Tonga has one of the highest remittance-to-GDP ratios in the world, with money sent from Tongan communities in Australia and New Zealand playing a vital role in supporting families back home. OrbitRemit makes it straightforward to send money from Australia or New Zealand to Tonga — by bank deposit or directly to a Digicel Pacific MyCash mobile wallet — for just $4 per transaction.
Delivery options
OrbitRemit supports two ways for your recipient to receive money in Tonga:
- Bank deposit: Funds are deposited directly into your recipient’s Tongan bank account. Supported banks include ANZ, Westpac and Bank of South Pacific, along with other financial institutions across Tonga.
- Digicel Pacific MyCash wallet: Funds are delivered directly to your recipient’s MyCash mobile wallet using their registered mobile number, giving them quick and convenient access to their money.
You will see both options at checkout when setting up your transfer.
Fees
Sending TOP from Australia or New Zealand with OrbitRemit costs just $4 per transaction — for both bank deposit and MyCash wallet transfers.
Transfers of AUD or NZD $10,000 or more are completely fee-free.
All fees and the exchange rate are shown upfront before you confirm. There are no surprises and no deduction at the receiving end.
Fees and exchange rates are subject to change. Check orbitremit.com/tonga for current rates before sending.
Transfer limits
Transfer limits apply to Tonga transfers. Check orbitremit.com/tonga for the current maximum per transaction.
Limits are subject to change and may be affected by account verification and compliance checks.
How to send money to Tonga
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Log in and start a transfer
Log in to your OrbitRemit account at orbitremit.com or open the OrbitRemit app. If this is your first transfer, create a free account and complete identity verification.
Select TOP (Tongan Paʻanga) as the receiving currency and enter the amount you want to send in AUD or NZD.
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Choose your delivery method
Select either Bank transfer or Digicel Pacific MyCash wallet as the delivery method.
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Enter your recipient’s details
For bank transfers, enter your recipient’s name and Tongan bank account details.
For MyCash wallet transfers, enter your recipient’s name and their MyCash-registered mobile number.
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Pay for your transfer
Debit card, Apple Pay, Google Pay: Fastest option
PayID (AU): A few minutes
POLi (NZ): A few minutes
Bank transfer: Within the same working dayReview the guaranteed exchange rate and fees shown, then tap Make Transfer to confirm.
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Your recipient receives the funds
Once OrbitRemit receives your payment, funds are processed and delivered to your recipient’s Tongan bank account or MyCash wallet within 1 working day. There is no deduction at the receiving end — your recipient receives the full TOP amount shown at the time you confirmed the transfer.
Transfer speed
Transfers to Tonga are completed within 1 working day. Transfers sent on weekends or public holidays may arrive later, as local banks and payout partners operate on standard hours. The estimated delivery time is always shown before you confirm.
FAQ’s (Frequently asked questions)
How much does it cost to send money to Tonga?
OrbitRemit charges just $4 per transaction for transfers to Tonga from Australia or New Zealand — for both bank deposit and MyCash wallet transfers. Transfers of AUD or NZD $10,000 or more are completely fee-free.
Which banks are supported in Tonga?
OrbitRemit supports bank deposit to ANZ, Westpac and Bank of South Pacific, along with other financial institutions across Tonga.
Can I send to a Digicel Pacific MyCash wallet in Tonga?
Yes. OrbitRemit supports direct delivery to Digicel Pacific MyCash mobile wallets in Tonga. You just need your recipient’s name and their MyCash-registered mobile number.
How long does a transfer to Tonga take?
Transfers are completed within 1 working day. Weekend and public holiday transfers may take longer. The estimated delivery time is shown before you confirm.
What is the maximum I can send to Tonga?
You can send up to $25,000 per transaction to Tonga with OrbitRemit. If you need to send more, you will need to split your transfer into multiple transactions.
Is there a deduction at the receiving end?
No. Your recipient receives the full TOP payout amount shown at the time of transfer. There are no receiving fees or deductions.
Is it safe to send money to Tonga with OrbitRemit?
Yes. OrbitRemit is regulated by ASIC in Australia (AFSL: 470646) and supervised by the DIA in New Zealand (FSP7721). All customer funds are held in segregated client accounts in accordance with regulatory requirements.
Send money to Tonga with OrbitRemit
OrbitRemit makes it simple to send money to Tonga from Australia and New Zealand — to a Tongan bank account or directly to a Digicel Pacific MyCash wallet. At just $4 per transfer, it is one of the most affordable ways to send money to Tonga.
- Bank deposit to ANZ, Westpac, Bank of South Pacific and more
- Digicel Pacific MyCash wallet delivery supported
- Just $4 per transaction (fee-free above AUD or NZD $10,000)
- No deduction at the receiving end
- Completed within 1 working day
- Send up to $25,000 per transaction
- Regulated by ASIC in Australia (AFSL: 470646) | DIA-supervised in New Zealand (FSP7721)
- Rated Excellent on Trustpilot from over 33,000 reviews
This guide is based on OrbitRemit’s current service documentation. Fees, transfer limits and processes are subject to change. For the most current information visit orbitremit.com/tonga and support.orbitremit.com. Last updated June 2026.
Source: orbitremit.com/tonga
