We’ve compared 5 companies, and found Regency FX to be the cheapest, while Regency FX is the fastest.
Sending £6,000 gets you T$19,154.41 with Regency FX at 3.1924 TOP per GBP, about 0.23% more than the next best option.
| 5 of 5 providers Last updated on 28 October 2026 | |||
| Based on 6,000 GBP transfer Best companies for GBP/TOP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee £213.10 1 GBP = 3.1267 TOP +2.35% vs mid-market | Recipient gets T$18,093.61 Within a week | |
Ways to receive money in Tonga with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT £213.101 GBP = 3.1267 TOP T$18,093.61You pay£6,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee £0.00 1 GBP = 2.9106 TOP +9.50% vs mid-market | Recipient gets T$17,463.60 Minutes - 24 hours | |
Ways to receive money in Tonga with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 2.9106 TOP T$17,463.60You pay£6,000.00 | |||
Run a live search Showing top United Kingdom to Tonga deals for 6,000 GBP. 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 GBP 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 GBP you're planning to spend in Tonga. | |||
Run a live search These are managed services with real human support for large GBP transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee £0.00 1 GBP = 3.1924 TOP +0.27% vs mid-market | Recipient gets T$19,154.41 Minutes - 24 hours | |
Ways to receive money in Tonga with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 3.1924 TOP T$19,154.41You pay£6,000.00 | |||
 OFX Pay via Bank transfer | Fee £0.00 1 GBP = 3.1850 TOP +0.50% vs mid-market | Recipient gets T$19,110.23 Minutes - 24 hours | |
Ways to receive money in Tonga with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 3.1850 TOP T$19,110.23You pay£6,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Bank transfer | Fee £0.00 1 GBP = 3.0234 TOP +5.71% vs mid-market | Recipient gets T$18,140.40 Minutes - 24 hours | |
Ways to receive money in Tonga with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 3.0234 TOP T$18,140.40You pay£6,000.00 Cash pickupMinutes - 24 hours £4.991 GBP = 2.9685 TOP T$17,811.00You pay£6,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee £0.00 1 GBP = 3.0233 TOP +5.71% vs mid-market | Recipient gets T$18,139.80 Minutes - 24 hours | |
Ways to receive money in Tonga with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 3.0233 TOP T$18,139.80You pay£6,000.00 Cash pickupMinutes - 24 hours £4.991 GBP = 2.9684 TOP T$17,810.40You pay£6,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee £0.00 1 GBP = 3.0233 TOP +5.71% vs mid-market | Recipient gets T$18,139.80 Minutes - 24 hours | |
Ways to receive money in Tonga with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 GBP = 3.0233 TOP T$18,139.80You pay£6,000.00 Cash pickupMinutes - 24 hours £4.991 GBP = 2.9684 TOP T$17,810.40You pay£6,004.99 | |||
| Wise Pay via Bank transfer | Fee £213.10 1 GBP = 3.1267 TOP +2.35% vs mid-market | Recipient gets T$18,093.61 Within a week | |
Ways to receive money in Tonga with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT £213.101 GBP = 3.1267 TOP T$18,093.61You pay£6,000.00 | |||
| Wise Pay via Debit card | Fee £230.91 1 GBP = 3.1267 TOP +2.35% vs mid-market | Recipient gets T$18,037.93 Within a week | |
Ways to receive money in Tonga with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT £230.911 GBP = 3.1267 TOP T$18,037.93You pay£6,000.00 | |||
| Wise Pay via Credit card | Fee £337.73 1 GBP = 3.1267 TOP +2.35% vs mid-market | Recipient gets T$17,703.94 Within a week | |
Ways to receive money in Tonga with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:SWIFT £337.731 GBP = 3.1267 TOP T$17,703.94You pay£6,000.00 | |||
| Xe Pay via Debit card | Fee £0.00 1 GBP = 2.9106 TOP +9.50% vs mid-market | Recipient gets T$17,463.60 Minutes - 24 hours | |
Ways to receive money in Tonga with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 2.9106 TOP T$17,463.60You pay£6,000.00 | |||
| Xe Pay via Bank transfer | Fee £0.00 1 GBP = 2.9106 TOP +9.50% vs mid-market | Recipient gets T$17,463.60 Minutes - 24 hours | |
Ways to receive money in Tonga with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 2.9106 TOP T$17,463.60You pay£6,000.00 | |||
| Xe Pay via Credit card | Fee £0.00 1 GBP = 2.9106 TOP +9.50% vs mid-market | Recipient gets T$17,463.60 Minutes - 24 hours | |
Ways to receive money in Tonga with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 2.9106 TOP T$17,463.60You pay£6,000.00 | |||
| How Our Results Work Mid-market rate: 1 GBP = 3.2010 TOP Updates every 60 minutes. | |||
Transfer details
For a one-off GBP transfer to Tonga, I suggest picking the cheapest option which is Regency FX.
