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How to send money to Tonga from New Zealand with the best NZD-TOP rate

Compare ways to send money from New Zealand to Tonga. Find the cheapest, fastest, and most reliable providers with the best NZD to TOP exchange rates.

Read on for the best deals, expert information, and all you need to send money to Tonga from New Zealand.

Transferring the other way? Send TOP from Tonga to New Zealand instead.
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July 7th, 2025
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Best money transfer companies

Send money from New Zealand to Tonga

Last updated: Today
Mid-market rate as of 07/07/2025: 1 NZD = 1.406284 TOP
Results below are based on a 10000 NZD search
0 of 5 providers
Sponsored
Wise
Recipient gets (TOP)
T$14,013.39
Full transfer details
Visit Wise
T$372 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$13,500.00
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
Live Rates
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1
Wise
Recipient gets (TOP)
T$14,013.39
Full transfer details
Visit Wise
T$372 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$13,610.00
Full transfer details

"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$13,500.00
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
4
Remitly
Recipient gets (TOP)
T$13,211.00
Full transfer details

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
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$13,992.61
Sponsored
Wise
Recipient gets (TOP)
T$14,013.39
Full transfer details
Visit Wise
T$372 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$13,500.00
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

Our recommendation: Wise

Wise is our top choice for NZD to TOP transfers.

We tested & reviewed 5 money transfer providers offering money transfers from New Zealand to Tonga, and Wise scored highly.

Sending 10,000 NZD to TOP will cost you $72.9 in fees, and you will receive 14,013.39 TOP. The delivery time usually is within a week.

For a great mix of cost, speed & features, we recommend making your New Zealand to Tonga transfer using Wise.

Wise is the top rated company for sending money from New Zealand (NZD) to Tonga (TOP) - Wise Screenshot

How to compare deals on New Zealand to Tonga money transfers

Summary of recent searches

Top rated for transfers from New Zealand to Tonga
Wise
Total number of NZ - TO providers
5
Average cheapest fees & rate
Wise
Average fastest transfer
OFX
Average transfer time
Within minutes
Best for bank transfers
Wise
Best for debit card
Xe

What to consider ahead of money transfers from New Zealand to Tonga

1
Compare providers

Comparing based on your specific needs is the best way to send money from New Zealand to Tonga with confidence.

Our analysis, and search results, include 5 providers that operate between New Zealand and Tonga. These are ranked by speed, overall cost and ease of use.

Through this, you get a comprehensive view of all the options you have in New Zealand when you need to send money to Tonga.

2
Understand the New Zealand Dollar-Pa’anga exchange rate
3
Choose the right payment method
4
Use providers regulated in New Zealand and Tonga
5
Consider transfer limits
6
Receiving money in Tonga
7
Have your ID ready
8
Don't forget about taxes

Cheapest way to transfer money to Tonga from New Zealand: Wise

Wise offers a combination of the lowest fees and best exchange rates - making it the cheapest transfer service for sending New Zealand Dollar to Tonga.

Of the 5 providers compared, data shows that Wise is 0.15% cheaper than the second-best option.

The is cost is made up of an average NZD-TOP exchange rate that is -0.38% different to the mid-market rate and an average fee of 72.9* NZD.

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

Wise is the cheapest way to send money from New Zealand (NZD) to Tonga (TOP) - Wise Screenshot

Fastest way to transfer money to Tonga from New Zealand: OFX.

Of 5 companies compared, OFX offers the quickest way to send New Zealand Dollars to Tonga.

For example, sending $10,000 to Tonga with OFX will be minutes - 24 hours.

But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

New Zealand to Tonga transfers with OFX have a fee of 0 NZD.

To test that OFX was the 'fastest' option we compared 5 providers. With this, we compared overall speed of sending money from New Zealand to Tonga made up of depositing New Zealand Dollars, to a money transfer account and transfer times to Tonga.

When sending at speed is a priority, OFX is our recommended choice for sending into Tonga from New Zealand.

OFX is the fastest way to send money from New Zealand (NZD) to Tonga (TOP) - OFX Screenshot

Transfer a large sum of money

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

From
5 money transfer companies compared, Wise is the best option for large transfers from New Zealand to Tonga.

Whether it’s for property purchases, business or any other reason, sending large amounts of money from New Zealand 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 New Zealand because they offer a strong service and competitive exchange rates.

Understanding the cost of sending money from New Zealand to Tonga

Ensuring a strong combination of fees and exchange rates ensures the best deal on money transfers from New Zealand to Tonga.

The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Pa’anga for your New Zealand Dollar. The current NZD-TOP mid-market rate is 1.4084 TOP per New Zealand Dollar.

  • This rate changes regularly so it can pay to track it. For comparison, the NZD-TOP mid-market rate for the past 7 days has averaged 1.4199 TOP per New Zealand Dollar, with a low of 1.4063 and a high of 1.4267.

  • Wise is currently offering the best exchange rate from the 5 companies compared.

  • Often the NZD-TOP exchange rate you pay is the biggest cost factor when transferring New Zealand Dollars to Tonga.

Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of New Zealand Dollar you’re sending to Tonga. Wise currently has the lowest fees for transfers into TOP of just 72.9 NZD. We always recommend searching for your exact send amount for an exact fee.

Amount Received: The amount received in Pa’anga is the biggest indicator of the total cost of sending money to Tonga from New Zealand. The bigger the amount received in Tonga, the lower the overall cost of sending from New Zealand.

How to find the best exchange rate for New Zealand Dollar to Pa’anga

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

Mid-market Rate
1 
=
1.408413 
TOP

Let's dive into some interesting recent trends.

  • In the last 7 days, the exchange rate from NZD to TOP has seen some fluctuation. On average, it stood at 1.4199.

  • During this period, the highest value recorded was 1.4267, while the lowest was 1.4063.

  • Wise, which is our recommended service to send money online from New Zealand to Tonga offers 1.4116 TOP per NZD which is only -0.38% above the mid-market rate.

Want to secure the best NZD-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 New Zealand to Tonga!

Paying for your New Zealand to
Tonga transfer

  • Bank transfers

    Paying via a bank transfer is often the better option for sending money from New Zealand to Tonga.

    By using a money transfer company such as Wise for transfers from New Zealand to Tonga, you can send money and while benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    On average, Wise is the cheapest provider for bank transfers from the 5 we tested when sending NZD to Tonga.

    With a fee of 72.9 NZD to send money from New Zealand to Tonga, Wise offers the best combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from New Zealand to Tonga with a debit or a prepaid card is easy with Wise.


    Wise is a one of the better options in the market for international debit card transfers from New Zealand to Tonga.

  • Credit cards

    Not many money transfer companies offer direct credit card deposits, because it is more expensive for everyone.

    We recommend using a bank transfer or a debit card transfer if you can; otherwise, make a quick comparison to find the latest deal.

    Be aware of fees: using a credit card to transfer money can mean being charged for a cash advance by your card provider. We always recommend a bank transfer or debit card payment if it is a possibility.

How we analyze the market

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


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 New Zealand to Tonga.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send NZD 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 New Zealand to Tonga?
What is the best exchange rate I can get for sending money from New Zealand to Tonga?
Are there any minimum or maximum transfer amounts for sending money from New Zealand to Tonga?
Can I schedule regular transfers between New Zealand 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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