How to send money to Tonga from the US with the best USD-TOP rate
We compared 5 companies sending money from the United States to Tonga. Regency FX is the best and cheapest, while Regency FX is the fastest.
Sending $7,000 with Regency FX gets your recipient 16,808.81 TOP at 2.4013 TOP per USD.
Best companies for USD/TOP transfers
5 of 5 providers
Last updated on 10 November 2026i
This page updates weekly. We collect, store, and analyze USD/TOP exchange rates from our comparisons.
Based on 7,000 USD transfer
Best companies for USD/TOP transfers
All money transfer offers for USD/TOP transfers, sorted by most TOP received. The first two offers may be sponsored promotions. Some offers here pay us a commission.
Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Tonga with Xe when paying by bank transfer.
MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 2.1823 TOP
T$15,276.10You pay$7,000.00
Run a live search
Showing top United States to Tonga deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Tonga.
Run a live search
These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Mid-market rate: 1 USD = 2.4078 TOPUpdates every 60 minutes.
Transfer details
How to send money from US to Tonga
Pick a company
If you're sending a one-off transfer, then Regency FX is the best option.
Regency FX was the cheapest on 30 of the 30 days it quoted $7,000 transfers to Tonga.
For recurring transfers, I'd suggest using an app like MoneyGram or a multi-currency account.
For large transfers, a broker like Regency FX is the best option.
If your recipient needs cash, MoneyGram is the cheapest.
How much you send will affect the best option for you right now.
Pay for it
You have 4 ways to pay for your transfer to Tonga, including bank transfer, debit card, credit card, and cash deposit.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
Check and send
First time round you'll need to confirm who you are.
An SSN isn't required, an ITIN or a foreign passport works with most companies here.
Compare amounts
How much USD are you sending to Tonga?
How much USD 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 $5,000 it quoted, and in 100% of all the transfers it quoted.
How much more the cheapest provider gets you than the average of all providers we compared at this amount.
Cheapest service
$500
0.65%
$0.00
T$1,196.05with bank transfer to bank deposit
+T$101.36
$2,000
0.65%
$0.00
T$4,784.22with bank transfer to bank deposit
+T$323.04
$5,000
0.50%
$0.00
T$11,978.61with bank transfer to bank deposit
+T$678.31
$7,000This page
0.27%
$0.00
T$16,808.81with bank transfer to bank deposit
+T$807.24
$10,000
0.27%
$0.00
T$24,012.59with bank transfer to bank deposit
+T$1,151.89
$50,000
0.25%
$0.00
T$120,087.03with bank transfer to bank deposit
+T$5,768.89
$100,000
0.20%
$0.00
T$240,294.45with bank transfer to bank deposit
+T$11,643.07
$250,000
0.20%
$0.00
T$600,736.12with bank transfer to bank deposit
+T$29,103.08
Mid-market rate: 1 USD = 2.4078 TOP
USD/TOP Exchange Rate History
Is today a good time to send money from US to Tonga?
The cheapest way to send USD 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 7,000 USD transfers to Tonga.
