TongaTOPTongan Paʻanga
Money in Tonga is called paanga, and it is the currency of the only kingdom in Oceania that has retained its monarchy. It's pointless to look for the exchange rate against the ruble in the usual sources: the paanga rate is set not by the market, but by the central bank based on a basket of currencies of major trading partners.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is paanga (TOP), which is divided into 100 seniti. The paanga exchange rate is set by the National Reserve Bank of Tonga relative to a basket of currencies of major trading partners, rather than being formed as a freely floating market rate. Therefore, in an international transfer, the specific conversion rate at the time of application submission is important. Tonga is the only state in Oceania that has retained its own monarchy; the country was not a colony in the classical sense, although from 1900 to 1970 it was under British protection while maintaining its own monarch and government. Money transfers from the Tongan diaspora in New Zealand, Australia and the USA play a very significant role in the economy and family incomes, so local banks regularly work with incoming international payments. Banking infrastructure is most developed in the capital, Nuku'alofa. The IBAN format is not used in Tonga: for an international SWIFT transfer you usually need the bank's SWIFT/BIC, account number and recipient's name.
The official languages are Tongan and English, bank details are issued in Latin characters. The country operates in UTC+13 time zone and is 10 hours ahead of Moscow. ATM24 checks the available route in advance before confirming the application. The international SWIFT transfer period is 2–5 business days. ATM24 commission is from 0.9%.
Card network operates in Nuku'alofa and major settlements. In the application, specify the card number and cardholder name in Latin characters. Credit in paanga at the rate from the application. Card transfer availability is verified in advance
Details are brief: the bank's SWIFT code, account number and recipient's name. Name is written in English, exactly as in the recipient's document. The country's banks work with incoming transfers on a regular basis. The route to the bank is verified before sending money
You can withdraw cash in Nuku'alofa and on the main island. The main location is Nuku'alofa on Tongatapu island. On remote islands of the archipelago there are fewer branches. How much you can withdraw at once will be indicated during application
For Tonga you need the recipient's account number, their bank's SWIFT code and name in English; IBAN format is not issued here. The paanga exchange rate is set by the central bank based on a basket of currencies, so there is no market rate against the ruble in reference sources - the conversion is fixed in the application before payment. The kingdom's banks work with incoming transfers regularly, so it is easy to receive money in Nuku'alofa.
We accept RUB, USD, EUR and USDT — we pay out in TOP
RUB TOP
0.02551per 1 RUB
10 000 ₽ = 255 TOPUSD TOP
2.29per 1 USD
100 $ = 229 TOPEUR TOP
2.59per 1 EUR
100 € = 259 TOPUSDT TOP
2.29per 1 USDT
100 USDT = 229 TOP| You send | Payout in TOP |
|---|---|
| 100 USDT | 229 TOP |
| 300 USDT | 686 TOP |
| 500 USDT | 1 144 TOP |
| 1 000 USDT | 2 287 TOP |
| 5 000 USDT | 11 437 TOP |
Where recipients usually get the money in Tonga
ANZ Tonga — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Tonga Development Bank — a development bank or specialist financial institution commonly associated with project finance, accounts, and targeted programs.
BSP Financial Group Tonga — a financial group or banking holding company whose services may include banking, payments, and corporate accounts.
MBf Bank Tonga — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Digicel Mobile Banking Tonga — a payment service or digital banking channel whose core functions include a wallet, P2P transfers, cards, or bill payments.
National currency
National currency is paanga (TOP), the exchange rate of which is set by the central bank relative to a basket of currencies.
Card systems
Visa and Mastercard are accepted in Nuku'alofa. ANZ and BSP are the main banks. The country uses Tongan paanga (TOP). Digicel MyCash is a mobile wallet for domestic transfers. International transfers are through Western Union and MoneyGram.
Payment applications
Digicel Tonga MobileMoney and TongaTel are the main mobile money operators. ANZ Tonga and BSP Pacific Mobile Banking for bank customers.
