We’ve compared 5 companies, and found Regency FX to be the cheapest, while Regency FX the fastest.
Sending £6,000 gets you T$19,106.26 with Regency FX at 3.1844 rupees per pound, about 0.23% more than the next best option.
| 5 of 5 providers Last updated on 28 September 2026 | |||
| Based on 6,000 GBP transfer Best companies for GBP/TOP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee £362.26 1 GBP = 3.1622 TOP +0.97% vs mid-market | Recipient gets T$17,827.44 Within a week | |
Ways to receive money in Tonga with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT £362.261 GBP = 3.1622 TOP T$17,827.44You pay£6,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee £0.00 1 GBP = 2.8710 TOP +10.62% vs mid-market | Recipient gets T$17,226.00 Minutes - 24 hours | |
Ways to receive money in Tonga with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 2.8710 TOP T$17,226.00You pay£6,000.00 | |||
Run a live search Showing top United Kingdom to Tonga deals for 6,000 GBP. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live GBP to TOP rates. | |||
Run a live search These companies offer multi-currency accounts for spending TOP. We suggest doing a live search based on how much GBP you're planning to spend in Tonga. | |||
Run a live search These are managed services with real human support for large GBP transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee £0.00 1 GBP = 3.1844 TOP +0.27% vs mid-market | Recipient gets T$19,106.26 Minutes - 24 hours | |
Ways to receive money in Tonga with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 3.1844 TOP T$19,106.26You pay£6,000.00 | |||
 OFX Pay via Bank transfer | Fee £0.00 1 GBP = 3.1770 TOP +0.50% vs mid-market | Recipient gets T$19,062.20 Minutes - 24 hours | |
Ways to receive money in Tonga with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 3.1770 TOP T$19,062.20You pay£6,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee £0.00 1 GBP = 3.0081 TOP +5.96% vs mid-market | Recipient gets T$18,048.60 Minutes - 24 hours | |
Ways to receive money in Tonga with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 3.0081 TOP T$18,048.60You pay£6,000.00 Cash pickupMinutes - 24 hours £4.991 GBP = 2.9993 TOP T$17,995.80You pay£6,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee £0.00 1 GBP = 3.0081 TOP +5.96% vs mid-market | Recipient gets T$18,048.60 Minutes - 24 hours | |
Ways to receive money in Tonga with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 3.0081 TOP T$18,048.60You pay£6,000.00 Cash pickupMinutes - 24 hours £4.991 GBP = 2.9993 TOP T$17,995.80You pay£6,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee £0.00 1 GBP = 3.0081 TOP +5.96% vs mid-market | Recipient gets T$18,048.60 Minutes - 24 hours | |
Ways to receive money in Tonga with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 3.0081 TOP T$18,048.60You pay£6,000.00 Cash pickupMinutes - 24 hours £4.991 GBP = 2.9993 TOP T$17,995.80You pay£6,004.99 | |||
| Wise Pay via Bank transfer | Fee £362.26 1 GBP = 3.1622 TOP +0.97% vs mid-market | Recipient gets T$17,827.44 Within a week | |
Ways to receive money in Tonga with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT £362.261 GBP = 3.1622 TOP T$17,827.44You pay£6,000.00 | |||
| Wise Pay via Debit card | Fee £379.16 1 GBP = 3.1622 TOP +0.97% vs mid-market | Recipient gets T$17,774.00 Within a week | |
Ways to receive money in Tonga with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT £379.161 GBP = 3.1622 TOP T$17,774.00You pay£6,000.00 | |||
| Wise Pay via Credit card | Fee £480.62 1 GBP = 3.1622 TOP +0.97% vs mid-market | Recipient gets T$17,453.16 Within a week | |
Ways to receive money in Tonga with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT £480.621 GBP = 3.1622 TOP T$17,453.16You pay£6,000.00 | |||
| Xe Pay via Debit card | Fee £0.00 1 GBP = 2.8710 TOP +10.62% vs mid-market | Recipient gets T$17,226.00 Minutes - 24 hours | |
Ways to receive money in Tonga with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 2.8710 TOP T$17,226.00You pay£6,000.00 | |||
| Xe Pay via Bank transfer | Fee £0.00 1 GBP = 2.8710 TOP +10.62% vs mid-market | Recipient gets T$17,226.00 Minutes - 24 hours | |
Ways to receive money in Tonga with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 2.8710 TOP T$17,226.00You pay£6,000.00 | |||
| Xe Pay via Credit card | Fee £0.00 1 GBP = 2.8710 TOP +10.62% vs mid-market | Recipient gets T$17,226.00 Minutes - 24 hours | |
Ways to receive money in Tonga with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 2.8710 TOP T$17,226.00You pay£6,000.00 | |||
| How Our Results Work Mid-market rate: 1 GBP = 3.1930 TOP Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Tonga, I suggest picking the cheapest option which is Regency FX.
