Buy NZ dollars (NZD) for Cook Islands at the Best Rate

Get your Cook Islands currency fast 💸

ASIC regulatedAustralian owned

Exchange Rate
Service Fee
New Zealand Dollar

Rates & fees are the same in-store and online

ASIC regulatedAustralian owned

Compare us with other providers

See why S Money provides the best value

Australian Dollar
6 results found - Results rounded down to nearest available denomination
  • 1.0932
  • 61.47 AUD
  • $2,000 AUD
  • Best Price
  • 1.0553
  • 0.00 AUD
  • $1,990 AUD
  • $10 less
  • 1.0532
  • 0.00 AUD
  • $1,994 AUD
  • $6 less
  • 1.0419
  • 0.00 AUD
  • $2,016 AUD
  • $16 more expensive
  • 1.0497
  • 20.00 AUD
  • $2,021 AUD
  • $21 more expensive
  • 1.0350
  • 0.00 AUD
  • $2,029 AUD
  • $29 more expensive

How to buy NZ dollars for Cook Islands

Go In Store

Get your currency straight away

Pay in cash

Available in Sydney and Melbourne only

Store Collection

Pay ahead of time

Ready in less than a week. Then pick it up when it suits you.

Available in NSW, VIC, QLD, WA & SA

Secure Delivery

StarTrack delivery by Australia Post

Sent to your local Post Office if you aren't home

Available Australia wide

More Frequently Asked Questions

c Expand All C Collapse All

You can either

  1. Head into one of our stores to buy or sell currency
  2. Order online and collect your currency at one of our 15 store collection locations
  3. Order online and have it securely delivered to any address in Australia


Is home delivery safe?

Absolutely. We use StarTrack by Australia Post. The driver will require you to provide I.D before handing the order over. It will not be left unattended or given to anyone else.


What if I’m not home?

Your order will go to your local post office. You will be notified and can head down and collect your order when it’s convenient. Just remember to bring your I.D.

We process your order as soon as we’ve received payment and we try our best to get this to you.

Store Collection orders are available on within 1-3 business day  – once we have received your payment.

Home Delivery orders usually arrive the within 2-3 business days – once we have received your payment.

You will be notified by email and text as soon as your currency is ready for collection or delivery.

We have stores in Sydney and Melbourne plus a number of collection locations across NSW, VIC, QLD, WA and SA.

With these collection locations, you must order online and pay before you head into store.

If you don’t live in these areas, we offer safe, fast home delivery to every address in Australia.


The S Money Melbourne CBD store is located at 44 Spencer Street, Melbourne VIC 3000.

The store is right next to the Great Southern Hotel and less than 100 metres from Southern Cross Train Station.
It is open 9am to 5pm – Monday to Friday and 10am to 3:30pm on Saturday & Sunday.


The S Money Sydney CBD store is located at Wharf 6, Circular Quay.
The store is on the wharf nearest to The Museum of Contemporary Art at The Rocks.
It is open 9am to 5pm – Monday to Friday and 10am to 3:30pm on Saturday & Sunday.

You can sell us your foreign currency at our Melbourne or Sydney store.


If you walk in-store, you can pay in cash.

Alternatively if you would like to lock in the rate and the stock, you can place an order online by selecting “Go In-Store” and “Bank Transfer”

Online orders

For store collection and home delivery orders, you will receive an email with instructions on how to pay.

Most customers pay us by an internet banking transfer.

Payments must be made from an account in your name and not from a business account.

We don’t have a minimum order amount.

For Home delivery or Post Office Collection orders, you can order up to $6,000 AUD in one order, and up to $9,500 AUD per day.

For Store Pick orders, you can order up to $20,000 AUD in one order.

Yes! For popular currencies, click Request Denominations when getting a quote.

Please note – denominations requests are not available on all currencies and are not guaranteed. We do our very best to provide the mix of notes you want but it really depends on what stock we have at the time.

These requests are performed on a best efforts basis.

Our fees depend on the currency and amount you order.

We aim to be upfront and transparent about what we charge and what it’s for.

Unlike other businesses we don’t try to hide this charge in the exchange rate. All orders will incur a service fee. This covers the cost of buying the currency and GST, along with a small profit.

