Best companies for AUD/TOP transfers
5 of 5 providers Last updated on 28 October 2026
Based on 2,000 AUD transfer Best companies for AUD/TOP transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $77.62 1 AUD = 1.6526 TOP +2.41% vs mid-market	Recipient gets T$3,177.00 Within a week
25 reviews Receive 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 $77.621 AUD = 1.6526 TOP T$3,177.00You pay$2,000.00
Ad Xe Pay via Debit Card	Fees: $0.00 1 AUD = 1.5438 TOP +9.21% vs mid-market	Recipient gets T$3,087.60 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Tonga with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.5438 TOP T$3,087.60You pay$2,000.00
Run a live search Showing top Australia to Tonga deals for 2,000 AUD. 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 AUD 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 AUD you're planning to spend in Tonga.
Run a live search These are managed services with real human support for large AUD transfers. Click the link and update the transfer amount to get the best deal.
OFX Pay via Bank Transfer	Fees: $0.00 1 AUD = 1.6819 TOP +0.65% vs mid-market	Recipient gets T$3,363.86 6-12 Hours
7 reviews Cheapest Receive to bank account
Ways to receive money in Tonga with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.6819 TOP T$3,363.86You pay$2,000.00
Wise Pay via Bank Transfer	Fees: $77.62 1 AUD = 1.6526 TOP +2.41% vs mid-market	Recipient gets T$3,177.00 Within a week
25 reviews Recommended Receive 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 $77.621 AUD = 1.6526 TOP T$3,177.00You pay$2,000.00

Wise Pay via Osko	Fees: $77.62 1 AUD = 1.6526 TOP +2.41% vs mid-market	Recipient gets T$3,177.00 Within a week
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Tonga with Wise when paying by osko. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $77.621 AUD = 1.6526 TOP T$3,177.00You pay$2,000.00
Wise Pay via Debit Card	Fees: $82.82 1 AUD = 1.6526 TOP +2.41% vs mid-market	Recipient gets T$3,168.41 Within a week
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Tonga with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $82.821 AUD = 1.6526 TOP T$3,168.41You pay$2,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $1.99 1 AUD = 1.5747 TOP +7.24% vs mid-market	Recipient gets T$3,149.40 6-12 Hours
2 reviews
Ways to receive money in Tonga with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 1.5747 TOP T$3,149.40You pay$2,001.99 Cash pickup6-12 Hours $2.891 AUD = 1.5747 TOP T$3,149.40You pay$2,002.89

$0 fee on first online transfers MoneyGram Pay via POLi	Fees: $1.99 1 AUD = 1.5747 TOP +7.24% vs mid-market	Recipient gets T$3,149.40 6-12 Hours
2 reviews
Ways to receive money in Tonga with MoneyGram when paying by poli. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 1.5747 TOP T$3,149.40You pay$2,001.99 Cash pickup6-12 Hours $2.891 AUD = 1.5747 TOP T$3,149.40You pay$2,002.89
$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $1.99 1 AUD = 1.5747 TOP +7.24% vs mid-market	Recipient gets T$3,149.40 6-12 Hours
2 reviews
Ways to receive money in Tonga with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets $1.991 AUD = 1.5747 TOP T$3,149.40You pay$2,001.99 Cash pickup6-12 Hours $2.891 AUD = 1.5747 TOP T$3,149.40You pay$2,002.89
Wise Pay via Credit Card	Fees: $95.48 1 AUD = 1.6526 TOP +2.41% vs mid-market	Recipient gets T$3,147.49 Within a week
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Tonga with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT $95.481 AUD = 1.6526 TOP T$3,147.49You pay$2,000.00
Remitly Pay via PayTo	Fees: $0.99 1 AUD = 1.5591 TOP +8.23% vs mid-market	Recipient gets T$3,118.20 Within a week
15 reviews Receive to bank account or cash pickup
Ways to receive money in Tonga with Remitly when paying by payto. MethodFee & ratesRecipient gets Bank depositWithin a week $0.991 AUD = 1.5591 TOP T$3,118.20You pay$2,000.99

