Best companies for JPY/TOP transfers
3 of 3 providers Last updated on 28 October 2026
Based on 1,000,000 JPY transfer Best companies for JPY/TOP transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee ¥37,976.00 1 JPY = 0.0149 TOP +2.42% vs mid-market	Recipient gets T$14,315.98 Within a week
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Tonga with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT ¥37,976.001 JPY = 0.0149 TOP T$14,315.98You pay¥1,000,000.00
Promoted Regency FX Pay via Bank transfer	Fee ¥0.00 1 JPY = 0.0152 TOP +0.27% vs mid-market	Recipient gets T$15,204.84 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Tonga with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0152 TOP T$15,204.84You 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 = 0.0152 TOP +0.27% vs mid-market	Recipient gets T$15,204.84 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Tonga with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0152 TOP T$15,204.84You pay¥1,000,000.00
OFX Pay via Bank transfer	Fee ¥0.00 1 JPY = 0.0152 TOP +0.50% vs mid-market	Recipient gets T$15,169.77 Minutes - 24 hours
7 reviews Fastest Personal account managerReceive to bank account
Ways to receive money in Tonga with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 JPY = 0.0152 TOP T$15,169.77You pay¥1,000,000.00
Wise Pay via Bank transfer	Fee ¥37,976.00 1 JPY = 0.0149 TOP +2.42% vs mid-market	Recipient gets T$14,315.98 Within a week
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Tonga with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT ¥37,976.001 JPY = 0.0149 TOP T$14,315.98You pay¥1,000,000.00
How Our Results Work Mid-market rate: 1 JPY = 0.0152 TOP Updates every 60 minutes.

Why compare

JPY/TOP exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Japan to Tonga

Pick a company

We suggest starting with Regency FX since it's the cheapest option for sending ¥1,000,000.

Regency FX was the cheapest on 29 of the 29 days it quoted ¥1,000,000 transfers to Tonga.

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.

Fund your transfer

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.

Verify and send

When opening a new money transfer 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).

Compare amounts

How much JPY are you sending to Tonga?

How much JPY 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.

Our analysis shows Regency FX was the cheapest in 100% of the transfers from ¥300,000 it quoted, and in 100% of all the transfers it quoted.


¥100,000	0.65%	¥0.00	T$1,516.58with bank transfer to bank deposit	+T$81.23
¥300,000	0.65%	¥0.00	T$4,546.16with bank transfer to bank deposit	+T$194.80
¥1,000,000This page	0.27%	¥0.00	T$15,204.84with bank transfer to bank deposit	+T$307.98

Mid-market rate: 1 JPY = 0.0152 TOP

JPY/TOP Exchange Rate History

Is today a good time to send money from Japan to Tonga?

The cheapest way to send JPY to TOP can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 1,000,000 JPY transfers to Tonga.

Each line shows what the recipient gets when you send ¥1,000,000, after fees, as quoted by each company. The mid-market line shows what ¥1,000,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more TOP per JPY than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of TOP on every transfer from Japan.

Right now, Regency FX pays 15,204.84 TOP on 1,000,000 JPY, which is 41.16 TOP less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 15,308.56 TOP.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Tonga.

We've tracked 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

Regency FXAppeared in 29 comparisons
Cheapest every time
OFXAppeared in 59 comparisons
Cheapest in 51% of them
WiseAppeared in 61 comparisons
Cheapest in 2% of them

Based on 62 comparisons across 3 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

OFX (today's second cheapest) was the cheapest in 51% of its comparisons, so if you send money to Tonga regularly, it's worth comparing it with Regency FX before each transfer.

Ways to send money from Japan to Tonga

3 companies send money from Japan to Tonga.

Everyday transfers

Online 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 transfer (Suica and other IC cards won’t work).

Wise is the cheapest option.

It charges ¥37976 to send 1,000,000 JPY and your recipient gets 14,315.98 TOP (after a 2.3% markup). The TOP will arrive in next week.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.

You will normally need your residence card to open an account.

Regular overseas spending

Multi-currency accounts

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 14,315.98 TOP, after 2.3% markup and ¥37976 fee.

Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.

This is convenient for receiving payments in JPY or TOP, or spending money when traveling to Tonga.

Paying contractors

Global accounts

Global accounts help Japanese businesses make repeat payments to contractors and suppliers in Tonga.

Wise Business and Payoneer offer great business accounts in Japan.

Ways to fund JPY and receive TOP in Tonga

With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ¥1,000,000 gives your recipient 15,204.84 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.

1

Bank transfer Bank deposit

You pay ¥1,000,000.00

T$15,205

Cheapest

Consider this when sending JPY to Tonga

The weak yen makes the exchange-rate margin especially important. Foreign residents should also expect identity and purpose checks before the first overseas transfer.

Compare JPY/TOP transfer options

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 15,204.84 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 15,204.84 TOP in minutes - 24 hours.

Have your residence details ready

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.

You can’t use Suica for deposits

PayPay, Suica, IC cards, and a domestic furikomi are useful inside Japan, but they do not send JPY to Tonga.

A large gift can create Japanese gift tax

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.

How we analyse the market

We track 3 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.

In the past 30 days alone, we analysed 62 comparisons across 3 amounts.

This page covers the cheapest and fastest options for JPY/TOP transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

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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Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0153	–	T$15,294.00
Regency FX Cheapest	0.0153	¥0.00	T$15,252.71	−T$41.29
OFX	0.0152	¥0.00	T$15,217.53	−T$76.47
Wise	0.0151	¥57,051.00	T$14,232.21	−T$1,061.79

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0153	–	T$15,343.00
Regency FX Cheapest	0.0153	¥0.00	T$15,301.57	−T$41.43
OFX	0.0153	¥0.00	T$15,266.29	−T$76.71
Wise	0.0152	¥56,690.00	T$14,300.49	−T$1,042.51

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0152	–	T$15,222.00
Regency FX Cheapest	0.0152	¥0.00	T$15,180.90	−T$41.10
OFX	0.0151	¥0.00	T$15,145.89	−T$76.11
Wise	0.0151	¥56,966.00	T$14,206.24	−T$1,015.76

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0153	–	T$15,259.00
Regency FX Cheapest	0.0152	¥0.00	T$15,217.80	−T$41.20
OFX	0.0152	¥0.00	T$15,182.70	−T$76.30
Wise	0.0152	¥61,131.00	T$14,228.75	−T$1,030.25

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.0153	–	T$15,256.00
Regency FX Cheapest	0.0152	¥0.00	T$15,214.81	−T$41.19
OFX	0.0152	¥0.00	T$15,179.72	−T$76.28
Wise	0.0151	¥60,689.00	T$14,203.32	−T$1,052.68

How to send money to Tonga from Japan with the best JPY-TOP rate

Best companies for JPY/TOP transfers