Currency Converter - Exchange Rate Calculator (2025)

Benefits of our money converter

The rates shown are for exchanging NZD to foreign currency only. Want to exchange foreign currency? Easy. Convert to NZD at your local store.

How to calculate exchange rates

To calculate an exchange rate, simply multiply your home currency by the current rate.

When dealing with currency exchange, it's essential to know how to convert between your local currency and a foreign currency. Here's a straightforward guide to help you understand the process.

Converting Local Currency to Foreign Currency

To convert your local currency (e.g. NZD) to a foreign currency (e.g. USD), you need to multiply the amount by the exchange rate. For example, if the exchange rate is 0.65, you can calculate it as follows:
Example:

• NZD 100 * 0.65 = USD 65

This means NZD 100 is equivalent to USD 65.

Converting Foreign Currency to Local Currency

To find out how much a foreign currency amount will cost in your local currency, you need to divide the foreign amount by the exchange rate. Using the same exchange rate of 0.65, here's how you can do it:
Example:

• USD 100 / 0.65 = NZD 153.85

This means USD 100 is equivalent to NZD 153.85.

By understanding these simple steps, you can easily manage your currency conversions and make informed financial decisions.

Remember, the equivalent foreign currency value you receive may vary depending on whether you're buying or selling, and may include fees or margins. For the most accurate result, use our currency exchange rate calculator.

New to FX? Get the lowdown on currency jargon to better understand the key terms and what they mean for your foreign currency.

After calculating your currency conversion, you may want to consider buying currency at a suitable rate. You can convert your dollars with Travelex, either online or in-store across Australia. Lock-in our best exchange rates* when you order online.

Travel money conversion

The currency converter above shows exchange rates for foreign cash only but you can lock-in our best exchange rates* when you order the Travelex Money Card online.

Check exchange rates for both cash and our prepaid multi currency card.

Frequently asked questions

• Why do currency conversion rates change?

  Currency conversion rates differ daily because global currencies are constantly being traded on international financial markets. These rates fluctuate based on supply and demand, as well as economic trends, political developments, and market speculation. The rate can also vary depending on your payment currency, particularly if you're transacting across borders or using different currencies for purchases. As a result, the foreign currency equivalent value of your money can shift from day to day.

• Is there a good time to convert currency?

  It’s difficult to predict exactly when rates will be most favourable, as market movements can be sudden and unpredictable. However, our currency converter tool lets you view historical conversion rates so you can compare how today’s rate stacks up against past data. This can help you make informed decisions around foreign currency conversions.

• Why do currency conversion rates differ between companies

  A company providing foreign currency needs to cover all the costs of supplying people with currency. The cost of providing foreign currency online is usually less compared to a physical retail store or overseas banks, so you’ll usually get a better rate online.

  If you leave exchanging money until the last minute before you depart, you’ll probably end up paying a little bit more, due to the costs involved in providing you with this service, so it makes sense to plan ahead with a foreign exchange calculator.