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Small transfers

Looking for the best way to send money from the United States to family, friends or businesses in Tonga (or even to your own overseas bank account)?
Don't head straight to your American bank – compare specialist money transfer services instead. They nearly always offer better TOP exchange rates and lower fees, so for the same amount of US dollars you send, your recipient will receive more pa\u2019angas.
Of the companies we've compared, MoneyGram is among the cheapest, with competitive exchange rates and fees starting from $0. Need a really fast transfer? MoneyGram can get money to your recipient in Tonga within minutes.
Are you visiting from outside the US?
Bank transfers are typically the cheapest way to get your money to Tonga. MoneyGram and have some of the lowest bank transfer fees of the brands we've compared.
When you're hunting down the cheapest ways to send money to Tonga, it's more important to look at the overall cost of your transfer. This has a couple of elements:
Some providers may charge the mid-market rate but add fees on top. Others may have very low fees but apply a markup on the exchange rate. This means it is important to compare exactly how many pa\u2019angas your recipient will end up with.
Many online providers can offer transfers to Tonga within minutes, although you're likely to pay a premium for the convenience.
Here are some of the fastest average transfer speeds to Tonga:Actual transfer times from the United States to Tonga can depend on several several factors including transfer amount, payment method and currency.
The safest way to get your money to Tonga is to use a provider registered with the United States's industry regulator, the Consumer Financial Protection Bureau. All the companies we've compared in our table are overseen by a local regulator and comply with the relevant laws and regulations in both the United States and Tonga.
A great way to dive deeper is by reading our extended reviews of each transfer service and researching first-hand customer feedback on Trustpilot and similar platforms.
If you need to make a sizable money transfer to Tonga, consider using a provider such as OFX or Xe to benefit from its expertise in handling larger transfer amounts.
Using a large transfer specialist can have the following advantages:To send money to Tonga, you'll need the necessary documentation, your recipient's details and a way to pay.
John is working in the United States as a doctor and he stays in regular contact with his elderly parents back home in Tonga. His parents need some funds to help pay off a mortgage, so John plans to send them $2,000 from the United States.
He decides to compare a bank and a money transfer specialist to see which one can save the most money on his transaction.
Bank | Money transfer company | |
---|---|---|
Exchange rate | 1 USD = 2.32 TOP | 1 USD = 2.35 TOP |
Transfer fee | $10 | $2.50 |
Transfer method | Bank account deposit | Bank account deposit |
Processing time | 2 - 5 working days | Next day |
Amount received | 4,623.59 TOP | 4,702.45 TOP |
The money transfer company enables John to send an extra T$78.86, which is transferred straight to his parents' ANZ Bank account.
When choosing a money transfer provider to send money from the United States to Tonga, it's important to consider the cost, how you want your recipient to receive the funds and the turnaround time. Here are other features to review:
Whether products shown are available to you is subject to individual provider sole approval and discretion in accordance with the eligibility criteria and T&Cs on the provider website.