How to send money to Cook Islands the cheapest & fastest way

How we help you transfer money to Cook Islands from USA at the best rate:

  1. Hidden costs exposed by comparing the money transfer services USD-NZD conversion rate to the mid-market exchange rate
  2. Real-time total costs including all fees and the exchange rate markup
  3. Full transparency, comparing 12 money transfer providers such as Wise, RIA, Remitly, Western Union and WorldRemit
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Cook Islands
  • Afghanistan
  • Åland Islands
  • Albania
  • Algeria
  • American Samoa
  • Andorra
  • Angola
  • Anguilla
  • Antarctica
  • Antigua and Barbuda
  • Argentina
  • Armenia
  • Aruba
  • Australia
  • Austria
  • Azerbaijan
  • Bahamas
  • Bahrain
  • Bangladesh
  • Barbados
  • Belarus
  • Belgium
  • Belize
  • Benin
  • Bermuda
  • Bhutan
  • Bolivia
  • Bosnia and Herzegovina
  • Botswana
  • Bouvet Island
  • Brazil
  • British Indian Ocean Territory
  • British Virgin Islands
  • Brunei
  • Bulgaria
  • Burkina Faso
  • Burundi
  • Cambodia
  • Cameroon
  • Canada
  • Cape Verde
  • Caribbean Netherlands
  • Cayman Islands
  • Central African Republic
  • Chad
  • Chile
  • China
  • Christmas Island
  • Cocos (Keeling) Islands
  • Colombia
  • Comoros
  • Cook Islands
  • Costa Rica
  • Croatia
  • Cuba
  • Curaçao
  • Cyprus
  • Czechia
  • Denmark
  • Djibouti
  • Dominica
  • Dominican Republic
  • DR Congo
  • Ecuador
  • Egypt
  • El Salvador
  • Equatorial Guinea
  • Eritrea
  • Estonia
  • Eswatini
  • Ethiopia
  • Falkland Islands
  • Faroe Islands
  • Fiji
  • Finland
  • France
  • French Guiana
  • French Polynesia
  • French Southern and Antarctic Lands
  • Gabon
  • Gambia
  • Georgia
  • Germany
  • Ghana
  • Gibraltar
  • Greece
  • Greenland
  • Grenada
  • Guadeloupe
  • Guam
  • Guatemala
  • Guernsey
  • Guinea
  • Guinea-Bissau
  • Guyana
  • Haiti
  • Heard Island and McDonald Islands
  • Honduras
  • Hong Kong
  • Hungary
  • Iceland
  • India
  • Indonesia
  • Iran
  • Iraq
  • Ireland
  • Isle of Man
  • Israel
  • Italy
  • Ivory Coast
  • Jamaica
  • Japan
  • Jersey
  • Jordan
  • Kazakhstan
  • Kenya
  • Kiribati
  • Kosovo
  • Kuwait
  • Kyrgyzstan
  • Laos
  • Latvia
  • Lebanon
  • Lesotho
  • Liberia
  • Libya
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Macau
  • Madagascar
  • Malawi
  • Malaysia
  • Maldives
  • Mali
  • Malta
  • Marshall Islands
  • Martinique
  • Mauritania
  • Mauritius
  • Mayotte
  • Mexico
  • Micronesia
  • Moldova
  • Monaco
  • Mongolia
  • Montenegro
  • Montserrat
  • Morocco
  • Mozambique
  • Myanmar
  • Namibia
  • Nauru
  • Nepal
  • Netherlands
  • New Caledonia
  • New Zealand
  • Nicaragua
  • Niger
  • Nigeria
  • Niue
  • Norfolk Island
  • North Korea
  • North Macedonia
  • Northern Mariana Islands
  • Norway
  • Oman
  • Pakistan
  • Palau
  • Palestine
  • Panama
  • Papua New Guinea
  • Paraguay
  • Peru
  • Philippines
  • Pitcairn Islands
  • Poland
  • Portugal
  • Puerto Rico
  • Qatar
  • Republic of the Congo
  • Réunion
  • Romania
  • Russia
  • Rwanda
  • Saint Barthélemy
  • Saint Helena, Ascension and Tristan da Cunha
  • Saint Kitts and Nevis
  • Saint Lucia
  • Saint Martin
  • Saint Pierre and Miquelon
  • Saint Vincent and the Grenadines
  • Samoa
  • San Marino
  • São Tomé and Príncipe
  • Saudi Arabia
  • Senegal
  • Serbia
  • Seychelles
  • Sierra Leone
  • Singapore
  • Sint Maarten
  • Slovakia
  • Slovenia
  • Solomon Islands
  • Somalia
  • South Africa
  • South Georgia
  • South Korea
  • South Sudan
  • Spain
  • Sri Lanka
  • Sudan
  • Suriname
  • Svalbard and Jan Mayen
  • Sweden
  • Switzerland
  • Syria
  • Taiwan
  • Tajikistan
  • Tanzania
  • Thailand
  • Timor-Leste
  • Togo
  • Tokelau
  • Tonga
  • Trinidad and Tobago
  • Tunisia
  • Turkey
  • Turkmenistan
  • Turks and Caicos Islands
  • Tuvalu
  • Uganda
  • Ukraine
  • United Arab Emirates
  • United Kingdom
  • United States Minor Outlying Islands
  • United States Virgin Islands
  • Uruguay
  • USA
  • Uzbekistan
  • Vanuatu
  • Vatican City
  • Venezuela
  • Vietnam
  • Wallis and Futuna
  • Western Sahara
  • Yemen
  • Zambia
  • Zimbabwe

