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New Zealand Dollar (NZD) is the currency of New Zealand, issued by the Reserve Bank of New Zealand. Track any NZD cross-border SWIFT payment free with Ohmyfin — paste your UETR or bank reference to see the live status.
NZD settles via ESAS (Exchange Settlement Account System). International NZD uses SWIFT MT103, often via an Australian correspondent.
Typical processing time: 1-2 business days.
On a SWIFT MT103, the NZD amount appears in field 32A together with the value date. The currency code is part of the ISO 4217 standard, so "NZD" means the same thing in every bank in the world.
If your NZD payment is missing or stuck, the most common reasons are correspondent-bank cut-off times, sanctions screening on the beneficiary or originator, or a missing field on the MT103 (purpose-of-payment, beneficiary address). Ohmyfin shows you exactly where the payment is in the chain.
| ISO 4217 code | NZD |
|---|---|
| Full name | New Zealand Dollar |
| Country / region | New Zealand |
| Central bank | Reserve Bank of New Zealand |
| Typical SWIFT speed | 1-2 business days. |
| RTGS / clearing system | ESAS (RBNZ) |
|---|---|
| Daily cut-off (local) | 16:30 NZST |
| Next major holidays | Waitangi Day (6 Feb) ANZAC Day (25 Apr) Labour Day (4th Mon Oct) |
1-2 business days.
Yes — paste your UETR or MT103 reference and Ohmyfin returns the latest available SWIFT status of any NZD payment, including which correspondent bank holds it.
The beneficiary IBAN or account number, the beneficiary bank BIC (SWIFT code), and the beneficiary name and address. For larger amounts, a purpose-of-payment code is usually required.
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