On a 6,000 GBP transfer, Regency FX delivers the most TOP.
The best option will change depending on how much you actually send, so I suggest to get the best GBP/TOP rate.
You have 3 ways to pay, including bank transfer, debit card, and credit card.
Paying from your bank is usually both cheapest and quickest, since most companies connect straight into your banking app via Open Banking.
Anywhere a debit card works, Apple Pay and Google Pay usually do too.
First time round you'll need to confirm your name, date of birth, address and a photo ID.
On £6,000 transfer it's normally instant but can take a couple hours.
How much GBP you send to Tonga heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
| Cheapest service | |||||
|---|---|---|---|---|---|
| £500 | 0.65% | £0.00 | T$1,586.60with bank transfer to bank deposit | +T$104.27 | |
| £1,000 | 0.65% | £0.00 | T$3,168.08with bank transfer to bank deposit | +T$218.48 | |
| £2,000 | 0.65% | £0.00 | T$6,336.17with bank transfer to bank deposit | +T$454.69 | |
| £6,000This page | 0.27% | £0.00 | T$19,106.26with bank transfer to bank deposit | +T$1,192.91 | |
| £250,000 | 0.20% | £0.00 | T$794,992.33with bank transfer to bank deposit | +T$47,559.48 |
Mid-market rate: 1 GBP = 3.1930 TOP
There are many ways to send money to Tonga from the UK, including broker, online, app, in person, multi-currency account, and global account, and more.
For small & frequent transfers
If you send small amounts back home to Tonga, say weekly or monthly, an app like MoneyGram is the easiest and cheapest way to do it.
It charges £0 in fees, has 5.96% markup, lets you save recipient details, and TOP will arrive in minutes.
For one off transfers
Sending money online is good for occasional medium sized TOP transfers, around £1,000 - £5,000.
Online companies like MoneyGram often have higher limits and/or first time promos.
Of 1 online services, MoneyGram is the cheapest and will get you T$18,048.6 on £6,000 transfer.
For large transfers
Currency brokers like Regency FX are the best for £10,000+ transfers (things like house deposits, education fees, relocation, etc.).
You get a dedicated account manager to handle your transfer to Tonga, and 24/7 support.
Regency FX charges no fees on large transfers, but adds 0.27% markup on top of the current GBP/TOP rate.
The markup gets better the more GBP you send, so we suggest .
For fast money transfers
Sending cash is the fastest way to send money from the UK to Tonga, but is usually a bit more more expensive.
You will need to deposit £6,000 online via MoneyGram, and your recipient in Tonga will be able to collect T$18,048.6 in minutes.
For spending and receiving
Multi-currency accounts let you hold and spend Pa’anga abroad like a local.
Wise offers the best multi-currency account.
With it, converting £6,000 to TOP will get you T$17,827.44 after fees.
If you don’t have TOP in your account, your GBP will auto-convert whenever you pay with Wise in Tonga.
Once you have TOP in the account, there are no extra fees from Wise for spending or holding it (local ATM charges may still apply).
