Papua New GuineaPGKPapua New Guinean Kina
Papua New Guinea's currency is the kina, and the name is quite literal: kina and toea are shells that circulated as money for centuries on the coast and in the mountains. The legacy is still felt today: the country operates on cash, the banking network is concentrated in Port Moresby and a few cities, so the method of receiving funds is determined before payment.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the kina (PGK), which is divided into 100 toea. The names of both monetary units are linked to traditional shell money: kina is named after the pearl shell, and toea after shell ornaments that were used in exchange long before modern banknotes and coins appeared. Papua New Guinea is distinguished by exceptional linguistic diversity: the country has more than 800 languages, more than any other country in the world. Among the official languages are English, Tok Pisin, and Hiri Motu; banking documents and international payment details are usually issued in English and Latin characters. A practical feature of this direction is limited banking infrastructure outside major cities. The main banking centers are Port Moresby and Lae; in mountainous and remote provinces there are significantly fewer branches, and cash still plays an important role in everyday transactions. IBAN format is not used in Papua New Guinea: for international SWIFT transfers, you typically need the bank's SWIFT/BIC code, account number, and recipient's full name.
Papua New Guinea has not imposed its own sanctions against Russia; however, any specific transfer depends on the receiving bank, the correspondent chain, and standard AML/KYC checks. Most of the country operates in UTC+10 time zone, which is 7 hours ahead of Moscow. ATM24 checks the available route in advance before confirming the application. The timeframe for international SWIFT transfers is 2–5 business days. ATM24 commission is from 0.9%.
Card networks operate in cities, rarely elsewhere. You need the card number and cardholder's name in Latin characters. The funds are credited in kina, the amount is visible in the application before payment. Whether the specific bank's card is suitable is determined in advance
IBAN format does not exist: the recipient is found using the SWIFT code and account number. Name and bank name are taken from the recipient's banking documents. There are hundreds of languages in the country, but communication with banks is in English. The route to the bank is verified before sending money
Cash kina distribution in cities where bank branches operate. Main locations are Port Moresby and Lae. In mountainous provinces there are few branches, and the journey to the city takes time. How much can be withdrawn at once is clarified during application
For Papua New Guinea you need the recipient bank's SWIFT code, account number, and name in Latin characters; IBAN format does not exist in the country. The country has not imposed sanctions against Russia. When planning a transfer, keep in mind the geography: banks operate in Port Moresby and several major cities, but the country is vast and difficult to traverse, so the pickup point is agreed upon in advance.
We accept RUB, USD, EUR and USDT — we pay out in PGK
RUB PGK
0.03873per 1 RUB
10 000 ₽ = 387 PGKUSD PGK
3.47per 1 USD
100 $ = 347 PGKEUR PGK
3.94per 1 EUR
100 € = 394 PGKUSDT PGK
3.47per 1 USDT
100 USDT = 347 PGK| You send | Payout in PGK |
|---|---|
| 100 USDT | 347 PGK |
| 300 USDT | 1 042 PGK |
| 500 USDT | 1 736 PGK |
| 1 000 USDT | 3 472 PGK |
| 5 000 USDT | 17 360 PGK |
Where recipients usually get the money in Papua New Guinea
BSP Financial Group PNG — a financial group or banking holding company whose services may include banking, payments, and corporate accounts.
ANZ PNG — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Kina Bank PNG — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Westpac PNG — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
MiBank PNG — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
The national currency is the kina (PGK), which is divided into 100 toea.
Card systems
Visa and Mastercard are accepted in Port Moresby and major cities. Bank South Pacific (BSP) is the largest card-issuing bank. MiBank and Mama Money are mobile wallets. Most of the population lacks access to banking services.
Payment applications
Most of the country operates in UTC+10 time zone and is 7 hours ahead of Moscow.
Interbank transfers
IBAN format is not used: for international transfers, the bank's SWIFT/BIC code and account number are used.
Financial regulator
Bank of Papua New Guinea (BPNG) is the central bank and primary financial regulator of the country; located in Port Moresby. BPNG regulates banks, non-bank financial institutions, and payment systems. Papua New Guinea has not imposed sanctions against Russia.
Features for ATM24
Papua New Guinea has not imposed its own sanctions against Russia.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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We've gathered answers about kina and toea, about the country's languages, and how money reaches the recipient.
To send money to Papua New Guinea with payout in PGK through ATM24, start with the recipient's exact route for the Papua New Guinea PGK payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as Kina Bank. Bank-route examples for Papua New Guinea: Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank.
In Papua New Guinea, a PGK transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Papua New Guinea PGK payout route through a bank such as Westpac PNG or Home Bank and confirms whether card payout, account payout, or only one option is available. The sender pays after that route is confirmed. Bank-route examples for Papua New Guinea: Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank.
For Papua New Guinea, ATM24 can review a PGK payout through banks such as Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank. The manager checks whether the selected bank route supports the incoming transfer and which account or card details are needed. The bank route is confirmed before payment.
Recipient details for Papua New Guinea in PGK depend on the bank or payout channel named in the order. ATM24 may need the recipient name, Kina Bank or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for Papua New Guinea: Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank.
For Papua New Guinea, a PGK payout may be fast only after the selected channel is checked. ATM24 reviews Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank plus card or account payout options before giving timing. The manager confirms the expected time before the sender pays. Bank-route examples for Papua New Guinea: Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank.
The ATM24 fee for sending money to Papua New Guinea with payout in PGK starts from 0.9% on the Papua New Guinea PGK payout route. The final calculation depends on the amount, payment currency, payout method, exchange rate, and the recipient's bank. If the sender pays by an international card or through a bank transfer, the card issuer or sending bank may charge its own foreign transaction, conversion, transfer, or dynamic currency conversion fee. Bank-route examples for Papua New Guinea: Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank.
Yes, ATM24 can calculate a transfer to Papua New Guinea in PGK where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Papua New Guinea PGK payout route, payment currency, exchange conditions, bank details such as Kina Bank or Bank of Papua New Guinea, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Papua New Guinea: Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank.
ATM24 accepts transfers to Papua New Guinea in PGK from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Papua New Guinea PGK payout route, bank rules, payout channel, sender payment method, and recipient data. For a large transfer, the manager confirms the limit and documents before the sender pays. Bank-route examples for Papua New Guinea: Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank.
For Papua New Guinea, extra documents for a PGK payout depend on the route through Westpac PNG, Bank of Papua New Guinea, or another confirmed channel. ATM24 may ask for identification, source of funds, recipient details, and payment-purpose wording. The list is confirmed after the amount and bank route are reviewed. Bank-route examples for Papua New Guinea: Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank.
For Papua New Guinea, a 1000 USD transfer can produce a different PGK result depending on the receiving route: 3,471.94 PGK. The ATM24 calculation includes Home Bank or another confirmed bank, payout method, fee from 0.9%, and exchange conditions. The sender sees the final amount before payment. Bank-route examples for Papua New Guinea: Kina Bank, Westpac PNG, Bank of Papua New Guinea, Home Bank, and New Zealand Bank.
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