2. © 2012 Fruition Horticulture SendMoneyPacific can help. SendMoneyPacific is a website funded by the Australian and New Zealand Governments. Free service – no cost to you SendMoneyPacific is not a money transfer service but is a website to help you save money

3. © 2012 Fruition Horticulture Why use the SendMoneyPacific website? Save money when you send money home

4. © 2012 Fruition Horticulture Why use the SendMoneyPacific website? Compare costs when you send money from New Zealand to Fiji, Kiribati, Papua New Guinea, Samoa, Solomon Islands, Tonga, Tuvalu or Vanuatu Easy to see the large differences in fees and the hidden costs from money transfer agencies.

5. © 2012 Fruition Horticulture www.sendmoneypacific.org Watch a video in English, Samoan, or Tongan Compare costs of money transfers

6. © 2012 Fruition Horticulture Select the country you are sending money from Select the country you are sending money to Select the amount to compare $200 or $500 COMPARE COSTS Click on Compare Costs

7. © 2012 Fruition Horticulture The option where the most money is received at home is at the top of the list The cost of sending NZ$500 Click on an Operator to find out about them COMPARE COSTS Table

8. © 2012 Fruition Horticulture Click on ‘Compare’ to see more options Find more options Click on ‘Compare Costs’ Select your choices

9. © 2012 Fruition Horticulture How can I send my money? Cash – You can send cash and your family can pick up cash in the country that they are in. Card-to-Card – You can send your money by using a bank card and the person you’re sending to can collect the money in cash at an ATM or the money can be spent in stores where the card is accepted International Money Order (IMO) - Your bank will give you an international guaranteed cheque that you send to your family. They can then cash the cheque at their bank or pay it into their bank account. Continued

10. © 2012 Fruition Horticulture How can I send my money? Bank to Bank Transfer –you can transfer money from your NZ bank account to a bank account in your country. The method used is often called a SWIFT transfer – this is the name of a transfer system. The Internet – Some money transfer companies let you transmit through the internet (online). You need to set up a special account and then the company will send the money to your friend’s bank account or make it available for the money to be collected as cash. Cell Phone and New Technology – sending money is an area that is developing all the time due to new technology. For example, Fiji is well established with mobile phone money transfers – where money is sent to a recipient who receives the funds via their mobile phone.

11. © 2012 Fruition Horticulture HELP! My family hasn’t received the money I sent! 1.Make sure that the person you sent the money to has contacted the organisation that should pay the money to them. 2.Contact the company that you sent the money through and ask them to find where it is. 3.If the money can still not be found, you should ask for help from your Pastoral Care Worker to take your complaint to one of the dispute resolution schemes.(see below) All financial service providers must belong to a dispute resolution scheme. For more information go to: http://www.consumeraffairs.govt.nz/for- consumers/how-to-complain/financial-service-providers-disputes- resolution (Consumer Affairs). http://www.consumeraffairs.govt.nz/for- consumers/how-to-complain/financial-service-providers-disputes- resolution

12. © 2012 Fruition Horticulture To help the RSE worker(s) to: Identify information about organisations and the fees they may be charged to send money home. Calculate approximately how much their family will receive when they send money home. Identify the best deals and time to send money home. Activities: Test your currency exchange knowledge. Take the quiz by clicking on the tick button below.