Regency FX was the cheapest on 30 of the 30 days it quoted £6,000 transfers to Tonga.
On a 6,000 GBP transfer, Regency FX delivers the most TOP.
The best option will change depending on how much you actually send, so I suggest to get the best GBP/TOP rate.
You have 3 ways to pay, including bank transfer, debit card, and credit card.
Paying from your bank is usually both cheapest and quickest, since most companies connect straight into your banking app via Open Banking.
Anywhere a debit card works, Apple Pay and Google Pay usually do too.
First time round you'll need to confirm your name, date of birth, address and a photo ID.
On a £6,000 transfer it's normally instant but can take a couple of hours.
How much GBP 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 Regency FX was the cheapest in 100% of the transfers from £6,000 it quoted, and in 100% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| £500 | 0.65% | £0.00 | T$1,590.12with bank transfer to bank deposit | +T$102.99 | |
| £1,000 | 0.65% | £0.00 | T$3,177.51with bank transfer to bank deposit | +T$212.77 | |
| £2,000 | 0.65% | £0.00 | T$6,351.56with bank transfer to bank deposit | +T$429.33 | |
| £6,000This page | 0.27% | £0.00 | T$19,154.41with bank transfer to bank deposit | +T$1,071.60 | |
| £10,000 | 0.27% | £0.00 | T$31,918.69with bank transfer to bank deposit | +T$1,779.33 | |
| £50,000 | 0.25% | £0.00 | T$159,461.15with bank transfer to bank deposit | +T$8,402.21 | |
| £250,000 | 0.20% | £0.00 | T$797,807.44with bank transfer to bank deposit | +T$42,602.20 |
Mid-market rate: 1 GBP = 3.2010 TOP
The cheapest way to send GBP 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 Regency FX), across 30 days of comparisons for 6,000 GBP transfers to Tonga.
Wed, 28 Oct 2026Mid-market rateT$19,206.26 Regency FX T$19,154.41Regency FXT$19,154.41OFXT$19,110.23MoneyGramT$18,140.40
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1864 | – | T$19,118.44 | |
| | 3.1778 | £0.00 | T$19,066.82 | −T$51.62 |
| | 3.1705 | £0.00 | T$19,022.84 | −T$95.60 |
| | 3.0119 | £0.00 | T$18,071.40 | −T$1,047.04 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1950 | – | T$19,170.19 | |
| | 3.1864 | £0.00 | T$19,118.43 | −T$51.76 |
| | 3.1791 | £0.00 | T$19,074.34 | −T$95.85 |
| | 3.0092 | £0.00 | T$18,055.20 | −T$1,114.99 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1866 | – | T$19,119.70 | |
| | 3.1780 | £0.00 | T$19,068.08 | −T$51.62 |
| | 3.1707 | £0.00 | T$19,024.10 | −T$95.60 |
| | 3.0263 | £0.00 | T$18,157.80 | −T$961.90 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1805 | – | T$19,083.08 | |
| | 3.1719 | £0.00 | T$19,031.55 | −T$51.53 |
| | 3.1646 | £0.00 | T$18,987.66 | −T$95.42 |
| | 3.0116 | £0.00 | T$18,069.60 | −T$1,013.48 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1886 | – | T$19,131.58 | |
| | 3.1800 | £0.00 | T$19,079.92 | −T$51.66 |
| | 3.1727 | £0.00 | T$19,035.92 | −T$95.66 |
| | 3.0144 | £0.00 | T$18,086.40 | −T$1,045.18 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1808 | – | T$19,084.63 | |
| | 3.1722 | £0.00 | T$19,033.10 | −T$51.53 |
| | 3.1649 | £0.00 | T$18,989.20 | −T$95.43 |
| | 3.0144 | £0.00 | T$18,086.40 | −T$998.23 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1840 | – | T$19,104.02 | |
| | 3.1754 | £0.00 | T$19,052.44 | −T$51.58 |
| | 3.1681 | £0.00 | T$19,008.50 | −T$95.52 |
| | 3.0116 | £0.00 | T$18,069.60 | −T$1,034.42 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1857 | – | T$19,114.39 | |
| | 3.1771 | £0.00 | T$19,062.78 | −T$51.61 |
| | 3.1698 | £0.00 | T$19,018.81 | −T$95.58 |
| | 3.0166 | £0.00 | T$18,099.60 | −T$1,014.79 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1893 | – | T$19,135.78 | |
| | 3.1807 | £0.00 | T$19,084.12 | −T$51.66 |
| | 3.1734 | £0.00 | T$19,040.10 | −T$95.68 |
