How to send money to Tonga from Japan with the best JPY-TOP rate

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

Right now, for JPY/TOP

• Wise is our top pick for sending JPY to TOP. Sending 1,000,000 JPY to Pa’anga will cost you ¥16592 in fees, and you will receive 14,402.31 TOP. The delivery time is within a week.

• Cheapest way to send money to Tonga from Japan is with OFX. The cost is made up of a fee of 0 JPY and an exchange rate for buying Pa’anga with Yen that is 0.5% different to the mid-market rate.

• Fastest way to transfer money from Japan to Tonga is with OFX

Our analysis included 3 providers that operate between Japan and Tonga.

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

The exchange rate determines how many JPY the recipient will get in Tonga when you send Yen.

Today, the average exchange rate between Yen and Pa’anga is 0.0149. The company offering the best exchange rate is OFX.

The JPY-TOP rate fluctuates constantly, so timing your transfer to Tonga can help you save a lot of money.

The total cost of sending money to Tonga from Japan is a mix of the mid-market, exchange rates and transfer fees.

• The Mid-Market and Exchange Rates: The mid-market for JPY-TOP is 0.0149 TOP per Yen.

• Fees: When sending money there may be additional fees. OFX offers the lowest fee of the 3 providers tested, costing 0 JPY per transfer (based on ¥1,000,000 transferred).

• Amount Received: When comparing providers, the best measure is the amount of Pa’anga eventually received in Tonga.

Sometimes, waiting a day or two can help you get more TOP for the same amount of JPY. You can also opt for a forward contract to lock in rates between Japan and Tonga.

A bank transfer is the most cost effective option for sending money from Japan to Tonga.

Here are all the ways to send money from Japan to Tonga:

Bank transfers

The default option for sending money from Japan to Tonga is often a bank transfer.

Using a money transfer company, such as OFX for transfers from Japan to Tonga, allows for sending via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


Debit and prepaid cards

Sending money from Japan to Tonga with a prepaid or debit card is easy with .


is a leader in accepting card payments for transfers between Japan and Tonga.

Credit cards

When it comes to international credit card transfers from Japan to Tonga, we recommend comparing your options to get the best deal.

Always choose providers that are regulated by financial authorities to ensure funds are safe when transferring from Japan to Tonga.

If you don’t know what the key regulatory bodies for money transfers are between Japan and Tonga, please refer to our directory of financial regulators worldwide.

Some services have limits on how much you can transfer from Japan to Tonga. This applies when receiving money in Tonga as well.

Different companies will offer different rates or lower fees for different transfer amounts.

For example, we recommend using Wise if you need to send large amounts of JPY to Tonga.

This being said, always check with the recipient and understand any declarations needed on large amounts of money leaving Japan, or entering Tonga.

There are different ways to receive money in Tonga. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account.

If you (or the recipient) want a direct transfer to your bank account, Wise is the best money transfer company for bank transfers between Japan and Tonga.

And if you need cash right away, check if cash pickup is an option for transfers between Japan and Tonga.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like OFX.

When you're sending or receiving money between Japan and Tonga, you have to be ready to show some ID.

The exact documents you need might vary. Usually in Japan this will be a government ID like a passport or driver's license. This will be similar if you need to open an account or collect cash in Tonga.

If you're making a big transaction between Japan and Tonga, a provider may ask you for proof of address or may want to know where your money comes from.

Wise is a great option for sending from Japan as the sign up process is pretty straightforward, even for larger transactions.

When sending large amounts of money between Japan to Tonga there will be tax implications to consider.

Some JPY-TOP transfers may need to be reported to tax authorities, particularly where inheritance or property sales are involved.

Tax limits and personal allowances differ in Tonga based on age, income and a few other elements. When in doubt, please contact a tax professional in Japan or Tonga to discuss your personal circumstances.