Overnight swap
NZD/USD swap rates, 85 brokers compared
Holding one lot of NZD/USD overnight earns you $1.90 at ELEV8, and costs $26.00 at InstaForex — a gap of $27.90 a night, or $10,184 over a year on a position you never close.
Best broker tonightELEV8
Best swap+$1.90
Worst swap−$26.00
Brokers quoting85
Every broker's NZD/USD swap, per lot per night
| # | Broker | Regulator | Long | Short | Best side |
|---|---|---|---|---|---|
| 1 | ELEV8 | Offshore | +$1.90 | −$9.20 | +$1.90 long |
| 2 | PU Prime | Regulated | −$3.54 | +$1.42 | +$1.42 short |
| 3 | STARTRADER | Regulated | −$3.54 | +$1.42 | +$1.42 short |
| 4 | Ultima Markets | Regulated | −$3.54 | +$1.42 | +$1.42 short |
| 5 | VT Markets | Regulated | −$3.54 | +$1.42 | +$1.42 short |
| 6 | YCM-Invest | Regulated | −$2.42 | +$1.36 | +$1.36 short |
| 7 | MH Markets | Regulated | −$3.43 | +$1.33 | +$1.33 short |
| 8 | OneRoyal | Regulated | −$2.68 | +$1.23 | +$1.23 short |
| 9 | Spec Markets | Regulated | −$4.20 | +$1.21 | +$1.21 short |
| 10 | OEXN | Regulated | −$2.99 | +$1.16 | +$1.16 short |
| 11 | CPT Markets | Regulated | −$2.69 | +$1.11 | +$1.11 short |
| 12 | ATFX | Regulated | −$3.38 | +$0.91 | +$0.91 short |
| 13 | MultiBank Group | Regulated | −$3.55 | +$0.91 | +$0.91 short |
| 14 | Advanced Markets | Regulated | −$3.60 | +$0.90 | +$0.90 short |
| 15 | Swissquote Bank | Regulated | −$2.89 | +$0.90 | +$0.90 short |
| 16 | CXM | Regulated | −$2.44 | +$0.88 | +$0.88 short |
| 17 | GO Markets | Regulated | −$2.76 | +$0.85 | +$0.85 short |
| 18 | Markets4you | Offshore | −$2.63 | +$0.84 | +$0.84 short |
| 19 | Tio Markets | Regulated | −$3.96 | +$0.77 | +$0.77 short |
| 20 | Fusion Markets | Regulated | −$3.06 | +$0.74 | +$0.74 short |
| 21 | Tickmill | Regulated | −$2.53 | +$0.68 | +$0.68 short |
| 22 | Trader's Way | Offshore | −$4.25 | +$0.68 | +$0.68 short |
| 23 | M4Markets | Regulated | −$5.93 | +$0.61 | +$0.61 short |
| 24 | Dukascopy | Regulated | −$3.45 | +$0.60 | +$0.60 short |
| 25 | Errante | Regulated | −$4.26 | +$0.59 | +$0.59 short |
| 26 | Afterprime | Regulated | −$3.87 | +$0.58 | +$0.58 short |
| 27 | DNA Markets | Undisclosed | −$3.52 | +$0.58 | +$0.58 short |
| 28 | Eightcap | Regulated | −$3.52 | +$0.58 | +$0.58 short |
| 29 | Taurex | Regulated | −$3.49 | +$0.56 | +$0.56 short |
| 30 | Scope Markets | Regulated | −$3.05 | +$0.56 | +$0.56 short |
| 31 | FXCC | Regulated | −$3.69 | +$0.53 | +$0.53 short |
| 32 | GBE brokers | Regulated | −$3.69 | +$0.53 | +$0.53 short |
| 33 | FxPro | Regulated | −$3.65 | +$0.50 | +$0.50 short |
| 34 | NCE | Offshore | −$3.74 | +$0.50 | +$0.50 short |
| 35 | Alpari | Offshore | −$3.03 | +$0.48 | +$0.48 short |
| 36 | Radex Markets | Offshore | −$4.06 | +$0.48 | +$0.48 short |
| 37 | FXTM | Regulated | −$3.03 | +$0.48 | +$0.48 short |
| 38 | FP Markets | Regulated | −$2.76 | +$0.46 | +$0.46 short |
| 39 | Pepperstone | Regulated | −$3.18 | +$0.43 | +$0.43 short |
| 40 | Anzo Capital | Regulated | −$3.54 | +$0.34 | +$0.34 short |
| 41 | OQtima | Regulated | −$3.54 | +$0.34 | +$0.34 short |
