Send Money to Tonga Cheaply

Information verified correct on December 3rd, 2016


Need to send money to Tonga? Here’s how to find a safe, secure and cost-effective transfer option.

Close to 60,000 Tongans and Tongan Americans currently live in the United States, and there are plenty of reasons they might one day need to send an international money transfer to Tonga. From buying items from overseas sellers to sending money to help out family and friends in Tonga, there are plenty of options to choose from when you want to send funds overseas. Here’s how to find the most convenient and affordable option for you.

Rates last updated December 3rd, 2016
Description Min. Transfer Amount Transfer Speed Services Online Transfer Fee Rate Amount Received
USForex International Money Transfers
USForex International Money Transfers
Take advantage of competitive exchange rates and cheap transfer fees. USD 150 1 day Online, Phone, Agent, Bank Account to Bank Account, International Money Order Go to site More

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Banks versus money transfer companies

Any major US bank will happily send an international wire transfer for you, but they won’t do it for cheap. Expect high fees and dismal exchange rates when you send money via your bank, which of course results in you spending more money than you have to.

A much better option that you might want to consider is to use a money transfer services. These companies, such as Western Union and WorldRemit, provide better exchange rates and charge minimal fees compared to the banks. They offer secure transfers and large worldwide networks, meaning you can get 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 manufacturer for $1,000. He considers using his bank to send the purchase price to his contact in Tonga, but when confronted by his bank’s $50 transfer fee he decides to look elsewhere. Tommy compares two well-known money transfer companies to see which one comes out on top from a financial point of view.

Money transfer company 1Money transfer company 2
Exchange rate1 USD = 2.09 TOP1 USD = 2.08 TOP
Transfer fee$13$16
Transfer methodCash pickupCash pickup
Processing time10 minutes10 minutes
Amount received (in TOP)2,090 TOP2,080 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.

How to compare transfer companies when transferring money to Tonga

  • 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 investigate 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-off spot orders or are there other options to help make your transfer experience more affordable and convenient?
  • Turnaround time. Some companies offer instant transfers; others can take several days.
  • Minimum limit. Check to see whether each company imposes and minimum or maximum limits on transfers and if they will affect you.
  • Pickup methods. Some companies offer a cash pickup option while others offer bank deposits only.
  • Customer service. Check to see what support options will be available and when in case you ever need help.
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How to send money to Tonga from America

  • 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.
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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. However, don’t be surprised if you have to pay extra in order to get funds to your beneficiary as quickly as possible. You can expect high fees and low exchange rates for quick transfers, so you should always make sure to check the fine print and determine exactly how much a transfer will cost you before you commit to it.

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Cash pickup locations in Tonga / Western Union / MoneyGram branches in Tonga

Western Union


Fexco Tonga Ltd

Opposite Queen Salote College

Kapeta Hihifo Rd

Nukualofa, Nukualofa


Open 8:30am to 4pm Monday to Friday, 8:30am to 12:30pm Saturday

Fexco Tonga Ltd

Fua’amotu Airport




Open 24/7


Fexco Tonga Ltd

Backpackers Building

Neiafu Vava’u



Open: 8:30am to 4:30pm Monday to Friday, 8:30am to 12:30pm Saturday



Bank of South Pacific

Taufa’ Ahau Road



Open: 8am to 5pm Monday to Friday

MBF Bank

Taufa’ Ahau Road

P.O. Box 3118



Open 8am to 6pm Monday to Friday


Bank of South Pacific


Vava’u Road



Open 8am to 5pm Monday to Friday

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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 big pile of cash in front of strangers
  • Don’t carry around large amounts of cash in public unless absolutely necessary
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How to send money to Tonga

You’ll need to provide certain information when you want to send money to Tonga. This includes:

  • Your name, contact details, address and photo ID.
  • Your recipient’s name and contact details, plus their bank account details if sending a bank transfer
  • Information concerning where you are sending money, how much you’re sending and in what currency.

You can then pay for your transaction and hold onto any receipt you are given – this should contain the information you need to track your transfer.

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US International Money Transfers Offers

Learn about our information service
WorldRemit International Money Transfers

An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.

USForex International Money Transfers

Take advantage of competitive exchange rates and cheap transfer fees.

World First Foreign Exchange

Transfer money into a range of currencies online and over the phone.

Transferwise International Money Transfers

Make online transfers in a range of currencies and enjoy high maximum transfer amounts.