Remitly Pay via Debit Card	Fees: $1.99 1 AUD = 1.5591 TOP +8.23% vs mid-market	Recipient gets T$3,118.20 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Tonga with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $1.991 AUD = 1.5591 TOP T$3,118.20You pay$2,001.99
Remitly Pay via Credit Card	Fees: $1.99 1 AUD = 1.5591 TOP +8.23% vs mid-market	Recipient gets T$3,118.20 Within minutes
15 reviews Receive to bank account or cash pickup
Ways to receive money in Tonga with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $1.991 AUD = 1.5591 TOP T$3,118.20You pay$2,001.99
Xe Pay via Debit Card	Fees: $0.00 1 AUD = 1.5438 TOP +9.21% vs mid-market	Recipient gets T$3,087.60 6-12 Hours
4 reviews Fastest Receive to bank accountDedicated support for larger transactions
Ways to receive money in Tonga with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.5438 TOP T$3,087.60You pay$2,000.00

Xe Pay via Bank Transfer	Fees: $0.00 1 AUD = 1.5438 TOP +9.21% vs mid-market	Recipient gets T$3,087.60 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Tonga with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.5438 TOP T$3,087.60You pay$2,000.00
Xe Pay via Credit Card	Fees: $0.00 1 AUD = 1.5438 TOP +9.21% vs mid-market	Recipient gets T$3,087.60 6-12 Hours
4 reviews Receive to bank accountDedicated support for larger transactions
Ways to receive money in Tonga with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 AUD = 1.5438 TOP T$3,087.60You pay$2,000.00
How Our Results Work Mid-market rate: 1 AUD = 1.6929 TOP Updates every 60 minutes.

Why compare

AUD/TOP exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Australia to Tonga

Pick a company

Start with the cheapest, which is OFX at 3,363.86 TOP on A$2,000.

OFX was the cheapest on 29 of the 29 days it quoted A$2,000 transfers to Tonga.

Funding is quick whoever you pick, so the choice comes down to the rate and how your recipient collects it.

Fund your transfer

You have 6 ways to pay, including debit card, credit card, bank transfer, osko, poli, and payto.

PayID and Osko move money to the company in seconds at no cost, and PayID shows you the account name before you confirm.

Watch your bank's daily limit on anything large.

Verify and send

First time round you'll need a photo ID, usually a licence or a passport.

A passport and visa are enough if you’re new (you don’t need an Australian credit history).

Compare amounts

How much AUD are you sending to Tonga?

How much AUD 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 OFX was the cheapest in 100% of the transfers up to A$2,000 it quoted, and in 48% of all the transfers it quoted.


$1,000	0.65%	$0.00	T$1,682.13with bank transfer to bank deposit	+T$97.68
$1,500	0.65%	$0.00	T$2,523.52with bank transfer to bank deposit	+T$160.71
$2,000This page	0.65%	$0.00	T$3,363.86with bank transfer to bank deposit	+T$213.91
$3,000	0.65%	$0.00	T$5,046.89with bank transfer to bank deposit	+T$323.38
$7,500	0.50%	$0.00	T$12,631.44with bank transfer to bank deposit	+T$542.76
$12,000	0.27%	$0.00	T$20,259.90with bank transfer to bank deposit	+T$836.62
$15,000	0.27%	$0.00	T$25,321.99with bank transfer to bank deposit	+T$1,217.09
$50,000	0.25%	$0.00	T$84,474.04with bank transfer to bank deposit	+T$3,786.16
$100,000	0.25%	$0.00	T$168,842.34with bank transfer to bank deposit	+T$6,006.06
$250,000	0.20%	$0.00	T$422,317.42with bank transfer to bank deposit	+T$15,190.53
$500,000	0.20%	$0.00	T$844,685.74with bank transfer to bank deposit	+T$16,993.70

Mid-market rate: 1 AUD = 1.6929 TOP

AUD/TOP Exchange Rate History

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

The cheapest way to send AUD 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 OFX), across 30 days of comparisons for 2,000 AUD transfers to Tonga.

