The NZD to CFP exchange rate determines the purchasing power of New Zealand travelers in New Caledonia. Since the Pacific Franc (XPF) is pegged to the Euro at a fixed rate, the conversion from NZD depends on the Euro’s performance against the New Zealand Dollar. Generally, 1 NZD yields between 65 and 70 CFP.
What is the NZD to CFP exchange rate and how does it work?
For New Zealanders planning a tropical getaway to our closest neighbor, understanding the local currency is the first step in financial preparation. The currency used in New Caledonia is the Cour de Franc Pacifique, commonly referred to as the Pacific Franc (XPF or CFP). Unlike the New Zealand Dollar, which floats freely on the global market, the CFP is uniquely tied to the Euro.
The exchange rate between the CFP and the Euro is legally fixed at 1,000 XPF to 8.38 EUR. This means that when you are looking at the NZD to CFP exchange rate, you are effectively looking at how the New Zealand Dollar is performing against the Euro. If the NZD strengthens against the Euro, you will get more Pacific Francs for your money. Conversely, if the Euro rises, your New Zealand Dollars will not go as far in the boutiques of Noumea.
The currency itself is vibrant and distinct. Banknotes come in denominations of 500, 1,000, 5,000, and 10,000 XPF, featuring beautiful depictions of Pacific flora, fauna, and indigenous culture. Coins are available in 1, 2, 5, 10, 20, 50, and 100 XPF. It is worth noting that the Pacific Franc is also used in French Polynesia (Tahiti) and Wallis and Futuna, making it a versatile currency for South Pacific explorers.
Where is the best place to exchange NZD to CFP in New Zealand?
To get the best NZD to CFP exchange rate, travelers should compare options before they depart. While it is possible to arrive in Noumea with nothing but a credit card, having some cash on hand for the airport transfer or a quick snack is highly recommended.
1. Specialized Currency Exchange Services
Outlets like Travelex or No1 Currency are the most common places to find Pacific Francs in New Zealand. Because the CFP is considered a niche currency, many local bank branches no longer stock it physically. It is often necessary to order the currency online or via phone 48 hours in advance. These services usually offer competitive rates compared to airport kiosks, which often have higher margins and service fees.
2. New Zealand Banks
While banks like ANZ, BNZ, and Westpac have moved away from over-the-counter foreign exchange for non-customers, they still offer services for their account holders. However, the rates are rarely better than specialized currency brokers. If you choose this route, ensure you check the total cost, including any flat commission fees that might be applied to the transaction.
3. Airport Exchange (The Last Resort)
Exchanging your NZD to CFP at Auckland, Wellington, or Christchurch airports is convenient but expensive. The “convenience fee” is baked into a wider spread on the exchange rate. If you must use the airport, only exchange a small amount to cover your initial transportation and meal in Noumea.
Can I use New Zealand credit and debit cards in Noumea?
Yes, credit and debit cards are widely accepted in Noumea, particularly in hotels, larger restaurants, and supermarkets. However, the financial implications of using your standard NZ bank card can add up quickly.
Understanding Foreign Transaction Fees
Most New Zealand banks charge a foreign currency conversion fee, typically ranging from 1.5% to 3% of the total transaction value. Every time you tap your card for a 500 XPF coffee, you are paying a small premium back to your bank in New Zealand. Additionally, the exchange rate used by Visa or Mastercard will be applied at the time the transaction is processed, not necessarily the day you made the purchase.
ATMs in New Caledonia
Withdrawing cash from an ATM (distributeur) in Noumea is often the most cost-effective way to get Pacific Francs. ATMs are plentiful in the city center, at the La Tontouta International Airport, and in the popular tourist area of Anse Vata. Major local banks include BCI, BNC, and Société Générale. Be aware that your NZ bank will likely charge an international ATM withdrawal fee (often $5 NZD) plus the percentage-based conversion fee. It is best to withdraw larger amounts less frequently to minimize these costs.
Travel Cards and Digital Wallets
For the modern traveler, cards like Wise or Revolut can offer significantly better NZD to CFP exchange rates. These cards allow you to hold a balance in Euros (which the CFP is pegged to) or convert directly at the mid-market rate with minimal fees. Apple Pay and Google Pay are increasingly accepted in Noumea, but it is always wise to carry a physical card as a backup, especially in rural areas or smaller “magasins” (shops).
Daily budget tiers: How much NZD do you need for Noumea?
New Caledonia has a reputation for being expensive, often compared to the cost of living in Paris or Sydney. For Kiwis, who are used to high prices at home, Noumea can still provide some “sticker shock.” Here is a breakdown of what to expect based on your travel style.
The Budget Traveler: $120 – $160 NZD per day
It is possible to see Noumea on a budget if you are disciplined. This tier involves staying in hostels or budget guesthouses, utilizing the excellent public bus system (Tanéo), and eating at least two meals a day from the supermarket (Casino or Carrefour). You will spend your time on free public beaches like Baie des Citrons and perhaps limit yourself to one paid excursion during your trip.
