The world of international payments made easy

With an International Payments Account from WorldFirst, you can pay your overseas suppliers and staff as easily as if they were around the corner.

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Speed up international payments

Same-day payments available for major currencies. 

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Reach out to more suppliers

Pay in 50+ currencies, so you can buy more competitively, from more countries.

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Bank-beating exchange rates

Great exchange rates with margins of 0.60% or less.

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.

Our pricing

Margin0.60% or less
Collection/Receiving fees$0
Account management fees$0
Opening local currency receiving accounts$0

^Our payment fees are determined by factors including the location where you and your payee are based and the currency you want to convert to.

Spot contract icon

Spot contracts

If you need to make an international payment with very little notice, a spot contract could provide the perfect solution.

You can make a payment as soon as you’ve agreed your rate and we’ve received cleared funds.

Fixed forward contracts

Forward contracts

Lock in an exchange rate for up to two years with a forward contract and help protect budgets from adverse currency fluctuations and mitigate risk.

Firm Order icon

Firm orders

With a firm order, you instruct us to execute a transaction on your behalf at a rate of your choosing.

When the rate hits the level you want we’ll act immediately, leaving you free to concentrate on your business.

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.


Open a free International Payments Account today

The International Payments Account is free to open with no monthly or annual fees, plus no deposit requirement or cap on transfers.
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