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Pacific Ezy Money Transfer

Pacific Ezy Money Transfer is a New‑Zealand–based corridor specialist focused on remittances from New Zealand to Samoa and Tonga, using its own branches and agents plus partners in Samoa.

Key Facts and Figures

  • Pacific Ezy operates several branches across the Auckland region with additional agents throughout New Zealand, serving Samoan and Tongan diaspora communities sending money home.​
  • Pacific Ezy’s average total cost for a NZD 200 remittance to Samoa is well below bank costs and among the cheapest in the corridor, helping drive down overall market prices.
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  • Click here to view ID requirements for sending
Mission Statement

Mission Statement

Pacific Ezy is a “corridor specialist” whose role is to provide low‑risk, low‑cost and accessible NZD remittance services between New Zealand and the Pacific, with [...]
  • Pacific Ezy is a “corridor specialist” whose role is to provide low‑risk, low‑cost and accessible NZD remittance services between New Zealand and the Pacific, with a specific focus on Samoa and Tonga.​
  • Its business model is built around community familiarity and accessibility, aiming to provide simple, trusted services for workers and families who remit small amounts frequently.
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Core Services

Core Services

Pacific Ezy's core services are cash‑based and account‑based transfers from New Zealand to Samoa (primary corridor) and Tonga, using Pacific Ezy branches and agents on [...]

Pacific Ezy’s core services are cash‑based and account‑based transfers from New Zealand to Samoa (primary corridor) and Tonga, using Pacific Ezy branches and agents on the sending side.

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Countries Covered

Countries Covered

In Samoa and Tonga, payments can be collected in cash at Pacific Ezy or partner (e.g., Pacific Way) branches or credited to local bank accounts, [...]

In Samoa and Tonga, payments can be collected in cash at Pacific Ezy or partner (e.g., Pacific Way) branches or credited to local bank accounts, offering flexibility for recipients.

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Fees and FX Rates

Fees and FX Rates

Pacific Ezy had an average total cost of about 7.75% for a NZD 200 transfer in early 2025, composed of an average fee of NZD 9.15 and an exchange‑rate [...]
  • Pacific Ezy had an average total cost of about 7.75% for a NZD 200 transfer in early 2025, composed of an average fee of NZD 9.15 and an exchange‑rate margin of about 4.23%.​
  • Earlier analysis by the New Zealand Treasury showed that at times Pacific Ezy’s total cost for NZD 200 remittances to Samoa dropped to the 4–5% range, well below bank offerings, and that its presence exerted downward pressure on competitors’ fees.
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Q and A Selection

Q and A Selection

Q: How does a typical transfer work? A: Customers visit a Pacific Ezy branch or agent in New Zealand, provide identification and recipient details in [...]

Q: How does a typical transfer work?

A: Customers visit a Pacific Ezy branch or agent in New Zealand, provide identification and recipient details in Samoa or Tonga, pay the amount plus fee, and the recipient can collect cash or receive a deposit in Samoa, often within the same day or next day.​

Q: What instruments and access points are used?

A: Pacific Ezy transfers can be initiated via agents or branches, with payouts through cash collection and, in some cases, bank deposits; internet‑initiated options are limited compared with larger global MTOs.​

Q: How fast are transfers?

A: Service levels in the NZ–Samoa corridor are typically “same day” or “next day” depending on cut‑off times and compliance checks, which is competitive for cash‑based MTOs.

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User Testimonaials

User Testimonaials

Formal public review datasets specific to Pacific Ezy are scarce; however, policy reports and stakeholder interviews note that Samoan households valued Pacific Ezy’s low fees [...]
  • Formal public review datasets specific to Pacific Ezy are scarce; however, policy reports and stakeholder interviews note that Samoan households valued Pacific Ezy’s low fees and familiarity, considering it a trusted and accessible channel, especially when bank costs were higher.​
  • Researchers also observe that some senders still use higher‑cost providers because of habit or convenience, indicating that Pacific Ezy’s competitive pricing does not automatically guarantee dominant market share.
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Compliance and Legal Info

Compliance and Legal Info

The Central Bank of Samoa lists Pacific Ezy Money Transfer Limited among licensed financial institutions; in the 2025 register it appears under Authorised Foreign Exchange Dealers/Money Transfer [...]
  • The Central Bank of Samoa lists Pacific Ezy Money Transfer Limited among licensed financial institutions; in the 2025 register it appears under Authorised Foreign Exchange Dealers/Money Transfer Operators with licence code MTO006 and internal reference 20149/20150.​
  • A 2025 exchange‑control booklet likewise names Pacific Ezy Money Transfer Limited among entities authorised to buy and sell foreign currency and handle outward payments, operating under the Exchange Control Regulation 1999 and subject to Central Bank approval processes.
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