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

Find money transfer deals for sending money from Japan to Tonga. Compare the cheapest, fastest, and most reliable providers with the best JPY to TOP exchange rates.

Read on for the best deals, expert information, and easiest ways to send money to Tonga from Japan.

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July 14th, 2025
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Best money transfer companies

Send money from Japan to Tonga

Last updated: Today
Mid-market rate as of 07/14/2025: 1 JPY = 0.015898 TOP
Results below are based on a 1000000 JPY search
0 of 4 providers
Sponsored
Wise
Recipient gets (TOP)
T$15,779.02
Full transfer details
Visit Wise
T$358 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

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Dedicated support for large transfers
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Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (TOP)
T$15,220.00
Full transfer details

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

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1
Wise
Recipient gets (TOP)
T$15,779.02
Full transfer details
Visit Wise
T$358 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
2
OFX
Recipient gets (TOP)
T$15,469.00
Full transfer details
Visit OFX
T$48 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
3
Xe
Recipient gets (TOP)
T$15,220.00
Full transfer details

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Revolut
Recipient gets (TOP)
T$15,818.61
Sponsored
Wise
Recipient gets (TOP)
T$15,779.02
Full transfer details
Visit Wise
T$358 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (TOP)
T$15,220.00
Full transfer details

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Best way to send: Wise

Wise is our top pick for sending JPY to TOP.

We tested & reviewed 4 money transfer companies offering services between Japan and Tonga, and Wise scored highly.

Sending 1,000,000 JPY to Pa’anga will cost you ¥11878 in fees, and you will receive 15,779.02 TOP. The delivery time is within a week.

So for a great mix of cost, speed & features, make your Japan to Tonga transfer using Wise.

Wise is the top rated company for sending money from Japan (JPY) to Tonga (TOP) - Wise Screenshot

How to send money from Japan to Tonga

Summary of recent searches

Top rated for transfers from Japan to Tonga
Wise
Total number of JP - TO providers
4
Average cheapest fees & rate
Revolut
Average fastest transfer
OFX
Average transfer time
Within minutes
Best for bank transfers
Revolut

Considerations when sending from Japan to Tonga

1
Compare providers

Comparing money transfer companies with services between Japan and Tonga, based on your specific transfer amount and transfer needs, is the best way to send money at the best price.

For this route, we’ve compared 4 providers providing services between Japan and Tonga. This ensures you will get the best options when sending Pa’anga to Tonga.

Over the last 7 days, we’ve picked Wise as the best overall provider. However, comparing based on the amount you want to send to Tonga will provide a specific provider that’s best for transferring money from Japan.

2
Understanding the Yen-Pa’anga exchange rate
3
Choose the right payment method
4
Financial regulations
5
Consider transfer limits
6
Receiving money from Yen in Tonga
7
Confirm the ID you need
8
Tax declarations

Cheapest way to transfer money to Tonga from Japan: Revolut

Revolut offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending Yen to Tonga.

Of the 4 providers compared, data shows that Revolut is 0.25% cheaper than the second-best option.

The is cost is made up of an average JPY-TOP exchange rate that is 0.2% different to the mid-market rate and an average fee of 3000* JPY.

If you want to secure the best rates on a JPY to Tonga transfer, Revolut will result in the most Pa’anga received.

Revolut is the cheapest way to send money from Japan (JPY) to Tonga (TOP) - Revolut Screenshot 1
Revolut is the cheapest way to send money from Japan (JPY) to Tonga (TOP) - Revolut Screenshot 2
Revolut is the cheapest way to send money from Japan (JPY) to Tonga (TOP) - Revolut Screenshot 3

Fastest way to send money to Tonga from Japan: OFX.

Of the 4 companies offering Japan to Tonga, OFX is the quickest.

If you send ¥1,000,000 with OFX to Tonga, the transfer time is minutes - 24 hours. This is currently the fastest option, but can vary depending on how much JPY you send to Tonga.