For business transfers
Global accounts are for UK businesses making payments overseas.
For suppliers, freelancers, salaries, or invoices in Tonga, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.
Pay-in and pay-out methods will affect how much GBP you deposit and how much TOP your recipient gets. Use the table below to see how different options change how much you pay and what they get.
The overall best and cheapest way to send £6,000 to Tonga is via Regency FX, using a bank transfer to deposit GBP and bank deposit to receive TOP.
You have 3 pay-in options for transfers to Tonga, including bank transfer, debit card, and credit card.
The cheapest pay-in option is bank transfer.
The fastest option in the UK is almost always bank transfer, since most companies use Open Banking and Faster Payments System (FPS).
The most expensive deposit option is credit card.
Be careful with credit card deposits, since your bank often treats it as a cash advance and will charge interest.
Money can reach Tonga by bank deposit, mobile wallet, and cash pickup, and each delivery method comes with its own fees.
The cheapest way to receive money in Tonga is with bank deposit on average.
Receiving cash
MoneyGram is the cheapest option for cash pickup ( getting you T$18,048.6 on £6,000 transfer).
Mobile wallets
You can receive TOP into a mobile wallet, which is useful since they don't need a bank account.
You pay £6,000.00
T$19,106
Cheapest
You pay £6,000.00
T$18,049
-T$1,058
You pay £6,000.00
T$18,049
-T$1,058
You pay £6,000.00
T$18,049
-T$1,058
You pay £6,004.99
T$17,996
-T$1,110
You pay £6,004.99
T$17,996
-T$1,110
You pay £6,004.99
T$17,996
-T$1,110
You pay £6,000.00
T$17,774
-T$1,332
You pay £6,000.00
T$17,453
-T$1,653
There are a few nuances you should consider before sending GBP to Tonga such as limits, taxes, and safety.
Right now, these are the best money transfer options for £6,000 transfer to Tonga:
Cheapest way to send money to Tonga
The cheapest way is to use Regency FX, pay in with a bank transfer and withdraw via bank deposit. You will get T$19,106.26, which is 0.23% more than the next best option.
Fastest way to send money to Tonga
The fastest way is to use Regency FX via bank transfer deposit and bank deposit for pay out. You get T$19,106.26 and it will arrive in minutes - 24 hours.
There is no legal limit and no tax on sending your own money abroad.
Main hard limits come from your bank or money transfer company, often around £10,000 to £25,000 online (which you can usually increase in the app).
Also, the "£10,000 declaration" only applies to physically carrying cash through the border, not online transfers.
And on bigger GBP/TOP transfers (roughly £10,000 up) expect a source-of-funds check, such as a payslip or a statement.
That's anti-money-laundering checks, but it holds transfers up, so be prepared.
Your cost is the fee plus the exchange-rate margin.
For example, sending T$19,106.26 with Regency FX will get you 19,106.26 TOP, that’s including £0 fee and 0.27% in exchange rate markup.
A bank like on the other hand, will get you T$0, that’s £ in fees but % in FX fees.
There is no UK tax for the act of sending money to Tonga.
And, regular gifts out of your normal income are free of inheritance tax straight away, no cap and no seven-year wait.
Only ever use a provider authorised by the FCA, which you can check on the FCA register in under a minute.
The rules in place for any scams cover domestic pound transfers only, on a transfer abroad you're less protected.
Always confirm who you're really sending to before you send, because there's little recourse after.
For more information, check our guide to money transfer regulations in the UK.
The exchange rate you secure impacts how much TOP you get for your GBP, so waiting a day or two can get you more Pa’anga.
Mid-market rate:1 GBP = 3.19177 TOP
We track 5 regulated companies offering money transfers from the UK to Tonga in real time.
We analyse the fees, exchange rates, deposit/withdrawal methods, and each goes through our internal review.
Most GBP/TOP pricing data comes directly from the providers. We collect the rest manually, run it through our comparison engine and label it in the table.
More on how we work:
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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