| | 3.0152 | £0.00 | T$18,091.20 | −T$1,044.58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1785 | – | T$19,071.24 | |
| | 3.1700 | £0.00 | T$19,019.75 | −T$51.49 |
| | 3.1626 | £0.00 | T$18,975.88 | −T$95.36 |
| | 3.0154 | £0.00 | T$18,092.40 | −T$978.84 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1877 | – | T$19,126.28 | |
| | 3.1791 | £0.00 | T$19,074.64 | −T$51.64 |
| | 3.1718 | £0.00 | T$19,030.65 | −T$95.63 |
| | 3.0084 | £0.00 | T$18,050.40 | −T$1,075.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1882 | – | T$19,129.41 | |
| | 3.1796 | £0.00 | T$19,077.76 | −T$51.65 |
| | 3.1723 | £0.00 | T$19,033.76 | −T$95.65 |
| | 3.0197 | £0.00 | T$18,118.20 | −T$1,011.21 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1882 | – | T$19,129.41 | |
| | 3.1796 | £0.00 | T$19,077.76 | −T$51.65 |
| | 3.1723 | £0.00 | T$19,033.76 | −T$95.65 |
| | 3.0197 | £0.00 | T$18,118.20 | −T$1,011.21 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1880 | – | T$19,128.17 | |
| | 3.1794 | £0.00 | T$19,076.53 | −T$51.64 |
| | 3.1721 | £0.00 | T$19,032.53 | −T$95.64 |
| | 3.0162 | £0.00 | T$18,097.20 | −T$1,030.97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1871 | – | T$19,122.74 | |
| | 3.1785 | £0.00 | T$19,071.11 | −T$51.63 |
| | 3.1712 | £0.00 | T$19,027.12 | −T$95.62 |
| | 3.0184 | £0.00 | T$18,110.40 | −T$1,012.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1671 | – | T$19,002.76 | |
| | 3.1586 | £0.00 | T$18,951.45 | −T$51.31 |
| | 3.1513 | £0.00 | T$18,907.74 | −T$95.02 |
| | 3.0219 | £0.00 | T$18,131.40 | −T$871.36 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.1904 | – | T$19,142.25 | |
| | 3.1818 | £0.00 | T$19,090.57 | −T$51.68 |
| | 3.1744 | £0.00 | T$19,046.54 | −T$95.71 |
| | 3.0261 | £0.00 | T$18,156.60 | −T$985.65 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2075 | – | T$19,244.76 | |
| | 3.1988 | £0.00 | T$19,192.80 | −T$51.96 |
| | 3.1914 | £0.00 | T$19,148.54 | −T$96.22 |
| | 3.0259 | £0.00 | T$18,155.40 | −T$1,089.36 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2015 | – | T$19,208.87 | |
| | 3.1928 | £0.00 | T$19,157.00 | −T$51.87 |
| | 3.1855 | £0.00 | T$19,112.82 | −T$96.05 |
| | 3.0427 | £0.00 | T$18,256.20 | −T$952.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2015 | – | T$19,208.87 | |
| | 3.1928 | £0.00 | T$19,157.00 | −T$51.87 |
| | 3.1855 | £0.00 | T$19,112.82 | −T$96.05 |
| | 3.0427 | £0.00 | T$18,256.20 | −T$952.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2088 | – | T$19,253.10 | |
| | 3.2002 | £0.00 | T$19,201.12 | −T$51.98 |
| | 3.1928 | £0.00 | T$19,156.83 | −T$96.27 |
| | 3.0334 | £0.00 | T$18,200.40 | −T$1,052.70 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2140 | – | T$19,283.93 | |
| | 3.2053 | £0.00 | T$19,231.87 | −T$52.06 |
| | 3.1979 | £0.00 | T$19,187.51 | −T$96.42 |
| | 3.0317 | £0.00 | T$18,190.20 | −T$1,093.73 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2248 | – | T$19,348.89 | |
| | 3.2161 | £0.00 | T$19,296.65 | −T$52.24 |
| | 3.2087 | £0.00 | T$19,252.15 | −T$96.74 |
| | 3.0332 | £0.00 | T$18,199.20 | −T$1,149.69 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2282 | – | T$19,369.22 | |
| | 3.2195 | £0.00 | T$19,316.93 | −T$52.29 |
| | 3.2121 | £0.00 | T$19,272.38 | −T$96.84 |
| | 3.0405 | £0.00 | T$18,243.00 | −T$1,126.22 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2209 | – | T$19,325.33 | |
| | 3.2122 | £0.00 | T$19,273.16 | −T$52.17 |
| | 3.2048 | £0.00 | T$19,228.71 | −T$96.62 |
| | 3.0403 | £0.00 | T$18,241.80 | −T$1,083.53 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2203 | – | T$19,321.55 | |
| | 3.2116 | £0.00 | T$19,269.38 | −T$52.17 |
| | 3.2042 | £0.00 | T$19,224.94 | −T$96.61 |
| | 3.0381 | £0.00 | T$18,228.60 | −T$1,092.95 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2203 | – | T$19,321.55 | |
