 SOS = 0.0032 NZDSouth Africa → Cook Islands1 ZAR = 0.1091 NZDSpain → Cook Islands1 EUR = 2.0087 NZDSri Lanka → Cook Islands1 LKR = 0.0054 NZDSt. Helena → Cook Islands1 SHP = 2.4077 NZDSt. Kitts & Nevis → Cook Islands1 XCD = 0.6672 NZDSt. Lucia → Cook Islands1 XCD = 0.6672 NZDSt. Pierre & Miquelon → Cook Islands1 EUR = 2.0087 NZDSt. Vincent & Grenadines → Cook Islands1 XCD = 0.6672 NZDSudan → Cook Islands1 SDG = 0.0030 NZDSuriname → Cook Islands1 SRD = 0.0480 NZDSweden → Cook Islands1 SEK = 0.1822 NZDSwitzerland → Cook Islands1 CHF = 2.1973 NZDSyria → Cook Islands1 SYP = 0.0001 NZDSão Tomé & Príncipe → Cook IslandsSTD / NZDTaiwan → Cook Islands1 TWD = 0.0550 NZDTajikistan → Cook Islands1 TJS = 0.1955 NZDTanzania → Cook Islands1 TZS = 0.0007 NZDThailand → Cook Islands1 THB = 0.0537 NZDTogo → Cook Islands1 XOF = 0.0031 NZDTokelau → Cook Islands1 NZD = 1.0000 NZDTonga → Cook Islands1 TOP = 0.7489 NZDTrinidad & Tobago → Cook Islands1 TTD = 0.2659 NZDTunisia → Cook Islands1 TND = 0.6040 NZDTurkmenistan → Cook Islands1 TMT = 0.5152 NZDTurks & Caicos Islands → Cook Islands1 USD = 1.8032 NZDTuvalu → Cook Islands1 AUD = 1.2382 NZDTürkiye → Cook Islands1 TRY = 0.0360 NZDUganda → Cook Islands1 UGX = 0.0004 NZDUkraine → Cook Islands1 UAH = 0.0398 NZDUnited Arab Emirates → Cook Islands1 AED = 0.4909 NZDUruguay → Cook Islands1 UYU = 0.0447 NZDUzbekistan → Cook Islands1 UZS = 0.0002 NZDVanuatu → Cook Islands1 VUV = 0.0152 NZDVenezuela → Cook IslandsVEF / NZDVietnam → Cook Islands1 VND = 0.0001 NZDWallis & Futuna → Cook Islands1 XPF = 0.0168 NZDWestern Sahara → Cook Islands1 MAD = 0.1845 NZDYemen → Cook Islands1 YER = 0.0076 NZDZambia → Cook IslandsZMK / NZDZimbabwe → Cook Islands1 ZWL = 0.0056 NZD
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