The Best Places to Buy Euro in New Zealand

At The Currency Shop, we keep things nice and simple. Because every company has different exchange rates and fees, finding the best deal can be a minefield. That’s where we step in. We bring together all your options, highlight the fees and rates per provider, and show you the best possible deals.

Buy Euro EUR

How to buy Euros (EUR) with NZD

EUR travel card

A EUR travel card can be used to spend money abroad. It is designed for those who are travelling to Europe where the currency conversion system might be unfamiliar. A Euro (EUR) travel card could be used to withdraw cash from an ATM and to pay at any point of sale places in Europe.

Wise debit card

A Wise debit card can be an easy way to exchange and spend the currency you need when travelling to Europe. You top up card balance in New Zealand dollars, and convert in euro (EUR) or any other currency you may need when travelling.

You will always get the mid-market rate to convert between currencies, to which there will be added a low, transparent fee. This multi-currency card will give you the best exchange rates for spending in EUR and 50+ other currencies.

You can withdraw money from an ATM whenever you need cash and spend like a local at any point of sales or online.

It's free to open a Wise account and you can order the travel debit card to be delivered in New Zealand for a one-off $14 charge.

Buy EUR Online

This is usually the cheapest way to buy currency, but you need some time. You can choose where to pick the order up from or get it home delivered.

Click and collect using Travelex

Money Changers

This is the best way to get currency quickly. You will find them in major shopping centres and towns.

Money Tips

  • The EUR 'buy' rates are better in your city. So it can be worth going there if you're exchanging more than $2,000
  • Always ask for a better rate. We've found you can often get a better deal just by asking, particularly if you're buying more than $100


Most banks do exchange currency. The issue is that they often have high fees, and don't offer very good rates. It's always better to compare rates elsewhere before deciding, but as a standard rule it's best to avoid your bank. Especially for a popular currency like the Euro.


Yes, you can buy currency at the airport. But that doesn't mean you should. While it's convenient, it's also very expensive.

Money Tips

  • Ordering it online and picking it up at the airport is much cheaper than buying it in person
  • If you've run out of time before your trip, it's definitely better to buy currency when you get overseas, or use your debit card instead

We compare New Zealand's most trusted brands

Our most frequently asked questions

1. What is the cheapest way to buy EUR?

When you buy EUR the amount you pay will come down to both the commission or conversion fee, and the exchange rate being offered by any provider. Currency exchange services and banks often add an extra fee in the exchange rate being used, which pushes up prices without you realising. This means the cheapest way to buy euro (EUR) is often to use a travel debit card or a specialist multi-currency account to spend and make card withdrawals with low fees and the real exchange rate.

2. Is it better to exchange money in New Zealand or Europe?

Whether you choose to buy your travel money in New Zealand or Europe comes down to personal preference. However, to make sure you get the best deal it’s important to look at the exchange rate being offered, to make sure it’s fair. Find the live mid-market exchange rate for your currency with a Google search, and look for a provider which offers this - or as close as possible to it. For many travellers the most reliable way to get a good rate is to use a travel debit card to spend or make cash withdrawals on arrival in Europe.

3. Should I exchange money before I travel?

It’s not usually necessary to buy EUR before you leave New Zealand. Many travellers find it more convenient to make a cash withdrawal at an ATM on arrival in Europe instead of exchanging money in advance. This can also mean you get a better exchange rate compared to using a currency exchange service before departure.

If you’re concerned about heading off to Europe with no cash in your pocket, just exchange a small amount before departing, and use your card to withdraw the bulk of the cash you need as and when you need it.

4. Do airports charge more for currency exchange?

Airport currency exchange services tend to be a very expensive way to get your travel money. While they may not have high upfront fees, the exchange rates offered are often pretty poor, which means you pay more than you need to when buying your EUR. If you really want to use an airport currency exchange service you might get a slightly better rate if you order your EUR in advance online and collect it at a kiosk in the airport - but making a cash withdrawal at an ATM on arrival is often the cheaper option.

5. Do banks charge for currency exchange?

Banks may charge an upfront fee for converting currencies as well as adding an extra fee in the form of an exchange rate markup. Often the upfront fee may look quite low, but the exchange rate markup can push up costs significantly.

6. How do you know if an exchange rate is good?

To get the best available exchange rate you’ll need to find a currency exchange service which offers the mid-market exchange rate or as close as possible to it. Find the live mid-market rate for your currency using a Google search or a reputable currency conversion app, and look for providers offering this rate if you can. Usually you’ll get the best deal when you use an online specialist service rather than a bank or airport currency exchange provider.

Want to find the best time to buy?

Simply use our free email alerts to track the rate daily. Or set the rate you want and we'll email you when it's time to buy.

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Ileana Ionescu
Content manager
With a background in business journalism, Ileana is an experienced content manager, creating content for Exiap that helps its audience make informed decisions about their finances.
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Last updated
July 12th, 2022