FX transparency tool

See what your bank is really charging

Compare specialist providers against your bank's real exchange rate — including the hidden margin they don't show you.

Free to use
No signup required to check
NZD, AUD, AED, GBP, USD corridors
🇳🇿 NZD → 🇭🇰 HKD Sending NZD 100,000
🏦 Your bank
Rate: 4.150  ·  No fee shown
41,500 HKD
−2% hidden margin
Revolut Best rate
Rate: 4.465  ·  No fee
44,650 HKD
+3,150 HKD vs bank
Panda Remit
Rate: 4.462  ·  No fee
44,620 HKD
+3,120 HKD vs bank
Wise
Rate: 4.458  ·  NZD 38.40 fee
44,388 HKD
+2,888 HKD vs bank
You could save
with Revolut on this transfer
+3,150 HKD
Indicative example · NZD → HKD corridor · rates updated daily

Select a corridor

→
NZD → HKD · specialist rates
Mid-market rate: 4.478 · Loading rates…
Enter your bank's quote to see your margin →
Provider Rate Hidden margin Fee

How HiddenRate works

Banks bury their margin in the exchange rate — not in the fees. Here's how to find it.

1
Enter your bank's quote
Type in the rate or amount your bank quoted you for an international transfer. Takes 30 seconds.
2
We calculate the hidden margin
We compare your bank's rate against the live mid-market rate to show you exactly what percentage margin they're taking.
3
See better alternatives
We show you specialist providers — Wise, OFX, Panda Remit and more — who beat your bank's rate on your specific corridor.
3–6%
Typical hidden margin NZ banks charge on international transfers
$0
Cost to use HiddenRate — free forever for rate checking
9+
Specialist providers compared on NZD → HKD alone
~1 min
To see your bank's hidden margin and what you could save

Your bank isn't showing you the full picture

Enter your next transfer quote and see exactly what it's costing you.

No account needed to check · Signup unlocks full comparison and FX diary