Each line shows what the recipient gets when you send $2,000, after fees, as quoted by each company. The mid-market line shows what $2,000 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 AUD 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 Australia.

Right now, OFX pays 3,363.86 TOP on 2,000 AUD, which is 22 TOP less than the mid-market amount.

Today's payout is the highest in the past month.

Ways to send money from Australia to Tonga

5 money transfer companies let you send money from Australia to Tonga.

Cheapest for most transfers

Online transfers

Sending money online with a “self-service” provider is usually the cheapest way to send money to Tonga.

For example, sending A$2,000 with Wise will get you 3,177 TOP after a A$77.62 fee and 2.41% markup.

In our comparisons over the past month, it was the cheapest online service on 11 of the 30 days it quoted.

To speed up the transfer, use PayID or bank transfer, this will ensure your money is withdrawn instantly from your AU bank account.

Plus, PayID shows the registered payee name, which gives you an extra check against the details you entered.

For regular transfers home

Money transfer apps

An app suits the transfer you make over and over to the same recipient, similar amount, every payday or so.

Wise takes A$77.62 in fees and 2.41% markup on a A$2,000 transfer, and your TOP arrives in next week.

Over the past month, Wise was the cheapest app on 37% of the days it appeared for A$2,000 transfers.

Signing up is quick even if you're new to Australia.

A passport and visa are enough for most money transfer apps, and no local credit history is needed.

For large AUD transfers

Currency brokers

Money transfer brokers are best for large transfers, like buying property, moving abroad, or paying student fees.

On transfers of $10,000 or more, a broker like OFX drops the fee entirely and works on margin instead.

With OFX you get 0.65% on AUD/TOP, and it gets lower the more you send.

You also get an account manager for the whole thing.

Our analysis shows OFX was the cheapest broker in 48% of all the transfers it quoted.

For overseas business payments

Business accounts

Global accounts like Airwallex are great for paying suppliers, contractors or staff in TOP, handling invoices, batch payments, and more.

For receiving and spending

Multi-currency accounts

Multi-currency accounts let you hold AUD and TOP in one account, and convert when the rate suits you.

Wise converts A$2,000 at 2.41% markup, and the TOP sits in your account until you spend or transfer it.

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

Most useful if you travel often to Tonga, split your life between two countries, or receive money from abroad.

We also created a guide going into more detail about multi currency accounts.

Ways to fund AUD and receive money in Tonga

With OFX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending A$2,000 gives your recipient 3,363.86 TOP.

You can fund the transfer with debit card, credit card, bank transfer, osko, poli, and payto.

Recipients in Tonga can collect TOP through bank deposit, mobile wallet, and cash pickup.

Your recipient can have TOP delivered to a mobile wallet, without a bank account.

Use our payout filters above to find the cheapest company offering mobile wallet withdrawals.

They can collect cash via MoneyGram

For cash collection, the recipient should take a photo ID and the transfer reference to a participating location in Tonga.

1

Bank transfer Bank deposit

You pay A$2,000.00

T$3,364

Cheapest
2

Osko Bank deposit

You pay A$2,000.00

T$3,177

-T$187
3

Debit card Bank deposit

You pay A$2,000.00

T$3,168

-T$195
4

Debit card Mobile wallet

You pay A$2,001.99

T$3,149

-T$214
5

Debit card Cash pickup

You pay A$2,002.89

T$3,149

-T$214

Show moreShow less

6

Credit card Mobile wallet

You pay A$2,001.99

T$3,149

-T$214
7

Credit card Cash pickup

You pay A$2,002.89

T$3,149

-T$214
8

Poli Mobile wallet

You pay A$2,001.99

T$3,149

-T$214
9

Poli Cash pickup

You pay A$2,002.89

T$3,149

-T$214
10

Credit card Bank deposit

You pay A$2,000.00

T$3,147

-T$216
11

Payto Bank deposit

You pay A$2,000.99

T$3,118

-T$246

Consider this before sending AUD to Tonga

Every international transfer is reportable by the company handling it, but that is not a tax or a form you normally file yourself. PayID can fund the transfer, while the overseas leg still needs a transfer provider.