Show on chart
TOP received for $7,000, after fees
Tue, Nov 10, 2026Mid-market rateT$16,854.32Regency FXT$16,808.81Regency FXT$16,808.81OFXT$16,770.05MoneyGramT$16,335.90
16,200
16,300
16,400
16,500
16,600
16,700
16,800
16,900
At the mid-market rateWith the cheapest optionRegency FXOFXMoneyGram
Nov 4Nov 5Nov 6Nov 7Nov 8Nov 9Nov 10
16,200
16,300
16,400
16,500
16,600
16,700
16,800
16,900
At the mid-market rateWith the cheapest optionRegency FXOFXMoneyGram
Oct 12Oct 22Oct 31Nov 10
15,800
16,000
16,200
16,400
16,600
16,800
17,000
At the mid-market rateWith the cheapest optionRegency FXOFXMoneyGram
Aug 13Sep 12Oct 11Nov 10
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3298
$1.99
T$16,308.60
−T$545.72
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3325
$0.99
T$16,327.50
−T$526.82
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3298
$1.99
T$16,308.60
−T$545.72
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3325
$0.99
T$16,327.50
−T$526.82
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3336
$0.99
T$16,335.20
−T$519.12
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3337
$0.99
T$16,335.90
−T$518.42
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3337
$0.99
T$16,335.90
−T$518.42
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3266
$0.99
T$16,286.20
−T$568.12
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3265
$0.99
T$16,285.50
−T$568.82
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3232
$0.99
T$16,262.40
−T$591.92
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3211
$0.99
T$16,247.70
−T$606.62
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3221
$0.99
T$16,254.70
−T$599.62
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3222
$0.99
T$16,255.40
−T$598.92
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3222
$0.99
T$16,255.40
−T$598.92
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3200
$0.99
T$16,240.00
−T$614.32
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3221
$0.99
T$16,254.70
−T$599.62
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3222
$0.99
T$16,255.40
−T$598.92
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3244
$0.99
T$16,270.80
−T$583.52
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3254
$0.99
T$16,277.80
−T$576.52
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3254
$0.99
T$16,277.80
−T$576.52
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3254
$0.99
T$16,277.80
−T$576.52
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3254
$0.99
T$16,277.80
−T$576.52
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3287
$0.99
T$16,300.90
−T$553.42
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3303
$0.99
T$16,312.10
−T$542.22
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3282
$0.99
T$16,297.40
−T$556.92
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3331
$0.99
T$16,331.70
−T$522.62
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3331
$0.99
T$16,331.70
−T$522.62
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3331
$0.99
T$16,331.70
−T$522.62
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3403
$1.99
T$16,382.10
−T$472.22
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
2.4078
–
T$16,854.32
Locked-in rate
Regency FXCheapest
2.4013
$0.00
T$16,808.81
−T$45.51
Locked-in rate
OFX
2.3957
$0.00
T$16,770.05
−T$84.27
Locked-in rate
MoneyGram
2.3337
$0.99
T$16,335.90
−T$518.42
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Exchange rate
Fee
Recipient gets
Difference
Mid-market rate
2.4078
–
T$16,854.32
Regency FX
OFX
MoneyGram
Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 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.
Understanding USD/TOP exchange rate
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 USD 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 the US.
Right now, Regency FX pays 16,808.81 TOP on 7,000 USD, which is 45.51 TOP less than the mid-market amount.
Today's payout is the highest in the past month.
Cheapest over time
Picking the cheapest money transfer company
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 240 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Transfer amount
Locked-in rate
Regency FXAppeared in 35 comparisons
Cheapest every time
Locked-in rate
OFXAppeared in 56 comparisons
Cheapest in 38% of them
Locked-in rate
MoneyGramAppeared in 55 comparisons
Never the cheapest
Nov 4Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 56 comparisons across 8 amounts over the last 7 days.
Locked-in rate
Regency FXAppeared in 150 comparisons
Cheapest every time
Locked-in rate
OFXAppeared in 240 comparisons
Cheapest in 38% of them
Locked-in rate
MoneyGramAppeared in 237 comparisons
Never the cheapest
Oct 12Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 240 comparisons across 8 amounts over the last 30 days.
Locked-in rate
Regency FXAppeared in 275 comparisons
Cheapest every time
Locked-in rate
OFXAppeared in 545 comparisons
Cheapest in 50% of them
Locked-in rate
MoneyGramAppeared in 535 comparisons
Never the cheapest
Aug 13Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 545 comparisons across 8 amounts over the last 90 days.
Is the cheapest money transfer company always the best?
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 analyze 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 150 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 38% of its comparisons, so it's rarely the cheapest option for transfers to Tonga.
Ways to send money from the US to Tonga
There are 5 companies available for sending money from the US to Tonga, across currency broker, online, app, in person, multi-currency account, and global business account, and more.
