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How to send money to Tonga from US with the best USD-TOP rate

Compare the best deals on transfers from the United States to Tonga. Explore the cheapest, fastest, and most reliable providers with the best USD to TOP exchange rates.

Read on for the insights and in-depth analysis, and all you need to send money to Tonga from United States.

Transferring the other way? Send TOP from Tonga to United States instead.
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July 4th, 2025
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Best money transfer companies

Send money from United States to Tonga

Last updated: Today
Mid-market rate as of 07/04/2025: 1 USD = 2.342098 TOP
Results below are based on a 7000 USD search
0 of 6 providers
Sponsored
Wise
Recipient gets (TOP)
T$16,272.15
Full transfer details
Visit Wise
T$369 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$15,484.00
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$16,272.15
Full transfer details
Visit Wise
T$369 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$15,823.50
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
3
Remitly
Recipient gets (TOP)
T$15,532.30
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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
4
Xe
Recipient gets (TOP)
T$15,484.00
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
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$16,312.81
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • PayPal
    PayPal
    Recipient gets (TOP)
    T$15,093.60
    Not recommended
Sponsored
Wise
Recipient gets (TOP)
T$16,272.15
Full transfer details
Visit Wise
T$369 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$15,484.00
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

Overall best way: Wise

Wise is our recommended company for transferring US Dollar to Tonga.

We tested & reviewed 6 transfer providers, and Wise scored highly.

Sending 7,000 USD to TOP will cost you $60.74 in fees, and you will get 16,272.15 TOP. The delivery time is within a week, but it depends on the day you make the transfer.

So for a great mix of cost, speed & features, make your United States to Tonga transfer using Wise.

Wise is the top rated company for sending money from United States (USD) to Tonga (TOP) - Wise Screenshot

How to compare deals on your United States to Tonga transfer

Summary of recent searches

Top rated for transfers from United States to Tonga
Wise
Total number of US - TO providers
6
Average cheapest fees & rate
Revolut
Average fastest transfer
OFX
Average transfer time
Within minutes
Best for bank transfers
Revolut
Best for debit card
Xe

Considerations for sending money from United States to Tonga

1
Compare providers

Always compare ways to send money from the United States to Tonga to get the best options for fees, speed, and reliability.

Our analysis included 6 providers that operate between United States and Tonga.

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

2
Track the US Dollar-Pa’anga exchange rate
3
Choose the right payment method
4
Use regulated providers
5
Consider transfer limits
6
How to receive money in Tonga
7
Have your ID ready
8
Don't forget about taxes

Cheapest way to send money to Tonga from the United States: Revolut

Revolut offers the cheapest combination of low fees and competitive exchange rates of the 6 providers we compared.

They offer a fee of 21 USD and exchange rate between USD-TOP that is 0.2% different to the mid-market rate.

In comparison, Revolut is 0.25% cheaper than the second-best option.

To secure affordable and great rates on a USD to Tonga transfer, Revolut is our recommended choice.

Revolut is the cheapest way to send money from United States (USD) to Tonga (TOP) - Revolut Screenshot 1
Revolut is the cheapest way to send money from United States (USD) to Tonga (TOP) - Revolut Screenshot 2
Revolut is the cheapest way to send money from United States (USD) to Tonga (TOP) - Revolut Screenshot 3

Fastest way to send money to Tonga from the United States: OFX

We compared 6 companies and found OFX offers the fastest money transfers between the United States and Tonga.

The transfer time is minutes - 24 hours with OFX for a $7,000 transfer, but it will depend on the time, day of the week, and the amount you send.

A USD-Pa’anga transfer through OFX comes with a 0 USD fee (based on a $7,000 transfer).

To ensure OFX was the 'fastest' option we compared 6 providers. This comparison was for overall speed of sending money from the United States to Tonga and is a combination of depositing US Dollar, transfer times to Tonga and withdrawal timeframes where applicable.

When speed is a priority, OFX is the top choice for sending into Tonga from the United States.

OFX is the fastest way to send money from United States (USD) to Tonga (TOP) - OFX Screenshot

Transfer a large sum of money

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

From
6 money transfer companies compared, Wise is the best option for large transfers from the United States to Tonga.

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

Understanding the cost of transferring money from United States to Tonga

The total cost of money transfers from United States to Tonga is a combination of fees and exchange rates. Get the best of both, and you will be getting a good deal.

The Mid-Market and Exchange Rates: The mid-market rate for USD-TOP is currently 2.3421 TOP per US Dollar. Providers offering services closer to this rate will ensure more Pa’anga for your US Dollars.

  • To give a historic average, over the last 7 days the USD-TOP mid-market rate has been 2.3421 TOP per US Dollar, this has had a high of 2.3421 and a low of 2.3421.

  • From the 6 companies compared, Wise offers the best exchange rate on transfers to Tonga and the United States.

  • Generally, the exchange rate you receive on converting USD to TOP will be the biggest factor impacting the cost of sending US Dollars to Tonga.

Fees: Transfer fees are charged alongside a transfer. The company offering the lowest fee is Revolut, just 21 USD per transfer. In all cases, we recommend searching for your exact send amount as fees may change.

Amount Received: Money transfer companies will show you the amount eventually received in Pa’anga. Simply, the higher the amount received in the United States, the lower the cost of sending from Tonga.

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

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

Mid-market Rate
1 
=
2.342104 
TOP

Let's dive into some interesting recent trends.

  • In the last 7 days, the exchange rate from USD to TOP has seen some fluctuation. On average, it stood at 2.3421.

  • During this period, the highest value recorded was 2.3421, while the lowest was 2.3421.

  • Wise, which is our recommended service to send money online from United States to Tonga offers 2.3449 TOP per USD which is only -0.12% above the mid-market rate.

Want to secure the best USD-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 United States to Tonga!

United States to
Tonga money transfer payment methods

  • Bank transfers

    Bank transfers are often the best payment method for money transfers from the United States to Tonga.

    A money transfer company like Revolut offer bank transfers between the United States and Tonga with lower fees and better exchange rates than you would get from a traditional bank. 


    On average, Revolut is the cheapest provider for bank transfers of the 6 we tested when sending USD to Tonga.

    Revolut has a fee of 21 USD for money transfersfrom the United States to Tonga. Overall, they offer a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from the United States to Tonga with a debit or a prepaid card is very simple with Xe.


    Xe is a leader in debit card payments for transfers from the United States to Tonga, competing among a total of 6 active money transfer companies on this route.

  • Credit cards


    We recommend avoiding credit cards where possible due to a lack of support and high fees.

    If you have to use a credit card, we recommend comparing your options to find the company with the lowest fees.

    Fee alert: using a credit card to transfer money can result in a fee being charged by your card issuer as it is considered as a cash advance. That's why we recommend bank transfer or debit card instead.

How we analyze the market

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


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 United States to Tonga.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send USD 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

How much money can be transferred from United States to Tonga?
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Can I send money from United States to Tonga with MoneyTransfers.com?
What are the typical transfer fees for sending US Dollars to Tonga through various providers?
How long does it take to send money from United States to Tonga?
What is the best exchange rate I can get for sending money from United States to Tonga?
Are there any minimum or maximum transfer amounts for sending money from United States to Tonga?
Can I schedule regular transfers between United States 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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