The Mid-Range Explorer: $250 – $400 NZD per day
This is the most common tier for New Zealand couples and families. It covers a 3 or 4-star hotel in Anse Vata, dining out for lunch and dinner at local bistros, and enjoying a few cocktails at sunset. This budget allows for a day trip to Signal Island or Duck Island (Îlot Canard) and perhaps a visit to the Tjibaou Cultural Centre.
The Luxury Vacationer: $600+ NZD per day
For those staying at high-end resorts like the Le Méridien or the Chateau Royal, expenses can climb quickly. This budget covers fine dining at renowned seafood restaurants, private boat charters, helicopter tours over the Heart of Voh, and spa treatments. In this bracket, the NZD to CFP exchange rate is less of a daily worry, but the costs remain significant compared to other Pacific destinations like Fiji or Rarotonga.
What do common items cost in Noumea in NZD?
To help you visualize your budget, here are some approximate prices for common items, converted to New Zealand Dollars (assuming a rate of 1 NZD = 68 CFP).
- Fresh Baguette: $1.50 – $2.50 NZD. One of the best bargains in the country!
- Cup of Coffee (Café au Lait): $6.00 – $8.00 NZD.
- Local Beer (Number One): $10.00 – $14.00 NZD in a bar; $4.00 – $6.00 in a supermarket.
- Casual Lunch (Plat du Jour): $25.00 – $40.00 NZD.
- Three-Course Dinner: $80.00 – $120.00 NZD per person without wine.
- Bus Fare (Single Trip): $3.00 NZD.
- Cocktail at a Beach Bar: $18.00 – $25.00 NZD.
How to save money and maximize your NZD to CFP exchange
While Noumea can be pricey, there are several ways to make your New Zealand Dollars go further. Strategic planning and local knowledge can significantly reduce your daily spend.
Shop at the Local Markets
The Port Moselle Market is an essential stop. Open daily (except Mondays) from early morning until noon, it is the best place to buy fresh fruit, vegetables, and seafood at prices much lower than the supermarkets. It is also a great spot to grab a cheap, authentic breakfast of pastries and coffee while soaking in the local atmosphere.
Embrace the Picnic Culture
New Caledonia has a strong French influence, which means the “pique-nique” is a way of life. Head to a local boulangerie for a fresh baguette, visit a supermarket for some French cheese and charcuterie, and enjoy a world-class meal on the grass at Baie des Citrons. This can save a couple over $60 NZD compared to a sit-down lunch.
Watch the Alcohol Taxes
Alcohol is heavily taxed in New Caledonia. If you enjoy a drink, consider purchasing your allowance at the NZ Duty-Free before you depart. Additionally, supermarkets in New Caledonia have restricted hours for alcohol sales (usually prohibited on Wednesday, Friday, Saturday, and Sunday afternoons), so plan your purchases accordingly to avoid high bar prices.
Use the Tanéo Bus System
Taxis in Noumea are notoriously expensive and can be difficult to hail. The Tanéo bus system is modern, air-conditioned, and covers almost everywhere a tourist would want to go. Buying a rechargeable “Pass Tanéo” can bring the cost of a trip down significantly compared to paying cash to the driver.
Free Activities
Many of the best things to do in Noumea cost nothing. The beaches are public and pristine. Hiking up to the Ouen Toro lookout provides spectacular views of the lagoon for free. Exploring the historic Faubourg Blanchot neighborhood and its colonial architecture is a wonderful way to spend an afternoon without touching your wallet.
Is it better to exchange money in NZ or Noumea?
Generally, it is better to withdraw cash from an ATM upon arrival in Noumea using a low-fee travel card like Wise. If you prefer carrying cash, exchanging a small amount in NZ is fine for peace of mind, but the rates at Noumea ATMs are typically more favorable than NZ retail exchange counters.
Can I use New Zealand Dollars in New Caledonia?
No, New Zealand Dollars are not accepted for payment in shops, restaurants, or hotels in New Caledonia. You must use Pacific Francs (XPF) or a credit/debit card. Some very small vendors may not even accept Euros, despite the currency peg.
How much is 100 NZD in CFP?
Based on average historical rates, 100 NZD is typically worth between 6,500 and 7,000 CFP. This varies daily based on the NZD/EUR exchange rate. Always check a live converter before your trip for the most accurate figure.
Do I need cash in Noumea?
While cards are common, cash is still essential for small purchases at markets, local buses, small snack bars (roulottes), and in more remote areas outside of Noumea. Carrying at least 5,000 XPF in small denominations is highly recommended.
Are credit cards widely accepted in New Caledonia?
Yes, Visa and Mastercard are widely accepted in urban areas. American Express is less common and may attract higher surcharges. Always inform your NZ bank of your travel plans to avoid your card being blocked for suspicious international activity.
Is Noumea expensive for New Zealanders?
Yes, Noumea is generally more expensive than New Zealand. Expect to pay about 20-30% more for dining out and groceries. However, certain items like French wine, cheese, and bread can actually be cheaper than in NZ due to lower import duties on French goods.