| 42 | TMGM | Regulated | −$3.54 | +$0.34 | +$0.34 short |
| 43 | Just2Trade | Regulated | −$5.01 | +$0.31 | +$0.31 short |
| 44 | Darwinex | Regulated | −$3.70 | +$0.30 | +$0.30 short |
| 45 | ActivTrades | Regulated | −$3.30 | +$0.10 | +$0.10 short |
| 46 | AMarkets | Offshore | −$4.30 | +$0.10 | +$0.10 short |
| 47 | TopFX | Regulated | −$3.10 | +$0.10 | +$0.10 short |
| 48 | Global Prime | Regulated | −$3.47 | +$0.10 | +$0.10 short |
| 49 | Born2trade | Offshore | −$6.38 | +$0.08 | +$0.08 short |
| 50 | LHFX | Regulated | −$5.57 | +$0.07 | +$0.07 short |
| 51 | VARIANSE | Regulated | +$0.07 | −$2.97 | +$0.07 long |
| 52 | RannForex | Offshore | −$4.22 | +$0.06 | +$0.06 short |
| 53 | D Prime | Offshore | −$4.50 | +$0.05 | +$0.05 short |
| 54 | IC | Regulated | −$3.90 | +$0.05 | +$0.05 short |
| 55 | Exclusive Markets | Offshore | −$5.10 | +$0.01 | +$0.01 short |
| 56 | EXNESS | Regulated | −$4.40 | +$0.00 | +$0.00 short |
| 57 | XM Group | Regulated | −$3.90 | +$0.00 | +$0.00 short |
| 58 | HYCM | Undisclosed | −$4.91 | +$0.00 | +$0.00 short |
| 59 | TitanFX | Offshore | −$3.94 | −$0.15 | −$0.15 short |
| 60 | EBC Financial Group | Regulated | −$3.78 | −$0.18 | −$0.18 short |
| 61 | AvaTrade | Regulated | −$4.94 | −$0.28 | −$0.28 short |
| 62 | FXTRADING.com | Regulated | −$4.69 | −$0.44 | −$0.44 short |
| 63 | YWO | Regulated | −$1.20 | −$0.48 | −$0.48 short |
| 64 | ZERO Markets | Regulated | −$3.50 | −$0.50 | −$0.50 short |
| 65 | Tradeview Markets | Regulated | −$4.47 | −$0.51 | −$0.51 short |
| 66 | FBS | Regulated | −$0.55 | −$1.40 | −$0.55 long |
| 67 | Capital.com | Regulated | −$4.31 | −$0.60 | −$0.60 short |
| 68 | Blueberry | Regulated | −$3.89 | −$0.61 | −$0.61 short |
| 69 | FXOpen Markets Limited | Regulated | −$4.97 | −$0.66 | −$0.66 short |
| 70 | LiteForex | Regulated | −$1.07 | −$0.95 | −$0.95 short |
| 71 | Headway | Regulated | −$1.33 | −$1.01 | −$1.01 short |
| 72 | PrimeXBT | Regulated | −$1.08 | −$1.08 | −$1.08 long |
| 73 | IFC Markets | Regulated | −$3.19 | −$1.35 | −$1.35 short |
| 74 | Pacific Financial Derivatives (PFD) | Regulated | −$2.00 | −$1.50 | −$1.50 short |
| 75 | TradeQuo | Regulated | −$1.76 | −$2.31 | −$1.76 long |
| 76 | IronFX | Regulated | −$4.97 | −$1.78 | −$1.78 short |
| 77 | T4Trade | Offshore | −$4.97 | −$1.78 | −$1.78 short |
| 78 | Xlence | Undisclosed | −$4.97 | −$1.78 | −$1.78 short |
| 79 | Kitco Markets | Undisclosed | −$1.85 | −$3.94 | −$1.85 long |
| 80 | xChief | Regulated | −$2.10 | −$3.30 | −$2.10 long |
| 81 | Otet Markets | Offshore | −$2.63 | −$2.45 | −$2.45 short |
| 82 | Deriv | Regulated | −$6.51 | −$3.21 | −$3.21 short |
| 83 | LMAX Group | Undisclosed | −$8.08 | −$4.48 | −$4.48 short |
| 84 | TradeTech Markets | Undisclosed | −$6.88 | −$6.54 | −$6.54 short |
| 85 | InstaForex | Regulated | −$26.00 | −$30.00 | −$26.00 long |
What it costs to open a NZD/USD trade
Spread and commission are paid once, when you enter — separate from the nightly swap above. Cheapest round turn: ATFX at $2.00 on one lot.