Fees and Charges

Service Fee

The Service Fee depends on the currency and amount you order.


$28 flat fee for secure delivery to your door with StarTrack by Australia Post.

Express Pickup

In-store transactions are subject to a $5 fee.

Buying Cook Islands' Currency in Australia

Where is the best place to buy NZ dollars for the Cook Islands in Australia?

If you like the reassurance of having the local currency readily available from the moment you step off the plane in the Cook Islands, you have three options to pick up the cash before you go:

  • Buy the currency online and either collect it in-store or have it delivered to you.
  • Collect from a currency exchange store.
  • Most expensively, buy the currency at the airport.

Online money changers like S Money are often an easy and cheap way to buy NZ dollars online but it may not necessary be as quick as walking into a store. Companies like Travelex also offer a foreign exchange service online but it takes between two and five business days before the currency is ready for pick-up or delivery so you need to be organised!

Alternatively, buying your currency in-store can be a good option but it all depends on where you go. The money changers in the centre of the main cities like Sydney or Melbourne tend to be more competitive than smaller stores in the suburbs.

Only change money at the airport as a last resort. The exchange rates and fees at Australian airports are among the worst in the world so avoid it at all costs if you want to get the best bang for your buck.

Learn more: The Best Places to Buy NZ dollars in Australia


What is the cheapest way to buy NZ dollars?

In Australia, for amounts up to $5,000 it is often cheaper to buy NZ dollars online. If you need a larger amount, it's better to go into a store in the city because there is more competition and you can negotiate in person.

The key to finding the best deal is to compare your options to buy NZ dollars in cash. Make sure that you compare not just the exchange rate, but the total cost of your currency including any service or delivery fees.

Here are 5 top ways currently available in Australia

  1. Online - If you are looking to buy some NZ dollars in cash, you can now do it online. It's similar to buying anything else online but you will need some ID on hand. Online money changers, like S Money, have the best exchange rates. Most will either deliver it to your home or allow click and collect.
  2. In-store -  this is one of the best ways to get your currency fast. Just locate a store near you and bring your ID. It's a good idea to call ahead to check their rates and to make sure they have enough New Zealand dollars in stock.
  3. Overseas - Sometimes it can actually be cheaper to buy your NZ dollars abroad. In Auckland, on Queen street have very competitive money changers if you are willing to go out of your way to find them.
  4. International money transfers - If you are sending money from Australia to New Zealand, using a money transfer service like Wise or OFX is a great way to convert your currency. These online services are a much cheaper option than using an Australian bank.
  5. Travel money cards - These cards used to have terrible exchange rates and a heaps of hidden fees. While this is still the case with most bank travel cards, there are much better options available. These include Revolut, Wise and the 28 Degrees card.


Should you NZ dollars now or later?

As a rule of thumb, if you are buying NZD with Australian dollars, you want the AUD/NZD exchange rate to be as high as possible. The higher the rate, the better it is for you. It means that you will receive more NZ dollars for the same amount of Australian dollars.

Unfortunately there isn't a particular day of the week or time of the day that is the best time.

While it's impossible to pick the perfect time, you can set up a free rate tracker to keep an eye on the rate.

Also keep in mind that if you buy it online, it may take 2-4 business days to arrive so make sure you finalise your financial transaction at least a week before you are due to travel overseas.

Learn more: When is the best time to buy NZ dollars with Australian dollars?


How much currency do you need for spending?

New Zealand is renowned for its adventurous holidays, from ski packages in Queenstown to cruises through Milford Sound. With options like bungee jumping, glacier hiking, snowboarding, and skydiving available, it’s hard to know exactly how much money you’ll need to appreciate the full Kiwi experience.

If you are confused about how much money to take to New Zealand for 1, 2 or 4 weeks, read our detailed review to answer all your questions.

The cost to holiday across the Tasman is similar to Australia. To help you plan how much things cost in New Zealand read our in-depth article on currency in New Zealand.

About New Zealand Dollars

New Zealand dollars banknotes consist of $5, $10, $20, $50 and $100
Country New Zealand
Official Currency New Zealand Dollar
Currency Code NZD
Currency Symbol $
Banknote Denominations $5, $10, $20, $50 and $100
Coin Denominations 10¢, 20¢, 50¢, $1 and $2
In Stock Yes
Current Rate 1.0932

What currency is used in New Zealand?

