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"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."
"Revolut has 50+ million customers globally. You can hold up to 36 currencies in the app and send money quickly in 70+ currencies to 160+ countries."
"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."
"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."
Our recommendation: Wise
We tested & reviewed 6 money transfer providers offering money transfers from New Zealand to Tonga, and Wise scored highly.
In total, Wise appeared in 100% of New Zealand to Tonga searches, and was the top rated company supporting transfers between NZD and TOP.
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 6 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 6 providers compared, data shows that Revolut is 1.3% cheaper than the second-best option.
The is cost is made up of an average NZD-TOP exchange rate that is 0.03% different to the mid-market rate and an average fee of 23.07* NZD.
If you want to secure the best rates on a NZD to Tonga transfer, Revolut will result in the most Pa’anga received.
*The most common fee applied to NZD-TOP by Revolut, based on data from the past six months.
Fastest way to transfer money to Tonga from New Zealand: Ria Money Transfer.
Through our data, we found Ria Money Transfer to be the fastest option for sending money from New Zealand into Pa’anga in 50% of occasions. For fast NZD to TOP money transfers, Ria Money Transfer comes highly recommended.
New Zealand to Tonga transfers with Ria Money Transfer have an average fee of 4 NZD.
To test that Ria Money Transfer was the 'fastest' option we compared 6 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, Ria Money Transfer is our recommended choice for sending into Tonga from New Zealand.
Transfer a large sum of money
From 6 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 1.3222 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 three months has averaged 1.4374 TOP per New Zealand Dollar, with a low of 1.4547 and a high of 1.4547.
Revolut is currently offering the best exchange rate from the 6 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 at an average of 23.07 NZD over the last 6 months. 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.
Over the past six months, the exchange rate from NZD to TOP has seen some fluctuation. On average, it stood at 1.4374.
During this period, the highest value recorded was 1.4547, while the lowest was 1.4547.
Wise, which is our recommended service to send money online from New Zealand to Tonga offers an exchange rate that is only 0.39% 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 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 6 we tested when sending NZD to Tonga.
With an average fee of 0 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 Wise.
Wise is a one of the better options in the market for international debit card transfers from New Zealand to Tonga.
Credit cards
For credit card transfers from New Zealand to Tonga, Wise is our top choice of the 6 companies offering this payment method.
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