| Broker | Spread | Commission | Round turn |
|---|---|---|---|
| ATFX | 0.2 pips | none | $2.00 |
| TitanFX | 0.5 pips | none | $5.00 |
| FXCC | 0.6 pips | none | $6.00 |
| YWO | 0.6 pips | none | $6.00 |
| GO Markets | 0.1 pips | $2.50/side | $6.00 |
| TopFX | 0.1 pips | $2.75/side | $6.50 |
| ZERO Markets | 0.2 pips | $2.50/side | $7.00 |
| Born2trade | 0.2 pips | $2.50/side | $7.00 |
| Just2Trade | 0.4 pips | $1.50/side | $7.00 |
| Spec Markets | 0.1 pips | $3.50/side | $8.00 |
| Headway | 0.6 pips | $1.50/side | $9.00 |
| STARTRADER | 0.2 pips | $3.50/side | $9.00 |
| Blueberry | 0.3 pips | $3.50/side | $10.00 |
| Dukascopy | 1.0 pips | none | $10.00 |
| TradeQuo | 1.1 pips | none | $11.00 |
| Errante | 0.7 pips | $2.50/side | $12.00 |
| ActivTrades | 1.2 pips | none | $12.00 |
| Alpari | 0.9 pips | $1.60/side | $12.20 |
| EBC Financial Group | 0.1 pips | $6.00/side | $13.00 |
| FxPro | 0.9 pips | $3.50/side | $16.00 |
| CPT Markets | 1.7 pips | none | $17.00 |
| LHFX | 1.3 pips | $3.00/side | $19.00 |
| NCE | 2.1 pips | none | $21.00 |
| VT Markets | 1.5 pips | $3.00/side | $21.00 |
| XM Group | 1.1 pips | $5.00/side | $21.00 |
| PrimeXBT | 2.2 pips | none | $22.00 |
| PU Prime | 3.1 pips | $2.50/side | $36.00 |
| ELEV8 | 6.4 pips | none | $64.00 |
Questions
What is the swap rate on NZD/USD?
Tonight it ranges from +$1.90 at ELEV8 to −$26.00 at InstaForex, per standard lot held overnight. A positive figure means the broker pays you to hold; a negative one means it charges you. Swaps are set by each broker and change daily.
Which broker has the best NZD/USD swap?
ELEV8, at +$1.90 per lot on the long side, out of the 85 brokers quoting NZD/USD today.
When is the NZD/USD swap charged?
At 17:00 New York time, which is 21:00 or 22:00 UTC depending on US daylight saving. Positions held through that moment are charged; positions opened and closed the same day are not. Wednesday is usually charged triple, to cover the weekend.
How much does holding NZD/USD cost over a year?
On one lot at the current rate, +$693.50 at ELEV8 against −$9,490 at InstaForex — a $10,184 difference for the same trade.
Other pairs
Figures from the snapshot taken 2026-08-24 04:15 UTC.