How to send money to Tonga

Find out about safe, secure and cost-effective transfer options when you need to send money to Tonga.


Fact checked
Whatever reason you have to send money between New Zealand and Tonga, you’ll want 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.
WorldRemit Offer

Send money to Tonga with WorldRemit

WorldRemit can help you get your money where it needs to go in minutes, with upfront exchange rates and low fees.

  • Transfers to 150+ countries
  • Send to bank account, cash pickup, mobile money, airtime top up
  • Pay with card, POLi Payments or Apple/Android Pay

    Compare money transfer services to Tonga

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    NZD 0 1 day N/A N/A N/A Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
    NZD 1 Within an hour N/A N/A N/A Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
    An online money transfer service with cash pick-up, bank account to bank account and airtime transfers available.
    Go to site Show details
    AUD 250 1 - 2 days N/A N/A N/A A higher exchange rate applies to non-finder customers. Send money in 45 currencies. No fee if you transfer over AUD$10,000. Go to site Show details

    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?

    Most New Zealand banks 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 specialise in this type of transaction 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 in the world.

    Case study: Tommy sends money to Tonga

    Tommy wants to send $1,000 to his cousin in Tonga who is getting married. 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 1Money transfer company 2
    Exchange rate$1 NZD = $1.53 TOP$1 NZD = $1.51 TOP
    Transfer fee$13$16
    Transfer methodCash pick-upCash pick-up
    Processing time10 minutes10 minutes
    Amount received (in TOP)$1,517 TOP$1,494 TOP

    As you can see, Tommy can pay a cheaper transfer fee and send an extra $23 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.
    • Pick-up methods. Some companies offer a cash pick-up option while others only offer bank deposits.
    • Customer service. Check to see what support options are available in case you ever need help.
    Back to top

    How to get the best exchange rate

    Depending on the international financial climate, exchange rates between the New Zealand dollar (NZD) and Tongan pa’anga (TOP) will vary. 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 New Zealand to Tonga.

    NZD to TOP live exchange rate

    Options for sending money to Tonga from New Zealand

    • 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 pick-up options. Western Union and MoneyGram offer agent locations in Tonga.
    • Cheques. Check with your bank to find out how to send an international cheque.

    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.

    1. Choose a transfer provider that sends money to Tonga.
    2. Provide your contact information, email address and phone number.
    3. Supply your recipient’s contact information.
    4. Choose the amount of your transfer and complete the transaction. Save any reference or receipt number 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.
    Back to top

    Read more on this topic

    • Remittance statistics We've unpacked the most recently available data from the World Bank to get an idea of how much money is being sent around the globe.
    • Finder's Starbucks Index Ever wondered how much a Starbucks tall latte costs around the world? And what does that say about the value of currency? Finder's Starbucks Index 2019 delves into the data to find out.
    • How to send money to Gabon Compare Gabon money transfer services to find a better deal.
    • Send money to the Balkans Find out how you can send money cheaply and quickly to the Balkans.
    • OrbitRemit international money transfers Take a look at OrbitRemit and see if it suits your money transfer needs.
    • Send money to Cameroon Compare your options before sending money to Cameroon to see if you can save on your next transfer.
    • Send money to China How to send money to China from New Zealand, safely and affordably. Compare international money transfer services and save on exchange rates and fees.
    • How to send money to Egypt Due to its exotic nature, it will be difficult to find an agency or bank that is able to convert New Zealand currency into Egyptian pounds. The US dollar and other major currencies are widely accepted in Egypt though, giving you the opportunity to send remittances to Egypt from New Zealand without delay.
    • Send money to India How to send money to India from New Zealand, safely and affordably. Compare international money transfer services and save on exchange rates and fees.
    • How to send money to Bangladesh Compare your options when you transfer money internationally to Bangladesh.

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site