Applied rates
First Credit Union has no live verifiable rates in our sources right now; its published pricing is below.
Published card fee
By published card fee, First Credit Union ranks #9 of 12 banks open to new customers that we track in New Zealand today.
Rabobank New Zealand publishes the lowest card fee in New Zealand today: 1% (vs First Credit Union's 2.25%). See its page →
Where these numbers come from
Card: the ECB reference rate plus the bank's published margin. Transfers: no published data.
Compare First Credit Union with every bank in the country on the daily New Zealand table, check what each card charges, or price what your money is worth abroad.
Frequently asked questions
What exchange rate does First Credit Union use?
First Credit Union prices card payments via the ECB reference rate plus the bank's published margin. Rates on this page are indicative, derived from published data, and regenerate daily.
What does First Credit Union charge for card payments abroad?
First Credit Union publishes a 2.25% foreign-transaction fee on card payments, verified 2026-07-23.
Is there a cheaper bank than First Credit Union in New Zealand?
Yes — as of today, Rabobank New Zealand publishes the lowest card fee (1%) among banks open to new customers that we track in New Zealand.
Rates shown are indicative, derived from each bank's publicly published data, and may differ from the final rate applied at transaction time. MyRate FX is independent and not affiliated with any listed bank. No bank pays for position; sponsored links are labeled and never alter ordering.