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How to send money to Tonga

There are safe, secure and cost-effective transfer options when you need to send money to Tonga.

Shirley Liu

Updated Apr 27, 2020

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Whatever reason you have to send money between the US and Tonga, you’ll want to find a way to get the most out of your money without having to spend extra on fees and losing money through varying exchange rates. Our guide will help you compare the methods so you can get the most pa’anga for your dollar.

Send money to Tonga with WorldRemit

Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.

Use promo code 3FREE to get three free transfers.
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Compare money transfer services to Tonga

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Min. Transfer Amount	Transfer Speed	Online Transfer Fee	Rate	Amount Received	Description	CTA	Details
USD 1	Same day	USD 0.00	2.276	TOP 11,379	Offering no maximum and no minimum limit transfers with $0 fees.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AMD, AUD, BAM, BBD, BDT, BGN, BHD, BND, BRL, BWP, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EUR, FJD, GBP, GEL, GTQ, HKD, HNL, HRK, HUF, IDR, ILS, JMD, JOD, JPY, KES, KRW, KWD, KZT, LKR, LSL, MAD, MKD, MUR, MWK, MXN, MYR, NAD, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SZL, THB, TND, TOP, TRY, TTD, TWD, TZS, UGX, USD, VUV, WST, XCD, XPF, ZAR Go to site Read the full review
USD 1	Within an hour	USD 3.99	2.276	TOP 11,373	Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PHP, PKR, PLN, PYG, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW, BYN Go to site Read the full review
GBP 1,000	1 - 2 days	N/A	N/A	N/A	Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000). For larger transfers, get no transaction fees and no maximum send limits.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 1,000.00 Transfer methods Online, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Chat Available currencies AED, AFN, ALL, AMD, ARS, AUD, AZN, BDT, BGN, BHD, BIF, BMD, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CZK, DJF, DKK, DOP, DZD, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, JPY, KES, KRW, KWD, KZT, LBP, LKR, LSL, MAD, MDL, MGA, MKD, MUR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SEK, SGD, SLL, THB, TND, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VND, WST, XAF, XCD, XOF, XPF, ZAR, ZMW Go to site Read the full review
USD 1,000	1 day	USD 0.00	2.263	TOP 11,316	No-maximum limit transfers with competitive exchange rates for 100+ currencies.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, AZN, BGN, BND, CAD, CHF, CZK, DKK, EGP, EUR, FJD, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, LKR, MAD, MGA, MXN, MYR, NOK, NZD, OMR, PEN, PGK, PHP, PKR, PLN, RUB, SAR, SBD, SCR, SEK, SGD, THB, TOP, TRY, TWD, TZS, USD, VEF, VND, VUV, WST, XOF, XPF, ZAR Go to site Read the full review
USD 2,000	1 day	N/A	N/A	N/A	$0 transfer fees with rates at never more than a 2% markup.	Go to site	Compare	Show details	Details Minimum transfer amount USD 2,000.00 Transfer methods Online, Phone Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email, Branch Available currencies AED, AUD, CAD, CHF, DKK, EGP, EUR, GBP, HKD, ILS, JPY, NOK, NZD, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
USD 1	1 - 2 days	N/A	N/A	N/A	Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1.00 Transfer methods Online Transfer options Regular payments, One off payments Customer service Phone, Chat, Email Available currencies AED, ARS, AUD, BDT, BGN, BRL, BWP, CAD, CHF, CLP, CNY, COP, CRC, CZK, DKK, EGP, EUR, GBP, GEL, GHS, HKD, HRK, HUF, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, PEN, PHP, PKR, PLN, RON, RUB, SEK, SGD, THB, TRY, TZS, UAH, UGX, USD, UYU, VND, XOF, ZAR, ZMW Go to site Read the full review
USD 1	3 - 5 days	USD 20.00	2.229	TOP 11,100	The biggest name in money transfers can get your funds to friends, family, or businesses in almost every corner of the globe.		Compare	Show details	Details Minimum transfer amount USD 1.00 Transfer methods Online, Phone, Agent, Bank Account to Bank Account, International Money Order Transfer options Regular payments, One off payments Customer service Phone, Chat, Email, Branch Available currencies AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GGP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, IMP, INR, IQD, IRR, ISK, JEP, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SPL, SRD, STD, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TVD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XDR, XOF, XPF, YER, ZAR, ZMW Read the full review
USD 1	Same day	USD 8.00	2.235	TOP 11,155	Easily transfer cash to more than 350,000 locations around the world.		Compare	Show details	Details Minimum transfer amount USD 1.00 Transfer methods Online, Agent, Bank Account to Bank Account, Cash Transfer, International Money Order Transfer options N/A Customer service Phone, Email Available currencies AED, AFN, ALL, AUD, BND, CAD, CHF, CZK, DKK, EUR, FJD, GBP, GNF, HKD, HUF, IDR, ILS, INR, IRR, JPY, KRW, KWD, LKR, LRD, LYD, MAD, MGA, MXN, MYR, NGN, OMR, PEN, PGK, PHP, PKR, PLN, SAR, SBD, SCR, SDG, SEK, SGD, THB, TOP, TRY, TWD, USD, UZS, VEF, VND, VUV, WST, XCD, XOF, XPF, ZAR Read the full review
USD 1	Same day	N/A	N/A	N/A	No fees for bank account transfers and cash pickup at 240,000 locations in 130+ countries.	Go to site	Compare	Show details	Details Minimum transfer amount USD 1.00 Transfer methods Online, Phone, Agent, Bank Account to Bank Account, Cash Transfer Transfer options N/A Customer service Phone, Email, Branch Available currencies AED, ALL, AMD, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, CAD, CDF, CHF, CLP, CNY, COP, CRC, DJF, DKK, DOP, EGP, ERN, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, ILS, INR, JMD, JOD, JPY, KES, KGS, KHR, KMF, KZT, LAK, LBP, LKR, LRD, MAD, MDL, MMK, MNT, MXN, MYR, MZN, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SCR, SEK, SLL, SRD, THB, TJS, TND, TOP, TRY, TTD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, XAF, XCD, XOF, YER, ZMW, BYN Go to site Read the full review
USD 0	1 - 2 days	N/A	N/A	N/A	Special offers like free transfers and better exchange rates available for new customers. Quick, affordable transfers around the world with both express and economy options.	Go to site	Compare	Show details	Details Minimum transfer amount USD 0.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options N/A Customer service Phone, Chat, Email Available currencies ARS, BDT, BGN, BOB, BRL, CLP, CNY, COP, CRC, CZK, DOP, EGP, ETB, EUR, GHS, GTQ, GYD, HNL, HRK, HTG, HUF, IDR, INR, JMD, KES, KMF, KRW, LKR, MAD, MXN, MYR, NGN, NIO, NPR, PEN, PHP, PKR, PLN, PYG, RON, RWF, THB, TND, TRY, TZS, UGX, USD, UYU, VND, XAF, XOF, ZAR Go to site Read the full review