Sending money from Japan to Tonga through OFX has a fee of 0 JPY.

To find the fastest company, we compared 4 money transfer providers for the overall speed of sending money from Japan to Tonga. This was made up of depositing Yen to a money transfer account and transfer times to Tonga.

When looking for the fastest money transfer, OFX is our best choice for sending into Tonga from Japan.

OFX is the fastest way to send money from Japan (JPY) to Tonga (TOP) - OFX Screenshot

Transfer a large sum of money

When sending large amounts of Yen to Tonga it’s best to pick a company with higher maximum limits on exchange rates and send amounts.

From
4 money transfer companies compared, Wise is the best option for large transfers from Japan to Tonga.

Whether it’s for property purchases, business or any other reason, sending large amounts of money from Japan to Tonga can become expensive if you use a bank, or the wrong provider.

Wise is the top choice for sending large sums of money to Tonga from Japan because they offer a strong service and competitive exchange rates.

Understanding the cost of transferring money from Japan to Tonga

The total cost of money transfers from Japan to Tonga is a combination of fees and exchange rates. Get the best of both, and you will be getting a good deal.

The Mid-Market and Exchange Rates: The mid-market rate for JPY-TOP is currently 0.0159 TOP per Yen. Providers offering services closer to this rate will ensure more Pa’anga for your Yens.

  • To give a historic average, over the last 7 days the JPY-TOP mid-market rate has been 0.016 TOP per Yen, this has had a high of 0.0163 and a low of 0.0159.

  • From the 4 companies compared, Wise offers the best exchange rate on transfers to Tonga and Japan.

  • Generally, the exchange rate you receive on converting JPY to TOP will be the biggest factor impacting the cost of sending Yens to Tonga.

Fees: Transfer fees are charged alongside a transfer. The company offering the lowest fee is Revolut, just 3000 JPY per transfer. In all cases, we recommend searching for your exact send amount as fees may change.

Amount Received: Money transfer companies will show you the amount eventually received in Pa’anga. Simply, the higher the amount received in Japan, the lower the cost of sending from Tonga.

How to find the best exchange rate for Yen to Pa’anga

Timing is essential for sending money between JPY and TOP. The exchange rate you secure impacts how much TOP you get for your JPY.

Mid-market Rate
1 
JPY
=
0.015852 
TOP

Let's dive into some interesting recent trends.

  • In the last 7 days, the exchange rate from JPY to TOP has seen some fluctuation. On average, it stood at 0.016.

  • During this period, the highest value recorded was 0.0163, while the lowest was 0.0159.

  • Wise, which is our recommended service to send money online from Japan to Tonga offers 0.0160 TOP per JPY which is only -0.64% above the mid-market rate.

Want to secure the best JPY-Pa’anga exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Japan to Tonga!

Paying for your Japan to
Tonga money transfer

  • Bank transfers

    A bank transfer is often the default option for money transfers from Japan to Tonga.

    By using a money transfer company such as Revolut to send money from Japan to Tonga, you can while benefit from lower fees and more favorable exchange rates than a bank would offer. 


    On average, Revolut is the cheapest money transfer provider for bank transfers from the 4 we tested when sending JPY to Tonga.

    With a fee of JPY3000 to send money from Japan to Tonga, Revolut offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from Japan to Tonga with a prepaid or debit card is very easy with .


    is a great choice for sending money with a debit card from Japan to Tonga. This is from the 4 money transfer companies compared.

  • Credit cards

    When it comes to credit card transfers from Japan to Tonga, we recommend comparing your options to get the best deal.

    Be careful of fees: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Tonga and Japan.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Japan to Tonga.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send JPY to TOP.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

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How long does it take to send money from Japan to Tonga?
What is the best exchange rate I can get for sending money from Japan to Tonga?
Are there any minimum or maximum transfer amounts for sending money from Japan to Tonga?
Can I schedule regular transfers between Japan and Tonga?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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