Unicorn Currencies
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Send Money from Scotland to New Zealand

Scottish businesses and exporters paying New Zealand suppliers. Send GBP from Scotland, receive NZD in New Zealand with t+0 (2.3s avg within unicorn network).

✓ Competitive Advantage: Local GBP collection + local NZD delivery = no correspondent bank fees

Save £1,923 per £100k Payment

Scotland to New Zealand corridor savings

Traditional Bank
£2,428
  • ❌ 2-3 day settlement
  • ❌ Multiple correspondent banks
  • ❌ Hidden FX margins
  • ❌ High SWIFT fees
Unicorn Currencies
£505
  • ✓ T+0 (2.3s avg within Unicorn network)
  • ✓ Local GBP collection
  • ✓ Transparent 0.5% spread
  • ✓ Osko (via Australia)
Your Savings
79%
£1,923 per £100k
At £300k-£3M monthly, save £4,812/year

Sending from Scotland: What You Need to Know

GBP Origin Specifics

  • Scotland uses GBP currency
  • Post-Brexit customs documentation
  • FCA regulated payment services

Your Local Advantages

  • Local GBP account available
  • Faster Payments instant collection
  • No correspondent bank fees on origin side
Local Collection Method
Faster Payments
Instant (T+0) • UK domestic instant payments. Money available immediately.

Paying Suppliers in New Zealand: Compliance & Requirements

Regulatory Considerations

  • Reserve Bank of New Zealand regulations
  • NZ Customs Service documentation
  • GST (15%) on goods and services
  • MPI (Ministry for Primary Industries) biosecurity

Payment Best Practices

  • New Zealand = Dairy leader (Fonterra), premium wine
  • Close integration with Australian payment systems
  • Auckland + Wellington = Main business centers
  • Strict biosecurity - documentation critical for food/agriculture
Destination Settlement
T+0 (2.3s avg within Unicorn network)
via Osko (via Australia)

Scotland → New Zealand Corridor Insights

Popular Industries

  • Dairy
  • Meat
  • Wine

Peak Trading Hours

22:00-06:00 GMT (Australia business hours)

Best for rate execution and faster settlement

Typical Volume

£50k-£250k

Average transaction size for this corridor
Monthly volume: £300k-£3M
Compliance Notice: Subject to sanctions and compliance screening. Certain industries and countries not supported.

Ready to Send GBP from Scotland to New Zealand?

Save 79% on every payment with t+0 (2.3s avg within unicorn network). Local GBP collection available.

Open AccountView New Zealand Details

Bank of Canada registered PSP | FINTRAC licensed MSB