| | 3.2116 | £0.00 | T$19,269.38 | −T$52.17 |
| | 3.2042 | £0.00 | T$19,224.94 | −T$96.61 |
| | 3.0381 | £0.00 | T$18,228.60 | −T$1,092.95 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2138 | – | T$19,282.52 | |
| | 3.2051 | £0.00 | T$19,230.46 | −T$52.06 |
| | 3.1977 | £0.00 | T$19,186.11 | −T$96.41 |
| | 3.0353 | £0.00 | T$18,211.80 | −T$1,070.72 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2073 | – | T$19,243.99 | |
| | 3.1987 | £0.00 | T$19,192.03 | −T$51.96 |
| | 3.1913 | £0.00 | T$19,147.77 | −T$96.22 |
| | 3.0301 | £0.00 | T$18,180.60 | −T$1,063.39 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 3.2010 | – | T$19,206.26 | |
| | 3.1924 | £0.00 | T$19,154.41 | −T$51.85 |
| | 3.1850 | £0.00 | T$19,110.23 | −T$96.03 |
| | 3.0234 | £0.00 | T$18,140.40 | −T$1,065.86 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 3.2010 | – | T$19,206.26 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
Each line shows what the recipient gets when you send £6,000, after fees, as quoted by each company. The mid-market line shows what £6,000 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 GBP 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 UK.
Right now, Regency FX pays 19,154.41 TOP on 6,000 GBP, which is 51.85 TOP less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 19,316.93 TOP.
If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Tonga.
We've tracked 196 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.
Cheapest every time
Cheapest in 43% of them
Never the cheapest
Based on 49 comparisons across 7 amounts over the last 7 days.
Cheapest every time
Cheapest in 46% of them
Never the cheapest
Based on 196 comparisons across 7 amounts over the last 30 days.
Cheapest every time
Cheapest in 47% of them
Never the cheapest
Based on 255 comparisons across 7 amounts over the last 90 days.
Different companies can come out cheapest depending on the day and the amount you send.
To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Regency FX is the cheapest and gets you the most TOP, and it was also the cheapest in 100% of the 106 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Tonga.
OFX (today's second cheapest) was the cheapest in only 46% of its comparisons, so it's rarely the cheapest option for transfers to Tonga.
There are many ways to send money to Tonga from the UK, including broker, online, app, in person, multi-currency account, and global account, and more.
For small & frequent transfers
If you send small amounts back home to Tonga, say weekly or monthly, an app like MoneyGram is the easiest and cheapest way to do it.
It charges £0 in fees, has 5.71% markup, lets you save recipient details, and TOP will arrive in minutes.
Over the past month, MoneyGram was the cheapest app on 90% of the days it appeared for £6,000 transfers.
For one off transfers
Sending money online is good for occasional medium sized TOP transfers, around £1,000 - £5,000.
Online companies like MoneyGram often have higher limits and/or first time promos.
Of the 5 companies we compared, MoneyGram is the cheapest online service and will get you T$18,140.4 on a £6,000 transfer.
In our comparisons over the past month, it was the cheapest online service on 27 of the 30 days it quoted.
For large transfers
Currency brokers like Regency FX are the best for £10,000+ transfers (things like house deposits, education fees, relocation, etc.).
You get a dedicated account manager to handle your transfer to Tonga, and 24/7 support.
Regency FX charges no fees on large transfers, but adds 0.27% markup on top of the current GBP/TOP rate.
The markup gets better the more GBP you send, so we suggest .
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from £6,000 it quoted.
