TuvaluAUDAustralian Dollar
Tuvalu is one of the smallest countries in the world, and a significant part of its budget comes not from tourism or fishing, but from the .tv domain zone assigned by country code. The country only mints its own money as coins: Tuvalu has never printed banknotes and uses the Australian dollar, so there is no exchange rate issue on this corridor whatsoever.
The route, the receiving bank and the payout amount are agreed before payment.
The main currency is the Australian dollar (AUD). The country does not issue its own banknotes, but does have its own coins that circulate alongside Australian coins. Tuvalu is one of the smallest and least populated states in the world, with an area of approximately 26 sq. km. A separate unusual revenue source for the country is the national domain zone .tv, the right to use which brings the state significant budget revenues. Banking infrastructure is extremely limited: there is essentially one main bank for the entire country, and ATMs only appeared in 2025; before that, cash was obtained mainly through bank tellers. Cash continues to play an important role in everyday transactions, so before making a transfer it is important to find out in advance how the recipient will be able to receive and use the funds. The IBAN format is not used in Tuvalu: for international SWIFT transfers you typically need the bank's SWIFT/BIC, account number, and recipient's name.
The official languages are Tuvaluan and English, and banking details are formatted in Latin characters. The capital is Funafuti. Tuvalu operates on UTC+12 timezone, 9 hours ahead of Moscow. ATM24 checks the available route and payment method in advance before confirming your transfer. The time for international SWIFT transfers is 2–5 business days, provided a route is available. ATM24 commission is from 0.9%.
Card networks on the islands are almost non-existent. Card deposit availability is checked separately. Card currency is Australian dollar. On this corridor, bank transfer and cash are more common
Details are brief: bank SWIFT code, account number, and recipient's name. There is essentially one bank in the country, and the recipient's account is open with it. Name is written in English, exactly as shown in the recipient's documents. The route to the bank is verified before sending money
You can withdraw cash in Funafuti - there are no branches on other atolls. Funafuti is the country's only major population center. Communication with distant atolls is by ship and infrequent. The amount to be paid out is agreed upon when submitting your transfer request
When applying for a transfer to Tuvalu, you provide the recipient's account number, the bank's SWIFT code, and the name in English - IBAN is not issued here, and transliteration is not required. There is no exchange rate on this corridor - the country uses the Australian dollar, and only mints its own money as coins. What you should clarify instead: there is essentially one bank in the country, and the payment method is agreed upon before transfer.
We accept RUB, USD, EUR and USDT — we pay out in AUD
RUB AUD
0.01457per 1 RUB
10 000 ₽ = 146 AUDUSD AUD
1.31per 1 USD
100 $ = 131 AUDEUR AUD
1.48per 1 EUR
100 € = 148 AUDUSDT AUD
1.31per 1 USDT
100 USDT = 131 AUD| You send | Payout in AUD |
|---|---|
| 100 USDT | 131 AUD |
| 300 USDT | 392 AUD |
| 500 USDT | 653 AUD |
| 1 000 USDT | 1 306 AUD |
| 5 000 USDT | 6 531 AUD |
Where recipients usually get the money in Tuvalu
ANZ Tuvalu — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Westpac Tuvalu — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Pacific Islands Development Bank Tuvalu — a development bank or specialist financial institution commonly associated with project finance, accounts, and targeted programs.
National currency
The main currency is the Australian dollar (AUD). Tuvalu's own money is issued only as coins; there are no native banknotes.
Card systems
Banking infrastructure is minimal - essentially one main bank for the country. Card routes are clarified when submitting your transfer request.
Payment applications
There are no developed local mobile payment solutions. Tuvalu uses the Australian dollar (AUD); National Bank of Tuvalu (NBT) is the country's only bank. Money transfers are carried out through Western Union or international bank transfers via NBT.
Interbank transfers
IBAN format is not used: for international transfers, the bank's SWIFT/BIC and account number are used.
Financial regulator
Tuvalu does not have a central bank. Oversight of the National Bank of Tuvalu is formally exercised by the Ministry of Finance. The country uses AUD (Australian dollar) - monetary policy is de facto determined by the Reserve Bank of Australia.
Special features for ATM24
Tuvalu operates on UTC+12 timezone, 9 hours ahead of Moscow. Official languages are Tuvaluan and English.
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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Read full reviewUsed this service for the first time. I was very worried about my money) in the end everything was simple and clear, my operator was Ekaterina, she responded promptly. The rate is normal, I wouldn't call it high.
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We've collected answers about the Australian dollar on the islands, about the country's only bank, and about the transfer procedure.
A money transfer to Tuvalu in AUD through ATM24 starts with choosing how the recipient will be paid on the Tuvalu AUD payout route. The manager verifies recipient name, payment method, Development Bank of Tuvalu, fee from 0.9%, and estimated processing time before payment. Bank-route examples for Tuvalu: National Bank of Tuvalu and Development Bank of Tuvalu.
Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Tuvalu in AUD on the Tuvalu AUD payout route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, Development Bank of Tuvalu may require a different set of details than Development Bank of Tuvalu, so card and account routes are confirmed separately. Bank-route examples for Tuvalu: National Bank of Tuvalu and Development Bank of Tuvalu.
A transfer to Tuvalu in AUD can be sent to the recipient's bank if that bank accepts the incoming credit. Banks to check for this destination include National Bank of Tuvalu and Development Bank of Tuvalu. ATM24 verifies the bank, account format, recipient name, and payout currency before the sender pays.
To prepare an AUD payout in Tuvalu, start with the exact recipient name and receiving route. ATM24 checks Development Bank of Tuvalu, National Bank of Tuvalu, card or account details, and any route-specific field before payment. The manager clarifies missing data before the order is paid. Bank-route examples for Tuvalu: National Bank of Tuvalu and Development Bank of Tuvalu.
A money transfer to Tuvalu in AUD can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as National Bank of Tuvalu or Development Bank of Tuvalu. Documents or bank review can extend the processing time. Bank-route examples for Tuvalu: National Bank of Tuvalu and Development Bank of Tuvalu.
For a transfer to Tuvalu in AUD, the ATM24 service fee starts from 0.9% and is confirmed before payment. The manager calculates the final amount using the Tuvalu AUD payout route, exchange conditions, recipient bank such as National Bank of Tuvalu, and sender's payment method. Separate bank or card-issuer fees may still apply outside the ATM24 calculation. Bank-route examples for Tuvalu: National Bank of Tuvalu and Development Bank of Tuvalu.
Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives AUD in Tuvalu. The manager checks National Bank of Tuvalu, Development Bank of Tuvalu, payout route, exchange conditions, and final amount before payment. Any card conversion or sending-bank fee remains outside the recipient payout. Bank-route examples for Tuvalu: National Bank of Tuvalu and Development Bank of Tuvalu.
ATM24 accepts transfers to Tuvalu in AUD from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Tuvalu AUD 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 Tuvalu: National Bank of Tuvalu and Development Bank of Tuvalu.
A large AUD payout to Tuvalu can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews National Bank of Tuvalu and Development Bank of Tuvalu with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Tuvalu: National Bank of Tuvalu and Development Bank of Tuvalu.
For a 1000 USD transfer to Tuvalu, the live AUD estimate depends on the current ATM24 route: 1,306.17 AUD. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through National Bank of Tuvalu or Development Bank of Tuvalu. The final AUD amount is fixed before payment. Bank-route examples for Tuvalu: National Bank of Tuvalu and Development Bank of Tuvalu.
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