Compare AUD/TOP transfer options

For a A$2,000 transfer to Tonga, these are the best options right now:

Cheapest

OFX is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 3,363.86 TOP, which is 5.55% more than the next best option.

Fastest

OFX delivers 3,363.86 TOP in 6-12 hours when you use bank transfer and choose bank deposit as payout.

If you need money urgently, we've put together a guide on instant money transfers.

PayID is domestic only

PayID and Osko move Australian dollars between local accounts.

When a money transfer company accepts PayID, it collects the AUD in Australia and then handles the conversion and payout in Tonga.

Confirm the registered business name shown by your bank before approving the PayID payment.

AUSTRAC reporting

The bank or remittance company reports international transfer instructions to AUSTRAC.

This applies to international transfers generally, rather than only those above A$10,000.

You do not normally submit the international transfer report yourself.

A separate threshold report applies when a transaction involves A$10,000 or more in physical cash.

Large or unusual transfers can still trigger source-of-funds checks. Keep the sale agreement, invoice or bank statement that explains the payment ready.

Cash gifts can affect Centrelink payments

Australia does not generally tax a genuine cash gift simply because you send it to family in Tonga.

Gifting money can still affect income-tested or asset-tested Centrelink payments.

Services Australia can continue assessing gifts above its gifting free areas under the income and assets tests.

If you or your partner receive a relevant payment, check the gifting rules before sending a large amount.

Bank protection in Australia

The Financial Claims Scheme protects eligible Australian-dollar deposits with an Australian-incorporated ADI, up to A$250,000 per account holder per ADI.

It does not automatically cover money held by a non-bank transfer company.

In case of issues, if a complaint is not resolved, the Australian Financial Complaints Authority is the free external dispute service for member financial firms.

How we analyse the market

We track 5 companies sending AUD to Tonga, all holding an Australian licence, with rates refreshed in real time when running a live search.

In the past 30 days alone, we analysed 316 comparisons across 11 amounts.

This page covers the cheapest and fastest options for AUD/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.

Fees, exchange rates and the pay-in and payout options all get compared, and each company goes through our review before it appears.

More on who we are, why you can trust us and getting started.

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, 29 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.6817	–	T$3,363.45
OFX Cheapest	1.6708	$0.00	T$3,341.59	−T$21.86
MoneyGram	1.6007	$2.89	T$3,201.40	−T$162.05
Wise	1.6597	$115.95	T$3,127.03	−T$236.42

Wed, 30 Sept 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.6784	–	T$3,356.72
OFX Cheapest	1.6675	$0.00	T$3,334.90	−T$21.82
MoneyGram	1.5971	$2.89	T$3,194.20	−T$162.52
Wise	1.6584	$115.26	T$3,125.62	−T$231.10

Thu, 1 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.6740	–	T$3,348.09
OFX Cheapest	1.6632	$0.00	T$3,326.33	−T$21.76
MoneyGram	1.5891	$2.89	T$3,178.20	−T$169.89
Wise	1.6567	$115.81	T$3,121.46	−T$226.63

Fri, 2 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.6707	–	T$3,341.44
OFX Cheapest	1.6599	$0.00	T$3,319.72	−T$21.72
MoneyGram	1.5821	$2.89	T$3,164.20	−T$177.24
Wise	1.6593	$124.19	T$3,112.59	−T$228.85

Sat, 3 Oct 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	1.6683	–	T$3,336.67
OFX Cheapest	1.6575	$0.00	T$3,314.99	−T$21.68
MoneyGram	1.5733	$2.89	T$3,146.60	−T$190.07
Wise	1.6605	$123.29	T$3,116.20	−T$220.47

How to send money to Tonga from Australia with the best AUD-TOP rate

Best companies for AUD/TOP transfers