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Should you use a bank or money transfer company?

Any major US bank will send an international money transfer for you, but it won’t be cheap. You can expect high fees and poor exchange rates when you send money via your bank.

Money transfer companies are dedicated to the service and provide much better exchange rates for lower fees than your bank. They offer secure transfers and large worldwide networks, meaning you can get more value for money when you send money to Tonga or anywhere else around the world.

Case Study: Tommy Sends Money to Tonga

Tommy wants to buy a hand-made surfboard from a Tongan craftsman for $1,000. He considers using his bank to send the money to the seller in Tonga, but when he sees his bank’s $50 transfer fee, Tommy decides to look elsewhere.

He compares two well-known money transfer companies to see which one can get him the best rate.

	Money transfer company 1	Money transfer company 2
Exchange rate	$1 USD = $2.09 TOP	$1 USD = $2.08 TOP
Transfer fee	$13	$16
Transfer method	Cash pickup	Cash pickup
Processing time	10 minutes	10 minutes
Amount received (in TOP)	$2,090 TOP	$2,080 TOP

As you can see, Tommy can pay a cheaper transfer fee and send an extra $10 TOP if he uses the first transfer company.

What to look at when comparing money transfer companies

Exchange rates. Even though some differences in exchange rates may seem minor, they can end up costing you a lot once you calculate how much money your beneficiary will receive.
Fees. You should always check the transfer fees charged by each company and find out whether they vary depending on factors like transfer amount, method and destination.
Transfer methods. How can you place a transfer with each company? Is this a convenient transfer method for you?
Transfer options. Can you only place one-time orders or are there other options to help make your transfer experience more affordable and convenient?
Turnaround time. Some companies offer instant transfers while others take several days.
Minimum limit. Check to see whether each company imposes minimum or maximum limits on transfers.
Pickup methods. Some companies offer a cash pickup option while others only offer bank deposits.
Customer service. Check to see what support options are available in case you ever need help.

Foreign exchange rates explained

Depending on the international financial climate, exchange rates between the US dollar (USD) and Tonga pa’anga (TOP) will vary. As of January 2018, one US dollar was worth about 2.22 pa’anga. Day to day changes should be expected, and you can check out graphs and charts to see the historic rates to predict when it’s best to send money from the US to Tonga.

You can see the daily fluctuations on our page

Options for sending money to Tonga from the US

Bank transfers. Transfers between banks are secure but not all that cost-effective.
Online money transfer providers. These companies offer a more affordable option than the banks.
Money transfer companies with cash pickup options. Western Union and MoneyGram offer agent locations in Tonga.
Checks. Check with your bank to find out how to send an international check.

How to send money to Tonga

Sending money to Tonga isn’t difficult. Just follow these steps and your dollar will be pa’anga in no time.

Choose a money transfer service from the table above.
Click the Go to Site button to be taken to the page.
Enter your information and information about your recipient.
Pay for your order.
Save your tracking number or receipt to track the progress of your transfer.

Emergency cash transfers in Tonga

You’ve just had a call from a panicked relative in Tonga who needs cash fast. Don’t worry, you shouldn’t have any trouble sending a rapid transfer to Tonga, but you will have to pay a premium for the quick service. Often, transfer companies will charge high fees and offer worse exchange rates when doing a last-minute transfer, so you should check the fine print to see how much the transfer will cost you before you commit.

Tips for picking up cash in Tonga

Only pick up cash from a transfer agent in a safe area.
Keep your wallet in a safe place at all times.
Never leave your bag or wallet unattended in a public place.

Don’t advertise your cash in front of strangers.
Don’t carry around large amounts of cash in public unless absolutely necessary.

Thank you for your feedback!

Shirley Liu

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.

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