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We match our exchange rate with the rate show on Google or Xe. In real time.
This means you never pay over-inflated rates and can be 100% positive you are getting the most competitive exchange rate to buy your NZ dollars.
How to buy NZ dollars
1. Place your order
Choose between store pick up or secure home delivery.
2. Receive notifications
SMS messages & emails with instructions on how to pay and when it's ready.
3. Get your currency
You must show your photo I.D when you collect your order.
How long does it take?
- You'll receive a text and email confirming we've received your payment
- Once your payment is confirmed, delivery takes 2-3 business days depending on where you are in Australia
- You'll receive updates on when your order is coming. We'll also let you know if there is any unexpected delays
More Frequently Asked Questions
When you place an order with S Money, you can choose either Store Pickup, Home Delivery or Post Office Collection.
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?
If you are not going to be home, choose Post Office Collection.
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.
Home delivery and Post Office collections orders usually arrive the within 2-3 business days once we have received your payment.
Store Pickup orders are available on same day or the next business day at the latest – 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 including Brisbane.
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.
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.
We also have partnered with other leading currency exchange brands to offer you pickup store locations in Brisbane.
With these stores in Brisbane and Sydney, you must order online and pay before you head into store.
You can sell us your foreign currency at our Melbourne store.
It’s located at 44 Spencer Street, Melbourne right next to the Great Southern Hotel.
Once you have placed your order, you will receive an email with instructions on how to pay. Most customers pay us by an internet banking transfer. We do not accept cash, cheque or Paypal.
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! You can call or email us if you have specific denomination requirements and we will do our very best to meet them.
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.
Service and delivery fees
The Service Fee depends on the currency and amount you order.
It's a flat fee for secure delivery to your door with StarTrack by Australia Post.
Paying by Card in Store
In-store card transactions are subject to a merchant fee.
Buying NZ Dollars in Australia
Where is the best place to buy NZ dollars in Australia?
If you like the reassurance of having the local currency readily available from the moment you step off the plane, 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
- 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.
- 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.
- 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.
- 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.
- 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.
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
|Official Currency||New Zealand Dollar|
|Banknote Denominations||$5, $10, $20, $50 and $100|
|Coin Denominations||10¢, 20¢, 50¢, $1 and $2|
What currency is used in New Zealand?
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 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
- Pitcairns Islands
Cook Islands, Niue, Pitcairns Islands and Tokelau are located in Polynesia. They are north of New Zealand in the Pacific ocean.