The minefield of complications actually boils down to a very simple question…
“How many NZ Dollars will I get for my Pounds, after all charges?”
It is *amazing* how impossible it is to get an answer to what appears to be a very simple question!
The Hifx website doesn't have an email address to ask, so I can't even enquire (I *hate* using the phone, particularly as most places will only work during business hours, and I can't take/make personal calls at work), the xe.com email came back with a whole load of sales spiel that boiled down to "It depends", even when I tied it right down to "How much would I get, at today's exchange rate, for £4,600 as a one off transfer?"
(all of the other sites that I looked at had such bad rates that I didn't get any further with checking - I was losing $200 just on the rate, which for such a small transfer is a lot of money!)