Interbank transfers
Money transfers from abroad constitute a significant part of the country's economy. The IBAN format is not used in Tonga: for international transfers, the bank's SWIFT/BIC and account number are used.
Financial regulator
National Reserve Bank of Tonga (NRBT) is the central bank and financial regulator; located in Nuku'alofa. ANZ Tonga and Bank of South Pacific accept international SWIFT transfers.
Special features for ATM24
Tonga has not imposed sanctions against Russia. Transfers are accepted in TOP (paanga) and AUD/NZD. ATM24 verifies the route before confirming the application; market volume is small.
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
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.
Real stories from real people
Trustpilot
At the beginning I thought that this currency exchanger is some sort of the scam platforms but urgently needed money from Russia to Dubai. I have transferred money from my home country card and received money from ATM. Huge respect, will use later 🤝
Read full reviewManager Emil helped a lot, everything’s cool, they delivered the money to the house, the courier waited at the entrance until we finished with the transfers
Read full reviewTrustpilot
Manager Sofa helps me again with a good rate. The atm24.pro project is one of the best projects with a favorable rate for Phuket.
Read full reviewMany thanks to manager Sofa, helped sort out the problems that arose, very polite and responded promptly. Everything was withdrawn, we'll contact you again in the future
Read full reviewThanks for the transparency and promptness! To the whole service and manager Sofa. After a similar service scammed me for 60k I was in despair, but I trusted this service and did not regret it
Read full reviewTrustpilot
Everything went quickly and efficiently. Thanks to manager Anna
Read full reviewI exchange twice a month for more than half a year now while staying in Thailand. The whole process takes about 30 minutes. I'm satisfied with the service. Among all other services the rate is the most favorable. Manager Alisa is always in touch. I worked only with her.
Read full reviewTrustpilot
Excellent exchange office. Good rate, clear operation and quick receipt of money. Tried several companies, but for more than a year now I work only with them.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
We've gathered answers about paanga, its exchange rate, and how money reaches the recipient.
To arrange a TOP payout in Tonga, ATM24 first checks the receiving channel for the Tonga TOP payout route. The route is confirmed before payment, including Bank of South Pacific Tonga, MBf Bank, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for Tonga: Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia New Zealand Bank.
In Tonga, a TOP transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Tonga TOP payout route through a bank such as ANZ Tonga or Tonga Development 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 Tonga: Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia New Zealand Bank.
For Tonga, ATM24 can review a TOP payout through banks such as Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia 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 Tonga in TOP depend on the bank or payout channel named in the order. ATM24 may need the recipient name, Bank of South Pacific Tonga or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for Tonga: Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia New Zealand Bank.
For Tonga, a TOP payout may be fast only after the selected channel is checked. ATM24 reviews Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia 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 Tonga: Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia New Zealand Bank.
The fee for sending money to Tonga with payout in TOP is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through ANZ Tonga or MBf Bank, and amount the recipient should receive before payment. Bank-transfer fees, card conversion fees, and DCC markups from the sender's provider are separate. Bank-route examples for Tonga: Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia New Zealand Bank.
Yes, ATM24 can calculate a transfer to Tonga in TOP where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Tonga TOP payout route, payment currency, exchange conditions, bank details such as Bank of South Pacific Tonga or MBf Bank, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Tonga: Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia New Zealand Bank.
For Tonga, the minimum TOP transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Bank of South Pacific Tonga, ANZ Tonga, recipient details, payout method, and document requirements before payment. A route through ANZ Tonga may have different limits than a card or non-bank payout. Bank-route examples for Tonga: Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia New Zealand Bank.
For Tonga, extra documents for a TOP payout depend on the route through ANZ Tonga, MBf Bank, 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 Tonga: Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia New Zealand Bank.
For Tonga, a 1000 USD transfer can produce a different TOP result depending on the receiving route: 2,287.37 TOP. The ATM24 calculation includes Tonga Development 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 Tonga: Bank of South Pacific Tonga, ANZ Tonga, MBf Bank, Tonga Development Bank, and Tonga. Australia New Zealand Bank.
Could not find an answer to your question?
Contact support
