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.
"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."
"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."
"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."
"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."
"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."
"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."
"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."
"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."
"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."
"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."
"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."
"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."
"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."
"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."
"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."
"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."
Our recommendation: Wise
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 $75.2 in fees, and you will receive 13,716.87 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.
How to compare deals on New Zealand to Tonga money transfers
Always compare rates
Don't pay more than you need to. Use our live comparison tool to ensure the best rates on money transfers from New Zealand to Tonga.
Choose a provider
Select the provider that gives you the best value & service for your needs
Click, sign up & send
Follow the steps & start your transfer from New Zealand. Your funds will be converted to Pa’anga and transferred to Tonga.
Summary of recent searches
What to consider ahead of money transfers from New Zealand to Tonga
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.
Cheapest way to transfer money to Tonga from New Zealand: Revolut
Of the 5 providers compared, data shows that Revolut is 0% cheaper than the second-best option.
The is cost is made up of an average NZD-TOP exchange rate that is 0.2% different to the mid-market rate and an average fee of 30* NZD.
If you want to secure the best rates on a NZD to Tonga transfer, Revolut will result in the most Pa’anga received.
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.
The best apps to send NZD to Tonga from New Zealand
Most money transfer companies have apps you can use to send money abroad.
We've compared and analyzed over 5 apps & companies for NZD/TOP transfers and these are the best apps we found. All these apps are available on iOS and Android for free.
App | Rating | Mobile wallet |
|---|---|---|
iOS: 4.8 / 2.6K reviews Android: 4.4 / 4.19K reviews | Yes (30+ currencies) | |
iOS: 4.9 / 2.3M reviews Android: 4.8 / 1.29M reviews | Yes (Remitly One) | |
iOS: 4.8 / 158K reviews Android: 4.8 / 1.52M reviews | Yes (40+ currencies) | |
iOS: 4.8 / 108.4K reviews Android: 4.8 / 346K reviews | No |
Transfer a large sum of money
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 1.4 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 1.3919 TOP per New Zealand Dollar, with a low of 1.3894 and a high of 1.3947.
Revolut 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. Revolut currently has the lowest fees for transfers into TOP of just 30 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.
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 1.3919.
During this period, the highest value recorded was 1.3947, while the lowest was 1.3894.
Wise, which is our recommended service to send money online from New Zealand to Tonga offers 1.3821 TOP per NZD which is only 0.91% above the mid-market rate.
Want to secure the best NZD-Pa’anga exchange rates?
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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 Revolut 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, Revolut is the cheapest provider for bank transfers from the 5 we tested when sending NZD to Tonga.
With a fee of 30 NZD to send money from New Zealand to Tonga, Revolut 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 Xe.
Xe 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, .
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 and review methodology.
Related transfer routes
Send money from New Zealand
Send money to Tonga
How much money can be transferred from New Zealand to Tonga?
Are there any tax implications to sending money from New Zealand to Tonga?
Can I send money from New Zealand to Tonga with MoneyTransfers.com?
What are the typical transfer fees for sending New Zealand Dollars to Tonga through various providers?
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?
Tools & resources
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