For regular transfers home
Money transfer apps
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
MoneyGram charges $0.99 on a $7,000 transfer with 3.12% markup, saves your recipient's details for next time, and TOP arrives in minutes - 24 hours.
Over the past month, MoneyGram was the cheapest app on 100% of the days it appeared for $7,000 transfers.
Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.
Sending without a US bank account
Cash & in-person transfers
Paying in cash at an agent can work without a US bank account.
The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.
Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 16,335.90 TOP in minutes - 24 hours.
Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.
However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
Online transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Tonga.
Of all online companies listed here, MoneyGram gets you the most TOP per USD.
On a $7,000 transfer, you will get 16,335.90 TOP after a $0.99 fee and 3.12% markup.
In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.
But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.
For transfers over $10,000
Currency brokers
For large transfers to Tonga (e.g. a property purchase, tuition, or moving to Tonga), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/TOP that gets lower the more you send.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from $5,000 it quoted.
It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).
Business payments from the US
Global accounts
Global accounts are for US businesses paying people abroad.
Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.
Holding & spending currencies
Multi-currency accounts
A multi-currency account like Wise is the best for holding and receiving TOP.
This is useful for traveling to Tonga, building up TOP balance, or receiving payments in TOP.
Wise converts $7,000 at 1.51% markup plus small fee and holds the TOP until you spend it.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
Ways to fund USD and receive TOP in Tonga
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 16,808.81 TOP.
Deposit USD by bank transfer, debit card, credit card, and cash deposit.
The simplest way is to pay from your US checking account
Pay by bank transfer using your routing and account numbers.
An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Tonga.
You can deposit cash
You'll need to visit the nearest MoneyGram branch and hand over $7,000.
MoneyGram is the cheapest option and will get you 16,335.90 TOP on a $7,000 transfer after fees.
Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.
Zelle and Cash App only send money within the US, so neither can send money to Tonga.
Your recipient in Tonga can collect TOP through bank deposit, mobile wallet, and cash pickup.
They can collect cash in Tonga
Your recipient can collect TOP from a participating MoneyGram location in Tonga.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
1
Bank transfer→Bank deposit
You pay $7,000.00
T$16,809
Cheapest
2
Bank transfer→Mobile wallet
You pay $7,001.99
T$16,336
-T$473
3
Debit card→Mobile wallet
You pay $7,000.99
T$16,336
-T$473
4
Credit card→Mobile wallet
You pay $7,210.00
T$16,336
-T$473
5
Cash deposit→Cash pickup
You pay $7,060.79
T$16,192
-T$616
Show moreShow less
6
Bank transfer→Cash pickup
You pay $7,005.99
T$16,114
-T$695
7
Debit card→Cash pickup
You pay $7,075.99
T$16,114
-T$695
8
Credit card→Cash pickup
You pay $7,179.99
T$16,114
-T$695
9
Debit card→Bank deposit
You pay $7,000.00
T$15,200
-T$1,609
10
Credit card→Bank deposit
You pay $7,000.00
T$14,818
-T$1,991
Things to consider before sending USD to Tonga
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
1
Find the right USD/TOP company
Cheapest way to send money to Tonga
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 16,808.81 TOP, which is 0.23% more than the next best option.
Fastest way to send money to Tonga
The fastest option is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 16,808.81 TOP, with the money arriving in minutes - 24 hours.
2
Cash-funded transfers now carry a 1% tax
Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.
Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.
The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.
3
The $10,000 rule is not a transfer limit
There is no federal cap on how much of your own money you can send electronically abroad.
Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.
Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.
Do not split cash transactions to avoid a report.
4
You normally have 30 minutes to cancel
The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.
You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.
You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.
For transfers over $10,000, Regency FX is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Tonga.
While Regency FX may not always be the cheapest or fastest way to send TOP, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
How we analyze the market
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Tonga and the United States.
We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 240 comparisons across 8 amounts.
This page covers the cheapest and fastest options for USD/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.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
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