For fast money transfers
Sending cash is the fastest way to send money from the UK to Tonga, but is usually a bit more expensive.
You will need to deposit £6,000 online via MoneyGram, and your recipient in Tonga will be able to collect T$18,140.4 in minutes.
Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.
For spending and receiving
Multi-currency accounts let you hold and spend Pa’anga abroad like a local.
Wise offers the best multi-currency account.
With it, converting £6,000 to TOP will get you T$18,093.61 after fees.
If you don’t have TOP in your account, your GBP will auto-convert whenever you pay with Wise in Tonga.
Once you have TOP in the account, there are no extra fees from Wise for spending or holding it (local ATM charges may still apply).
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
For business transfers
Global accounts are for UK businesses making payments overseas.
For suppliers, freelancers, salaries, or invoices in Tonga, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.
Pay-in and pay-out methods will affect how much GBP you deposit and how much TOP your recipient gets. Use the table below to see how different options change how much you pay and what they get.
The overall best and cheapest way to send £6,000 to Tonga is via Regency FX, using a bank transfer to deposit GBP and bank deposit to receive TOP.
You have 3 pay-in options for transfers to Tonga, including bank transfer, debit card, and credit card.
The cheapest pay-in option is bank transfer.
The fastest option in the UK is almost always bank transfer, since most companies use Open Banking and Faster Payments System (FPS).
The most expensive deposit option is credit card.
Be careful with credit card deposits, since your bank often treats it as a cash advance and will charge interest.
Money can reach Tonga by bank deposit, mobile wallet, and cash pickup, and each delivery method comes with its own fees.
The cheapest way to receive money in Tonga is with bank deposit on average.
Receiving cash
MoneyGram is the cheapest option for cash pickup (getting you T$18,140.4 on a £6,000 transfer).
Mobile wallets
You can receive TOP into a mobile wallet, which is useful since they don't need a bank account.
You pay £6,000.00
T$19,154
Cheapest
You pay £6,000.00
T$18,140
-T$1,014
You pay £6,000.00
T$18,140
-T$1,015
You pay £6,000.00
T$18,140
-T$1,015
You pay £6,000.00
T$18,038
-T$1,116
You pay £6,004.99
T$17,811
-T$1,343
You pay £6,004.99
T$17,810
-T$1,344
You pay £6,004.99
T$17,810
-T$1,344
You pay £6,000.00
T$17,704
-T$1,450
There are a few nuances you should consider before sending GBP to Tonga such as limits, taxes, and safety.
Right now, these are the best money transfer options for a £6,000 transfer to Tonga:
Cheapest way to send money to Tonga
The cheapest way is to use Regency FX, pay in with a bank transfer and withdraw via bank deposit. You will get T$19,154.41, which is 0.23% more than the next best option.
Fastest way to send money to Tonga
The fastest way is to use Regency FX via bank transfer deposit and bank deposit for pay out. You get T$19,154.41 and it will arrive in minutes - 24 hours.
There is no legal limit and no tax on sending your own money abroad.
Main hard limits come from your bank or money transfer company, often around £10,000 to £25,000 online (which you can usually increase in the app).
Also, the "£10,000 declaration" only applies to physically carrying cash through the border, not online transfers.
And on bigger GBP/TOP transfers (roughly £10,000 up) expect a source-of-funds check, such as a payslip or a statement.
These are anti-money-laundering checks, and they can hold your transfer up, so have the documents ready.
Your cost is the fee plus the exchange-rate margin.
For example, sending £6,000 with Regency FX will get you 19,154.41 TOP, that’s including £0 fee and 0.27% in exchange rate markup.
A bank like on the other hand, will get you T$0, that’s £ in fees but % in FX fees.
There is no UK tax for the act of sending money to Tonga.
And, regular gifts out of your normal income are free of inheritance tax straight away, no cap and no seven-year wait.
Only ever use a provider authorised by the FCA, which you can check on the FCA register in under a minute.
The rules in place for any scams cover domestic pound transfers only, on a transfer abroad you're less protected.
Always confirm who you're really sending to before you send, because there's little recourse after.
For more information, check our guide to money transfer regulations in the UK.
We track 5 regulated companies offering money transfers from the UK to Tonga in real time.
We analyse the fees, exchange rates, deposit/withdrawal methods, and each goes through our internal review.
Most GBP/TOP pricing data comes directly from the providers. We collect the rest manually, run it through our comparison engine and label it in the table.
In the past 30 days alone, we analysed 196 comparisons across 7 amounts.
This page covers the cheapest and fastest options for GBP/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.
More on how we work:
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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