Of the 4 companies servicing JPY/TOP, Regency FX is the cheapest, and Regency FX is the fastest.
Sending ¥1,000,000 to Tonga with Regency FX will get your recipient 15,379.36 TOP.
| 4 of 4 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze JPY/TOP exchange rates from our comparisons. | |||
| Based on 1,000,000 JPY transfer Best companies for JPY/TOP transfersAll money transfer offers for JPY/TOP transfers, sorted by most TOP received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee ¥43,951.00 1 JPY = 0.0149 TOP +3.26% vs mid-market | Recipient gets T$14,269.60 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 ¥43,951.001 JPY = 0.0149 TOP T$14,269.60You pay¥1,000,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee ¥0.00 1 JPY = 0.0150 TOP +2.77% vs mid-market | Recipient gets T$14,960.00 Minutes - 24 hours | |
Ways to receive money in Tonga with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0150 TOP T$14,960.00You pay¥1,000,000.00 | |||
Run a live search Showing top Japan to Tonga deals for 1,000,000 JPY. 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 JPY 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 JPY you're planning to spend in Tonga. | |||
Run a live search These are managed services with real human support for large JPY 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 JPY = 0.0154 TOP +0.27% vs mid-market | Recipient gets T$15,379.36 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 JPY = 0.0154 TOP T$15,379.36You pay¥1,000,000.00 | |||
 OFX Pay via Bank transfer | Fee ¥0.00 1 JPY = 0.0153 TOP +0.50% vs mid-market | Recipient gets T$15,343.90 Minutes - 24 hours | |
Ways to receive money in Tonga with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0153 TOP T$15,343.90You pay¥1,000,000.00 | |||
| Xe Pay via Bank transfer | Fee ¥0.00 1 JPY = 0.0150 TOP +2.77% vs mid-market | Recipient gets T$14,960.00 Minutes - 24 hours | |
Ways to receive money in Tonga with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0150 TOP T$14,960.00You pay¥1,000,000.00 | |||
| Wise Pay via Bank transfer | Fee ¥43,951.00 1 JPY = 0.0149 TOP +3.26% vs mid-market | Recipient gets T$14,269.60 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 ¥43,951.001 JPY = 0.0149 TOP T$14,269.60You pay¥1,000,000.00 | |||
| How Our Results Work Mid-market rate: 1 JPY = 0.015421 TOP Updates every 60 minutes. | |||
Transfer details
We suggest starting with Regency FX since its the cheapest option for sending ¥1,000,000.
The best and cheapest options will change depending on the amount, so it's a good idea to to get the best JPY/TOP rate today.
You can fund your transfer from Japan via bank transfer.
A furikomi from your bank reaches the money transfer company account the same day.
You can also pay cash at a konbini terminal or an ATM for cash transfer.
When opening a new money transfers account, you'll need your residence card to register (tourists can't send money from Japan).
If you support family back home, ask about registering them as dependents, it may cut your income and resident tax (not tax advice).
4 companies send money from Japan to Tonga.
Everyday transfers
Online transfers to Tonga are usually faster and cheaper than a traditional Japanese bank wire.
Depending on the service, you can deposit money via bank deposit (Suica and other IC cards won’t work).
Xe is the cheapest option.
It charges ¥0 to send 1,000,000 JPY and your recipient gets 14,960 TOP (after a ¥0 fee and a 2.77% markup). The TOP will arrive in minutes - 24 hours.
You will normally need your residence card to open an account.
Regular overseas spending
A multi-currency account lets you convert part of your yen and keep TOP for future payments.
Wise lets you hold JPY and TOP in one account and swap between them as you need.
Converting ¥1,000,000 gets you 14,269.6 TOP, after 3.44% markup and ¥43951 fee.
This is convenient for receiving payments in JPY or TOP, or spending money when traveling to Tonga.
Paying contractors
Global accounts help Japanese businesses make repeat payments to contractors and suppliers in Tonga.
Wise Business and Payoneer offer great business accounts in Japan.
With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ¥1,000,000 gives your recipient 15,379.36 TOP.
You can fund the yen side by bank transfer.
Pay from a Japanese bank account
Transfer JPY using the account and reference provided by the money transfer company.
A domestic bank payment funds the transfer (usually very fast), but it does not determine how quickly TOP reaches the recipient.
For the payout, your recipient can use bank deposit in Tonga.
You pay ¥1,000,000.00
T$15,379
Cheapest
The weak yen makes the exchange-rate margin especially important. Foreign residents should also expect identity and purpose checks before the first overseas transfer.
These are the leading options for a ¥1,000,000 transfer to Tonga.
Cheapest way to send money to Tonga
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 15,379.36 TOP, which is 0.23% more than the next best option.
Fastest way to send money to Tonga
The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 15,379.36 TOP in minutes - 24 hours.
Japanese banks and registered funds-transfer companies can ask for a residence card, address, My Number and the purpose of an overseas payment.
The exact documents depend on the money transfer company and transfer purpose.
The first payment may take longer while the account is being checked.
Keep the invoice or document explaining the payment ready if you are sending tuition, property money or a large personal transfer.
The Financial Services Agency advises foreign residents to use a licensed bank or Funds Transfer Service Provider.
PayPay, Suica, IC cards, and a domestic furikomi are useful inside Japan, but they do not send JPY to Tonga.
Japan's annual basic gift-tax exemption is ¥1.1 million per recipient under the calendar-year system.
The recipient may need to file and pay tax when total gifts received during the year exceed that amount.
Residence and asset-location rules can make cross-border cases more complicated, so do not assume that receiving the money in an overseas account avoids Japanese tax.
Non-bank remittance balances are protected under the Payment Services Act, but they are not ordinary bank deposits, so avoid leaving more money there beyond what you need to send.
The rate you secure decides how much TOP arrives for your JPY. Recent movement gives you a useful range to compare against today's quote.
Mid-market rate:1 JPY = 0.015382 TOP
We track 4 registered funds transfer companies sending JPY to Tonga, updated in real time on live searches.
With the yen weak, the exchange margin decides more than the fee does, so that's what we lead the comparison on, along with the ways to pay and collect.
Each goes through our review.
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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