Making foreign exchange simple, transparent, and most importantly, all about you.

At Rayt, we offer a range of services that can be tailored to fit your exact needs. Whether you’re after quick transfers or need help managing currency risk, we’ve got the expertise and the personal touch to make it happen.
Local experience,
global reach
Capabilities in
130+ currencies
Transact in 
200+ countries
Secure
& regulated

Here to level the playing field for small and medium-sized businesses.

Why settle for being just another number in a system when you can have a team that knows your name, your business, and your goals?

At Rayt, we don’t just throw around fancy terms – we give you real savings, honest service, and a relationship you can count on. Our competitive foreign exchange rates and transparent processes mean you get more value with zero surprises. Let us handle the details while you focus on what you do best.
Curious about how much
you could save?
Let’s find out – Get Your Free
No Obligation Rate 
Comparison Today!

Rate Comparison - Call Request

Products

Pay, receive, and protect – we’ve got you covered.

From paying overseas staff to managing currency risk, we’ve got the tools to help your business thrive in the global market.

At Rayt, we know that every business is unique, which is why we offer a suite of New Zealand foreign exchange products designed to fit your specific needs. Whether you’re making payments, receiving funds, or managing currency risk, our services are built to save you time, money, and stress.

With competitive foreign exchange rates, secure transactions, and a personal touch, we make sure you have everything you need to succeed in the global economy.
Spot Trade
Need some foreign currency, like, yesterday? Our spot transfer service is here to help. Buy and send currency in real-time with zero hassle. It’s quick, it’s easy, and it’s precisely what you need when you’re in a hurry. No delays, no surprises – just the funds you need when you need them.
Ready to roll?
Forward Contract
Got your eye on today’s exchange rate but don’t need the currency just yet? No worries. With our forward contract service, you can lock in today’s rate for a future transaction. It’s like setting your budget in stone, so you’re not caught off guard by market ups and downs.
Get paid faster.
Limit Orders
Hunting for the perfect exchange rate? Let us do the hard work. With our limit or market order service, you set the rate you want, and we’ll make the transaction happen when the market hits your target. You get the best possible deal without having to watch the market like a hawk.
Stay ahead of the game.
Multi-Currency Accounts
Opening International bank accounts can be challenging and time consuming. With Rayt you can hold virtual accounts for your business to send and receive payments in local currencies across the world.
Worldwide payment accounts.
Trade Finance
Flexible Trade Finance solution providing you with credit to help finance your international goods and services. You can pay as you go with payment terms up to 150 days. There are no upfront or collateral requirements, noting we will have to establish credit worthiness.
Flexible credit solutions.
Options Contract
Grants your business the right, but not the obligation, to buy or sell a currency at a pre-set price within a given timeframe. You will have the flexibility to manage currency exposure with customized contracts to suit your specific needs.
Pre-set price and timeframe.
Need some foreign currency, like, yesterday? Our spot transfer service is here to help. Buy and send currency in real-time with zero hassle. It’s quick, it’s easy, and it’s precisely what you need when you’re in a hurry. No delays, no surprises – just the funds you need when you need them.
Ready to roll?
Got your eye on today’s exchange rate but don’t need the currency just yet? No worries. With our forward contract service, you can lock in today’s rate for a future transaction. It’s like setting your budget in stone, so you’re not caught off guard by market ups and downs.
Get paid faster.
Hunting for the perfect exchange rate? Let us do the hard work. With our limit or market order service, you set the rate you want, and we’ll make the transaction happen when the market hits your target. You get the best possible deal without having to watch the market like a hawk.
Stay ahead of the game.
Opening International bank accounts can be challenging and time consuming. With Rayt you can hold virtual accounts for your business to send and receive payments in local currencies across the world.
Worldwide payment accounts.
Flexible Trade Finance solution providing you with credit to help finance your international goods and services. You can pay as you go with payment terms up to 150 days. There are no upfront or collateral requirements, noting we will have to establish credit worthiness.
Flexible credit solutions.
Grants your business the right, but not the obligation, to buy or sell a currency at a pre-set price within a given timeframe. You will have the flexibility to manage currency exposure with customized contracts to suit your specific needs.
Pre-set price and timeframe.
Personal

We don’t do one-size-fits-all. Custom Foreign Exchange Services, Just for You.

Choosing Rayt means choosing flexibility, transparency, and service with a smile. We craft our services to fit like a glove, ensuring you get the right foreign exchange rates without any hidden fees.

And with Rayt, you’re never just another customer – you’re a valued partner.
Investment
Enhance your investment returns with our tailored currency exchange solutions. We provide services for both traditional and emerging markets, ensuring you optimise the timing and execution of your transactions. Our investment offerings are designed to safeguard against currency risks, delivering stability and growth for your international portfolio.
Ready to roll?
Real Estate
International real estate can be challenging, but we simplify the process. Whether you’re buying or selling property overseas, we help you secure the most favourable exchange rates, reducing costs and maximising your investment. Our experts are here to help you through every step, providing insights into local market trends and managing currency fluctuations.
Lock it in.
Emigrating
Emigrating, whether for work, leisure or retirement is the adventure of a lifetime. As any move abroad comes with certain international money transfer commitments, we like to make sure that your adventure gets off to the best possible start by providing excellent exchange rates and fast transfers.
Set it and forget it.
Enhance your investment returns with our tailored currency exchange solutions. We provide services for both traditional and emerging markets, ensuring you optimise the timing and execution of your transactions. Our investment offerings are designed to safeguard against currency risks, delivering stability and growth for your international portfolio.
Ready to roll?
International real estate can be challenging, but we simplify the process. Whether you’re buying or selling property overseas, we help you secure the most favourable exchange rates, reducing costs and maximising your investment. Our experts are here to help you through every step, providing insights into local market trends and managing currency fluctuations.
Lock it in.
Emigrating, whether for work, leisure or retirement is the adventure of a lifetime. As any move abroad comes with certain international money transfer commitments. At Rayt we like to make sure that your adventure gets off to the best possible start by providing excellent exchange rates and fast transfers.
Set it and forget it.

Let’s get started!
Create your account.

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We’re people too, so if you want to call or email first then please do!
Call us:
09 888 4452
Email us:
info@raytfx.com
Making foreign exchange simple, transparent, and most importantly, all about you.
Rayt NZ limited trading as RAYT-NZBN (9429052366703) is a representative of Ebury Partners Australia Pty Limited (ACN 632 570 702) which holds an Australian Financial Services Licence (520548).


Ebury Partners Australia Pty Ltd (‘Ebury’) ABN 54632570702, NZBN 9429050428649, Australia Registered Office : Level 1, 53 Berry Street, North Sydney NSW 2060; New Zealand Registered Office: Level 4, 123 Victoria Street, Christchurch Central, Christchurch, 8013. Ebury is authorised and regulated by the Australian Securities and Investments Commission (ASIC) to provide financial services under Australian Financial Services License (AFSL) 520548 and registered on the New Zealand Financial Services Provider Register - FSP1004606. Ebury is a registered AML reporting entity with the Australian Transaction Reports and Analysis Centre (AUSTRAC) and with the New Zealand Department of Internal Affairs (DIA). Ebury is a member of Financial Services Complaints Ltd, member number 9007.
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