Currency in New Zealand - Banknotes

The currency used in New Zealand is called the New Zealand dollar its represented by the symbol is $ and its 3 letter code is NZD.

It has 10 denominations made up of five coins and five banknotes. The five coins have values of 10 cents, 20 cents, 50 cents, $1, and $2. New Zealand’s banknotes have values of $5, $10, $20, $50, and $100.

New Zealand coins are almost identical to Australian, which probably explains why so many of us have mistakenly used it or been given it as change back home.

New Zealand Currency - Coins

New Zealand has banished the one, two, and five cent coins. Instead, most items ending with costs between one and four cents are rounded down while those ending in six to nine cents are rounded up. For prices ending with five cents, the retailer can choose how to handle the costs.

New Zealand banknotes are made with the same polymer you find on Australian notes, with the plastic quality making the notes water and tear-resistant.

Each note features the image of a native New Zealand bird on one side and a notable New Zealander on the other (with the exception of Queen Elizabeth II on the $20 note).

Can I use Australian dollars in New Zealand?

Australian dollars are not accepted anywhere in New Zealand so you'll have to convert them either before you leave or as soon as you arrive. Cards are a different story. Almost every Australian credit and debit card is accepted in New Zealand so you can use them as you please. Just make sure to keep an eye on the foreign currency conversion charges that the banks may add to each transaction.

Where can I use New Zealand dollars

The New Zealand dollar is accepted as currency in the following countries:

  • New Zealand
  • Cook Islands
  • Niue
  • Pitcairns Islands
  • Tokelau

Cook Islands, Niue, Pitcairns Islands and Tokelau are located in Polynesia. They are north of New Zealand in the Pacific ocean.

Where else can I use my NZD?

5 Everyday Things You’ll Need NZ Dollar Cash for

cash is preferred sign

If you are heading overseas, it's handy to carry some NZ Dollar cash with you along with your debit, credit or travel card. Here are 5 common things you may need cash for:

  1. Tipping - Having small denominations like 1 dollar or 5 dollar banknotes makes it so much easier to show your appreciation.
  2. If your card doesn't work - If your card gets frozen by your bank while you are overseas, having some cash on hand to get you through a few days until the problem is fixed is always handy.
  3. Markets -  One of the best local experiences is heading down to a market. A lot of vendors will have card facilities but many will only accept cash.
  4. Tours - A great way to see a new city is to take a tour. Some of these "Free" walking tours still rely on a cash tip at the end of the day.
  5. Cash only - Some shops and venues just aren't set up for cards. This could be anything from the local ice cream truck, a local bus or even a toilet!

Travel Money Tips to Get You Through Your Next Trip

Millions of travellers head to the NZ each year. Sadly, many waste their money on unnecessary foreign currency conversion. So here are a few practical tips to help you get the most bang for your buck:

  1. Avoid the airports! Currency exchange bureaux at the airport charge epic fees. If you like a good deal – or even just a reasonable one – avoid these at all costs.
  2. Only carry what you need – It can be expensive to change NZDs back into AUDs so only take what you think you will spend. Not only this – nobody likes to tuck wads of notes into their socks and toiletries for safekeeping on longer journeys.
  3. Ask for a mix of denominations – It’s always hard to get rid of those pesky $100 bills so try to get a mix of $20 and $10 notes.
  4. Check your exchange rate – Google and are the standard market exchange rate but you’ll notice how wildly bank and currency exchanges can vary their rates. Try to get as close to the market rate as possible.
  5. Look out for hidden fees – The bane of our (financial) existence, hidden fees will often make a huge difference to the cost of your holiday. Be particularly wary of hidden bank fees for overseas card usage.
  6. The right card makes all the difference – Having a card is convenient but it can take a hit to the bank account if you have the wrong card. Research and arm yourself with the best card for travel for big savings.
  7. Mix it up! Many travellers only use their credit card while some only think about cash. But the best option depends on your situation. Save the card for huge purchases such as hotels and car hire and reserve your cash for smaller wins – transport, attractions, or meals out.
Tips and Hints to get the most US currency on your holiday or trip to the US.
Updated: Posted on