Our comparison engine found 2 online money transfer services available to send money to Cook Islands from USA. The list is sorted by total transaction costs including the hidden USD-NZD exchange rate fees, starting with the cheapest money transfer services at the top:

Researching money transfer providers and comparing the best rate for sending money to Cook Islands can be time-consuming. Besides the total transfer fee, our list above shows you the different payment delivery options for each money transfer service.

Some factors to consider while evaluating the best way to send money to Cook Islands from USA are transfer fees, exchange rates, the speed of transfer and convenience. The cost of transferring money depends on the country in which you want the money sent as well as the way the payment is received (e.g. bank transfer, cash pickup, app). Also whether you want to pay for your transfer via bank deposit, debit card or in cash at a money transfer operator will affect your remittance to Cook Islands.

Best rate - The cheapest way to send money to Cook Islands

The overall cheapest money transfer service is WorldRemit with 'Bank' as the receiving payment method. In this case, the total transaction costs are $ -707318.36, whereas the service fee is $ 3.99 and the USD-NZD exchange rate is 3519.4777.

In comparison, you would pay a total cost of $ 98.94 to transfer money to Cook Islands if you selected to use WorldRemit for the very same international money transfer. Two other options for sending money to Cook Islands are worth considering: and .

Wire transfer - Send money to a Cook Islands bank account

Bank deposits: To make a wire transfer online and transfer your USD to a Cook Islands bank account in NZD, the most competitive option is currently WorldRemit. With $ 3.99 transfer fees for the bank transfer and a competitive USD-NZD currency exchange rate (currently at 1 USD = 3519.4777 NZD), it's the cheapest way to send money to a Cook Islands bank account.

When doing a wire transfer from USA to Cook Islands, it typically takes longer for the funds to arrive in the recipient's bank account compared to other money transfer methods such as cash delivery. International bank transfers do carry some risks and you need to make sure the bank details and payment details are correct or else the sent amount may end up in the wrong bank account.

Cash Pickup

Do you prefer a cash delivery method for the beneficiary to receive money at his preferred cash pick-up location in Cook Islands? We list several money transfer service providers able to send NZD for cash pickup in Cook Islands:

WorldRemit is currently the most competitive provider with a low transfer fee of $ 3.99 and a competitive USD-NZD exchange rate of 1 USD = 3519.4777 NZD. This results in a total transaction fee of $ -707318.36 to send money to Cook Islands resp. a local a cash pick-up branch there.

Since most payout locations operate 24/7, this kind of international money transfer is almost instant. Even more so when you pay with a credit card or a debit card. With a valid photo ID and the transaction reference number, the recipient can pick up the cash at a payout location of WorldRemit local partner network within minutes after the money has been transferred.

Best app to send money to Cook Islands

In case you want to transfer money online with a mobile wallet your best option is WorldRemit. By using their app to send money to Cook Islands from USA the transfer fee is $ 3.99 and the charge for the exchange rate is $ . This brings the total cost for the mobile-to-mobile remittance to $ -707318.36.

While it's a convenient transfer method to initiate your international money transfer with a tap on your smartphone, mobile wallets require a rather time-consuming sign-up process including a KYC (Know Your Customer) procedure. But besides that WorldRemit is a well-established money transfer company with a solid track record when it comes to mobile money and international transfers.

Remittance to Cook Islands

Have you ever wondered, why some of the best money transfer providers such as Remitly and WorldRemit have the term 'remit' in their name? This is derived from the word 'remittance' which is a payment of money that is transferred to another party. Theoretically, any payment of a bill could be a remittance. However, nowadays the word is mainly used to describe the process of money being sent to a family back home by someone working abroad. The recommended way to remit money to Cook Islands is by using the money transfer provider Stanford Federal Credit Union. At the time of writing, they boast the most competitive exchange rates to send money online to Cook Islands.

This recommendation was updated 17 days ago.