Tonga’s island beauty, warm hospitality, and untouched beaches make it a South Pacific gem – but understanding money in Tonga and how currency works is crucial for an easy-going stay. Whether you’re buying fresh produce at local markets, booking whale-watching tours, or staying in eco-resorts, knowing how to pay matters. This guide outlines what currency to bring, how to get money and currency in Tonga (Tongan Paʻanga – TOP), how to use cash and cards safely, and key dos and don’ts. With the right knowledge, you’ll enjoy Tonga’s tranquility without money-related hassles.
How to pay in Tonga – cash or card?
In Tonga, cash is still the most accepted form of payment. Cards do work in some places – mainly in Nukuʻalofa, Neiafu, and a few resorts – but most street vendors, guesthouses, and small shops expect the local currency – Tongan Paʻanga (TOP) in cash.
You can use cash for:
- Public Transportation: Buses, taxis, and ferries are cash-only.
- Street Vendors and Markets: Fresh produce, handicrafts, and food stalls prefer cash.
- Small Businesses: Family-run shops and eateries usually take only cash.
- Hostels and Guesthouses: Many budget accommodations require cash payments.
- Tips and Gratuities: Cash tips are customary for guides, drivers, and hospitality workers.
- Outer Islands: Electronic payment facilities are scarce outside the main island.
You can use card for:
- Hotels: Mid- and high-end hotels in Nukuʻalofa and main tourist areas accept cards.
- Restaurants: Some larger or resort-based restaurants take cards.
- Retail Stores: A few bigger shops and supermarkets in Nukuʻalofa accept cards.
- Car Rentals and Tours: Established operators in main towns often accept cards.
- Online Bookings: Flights, hotels, and certain tours can be booked online by card.
What’s the best currency to take to Tonga?
The Tongan Paʻanga (TOP) is the official and only accepted currency in Tonga, making it the best currency to bring or get upon arrival.
Foreign currencies such as USD, AUD, or NZD are not accepted for purchases.
Where to get currency in Tonga?
There are 3 main ways to get cash in Tonga. They are:
- ATMs, or
- Currency exchange, or
- Money transfer & local pick-up
Types of cards to swipe in Tonga
Visa and Mastercard transactions are commonly accepted for swiping. You might also find some places that accept Amex and other cards, albeit less frequently.
Types of cards at ATMs in Tonga
If you’re withdrawing money in Tonga from an ATM, ATMs commonly accept Visa, Mastercard, Plus, Cirrus, CUP, JCB, Maestro cards. Only some of them accept American Express, Diners, Discover and Rupay cards.
Should I exchange money before travelling to Tonga?
It’s advisable to bring a small amount of Tongan Paʻanga (TOP) or USD/NZD before traveling to Tonga. Tongan currency may not be available abroad, and exchange rates outside the country are usually poor.
ATMs are available in Nukuʻalofa and main islands, and most accept Visa and Mastercard, but may be limited on outer islands. Be prepared for ATM downtime or withdrawal limits, and check with your bank for international fees.
You can exchange money at local banks or official exchange bureaus. NZD, AUD, and USD are the easiest currencies to exchange. Avoid changing money at the airport unless necessary.
Where to withdraw money in Tonga
You can withdraw money in Tonga at leading bank ATMs in the country. The best ATMs for foreigners to use in Tonga are those owned by popular banks such as:
- ANZ Bank and
- BSP Bank.
There are other banks with ATMs that also accept international debit and credit cards.
For a detailed guide, read Cash and ATMs in Tonga.
Where to exchange currency in Tonga
You can exchange currency in Tonga at licensed currency exchange offices and banks branches.
Currency exchange offices: Private bureaux like Tonga Development Bank Exchange and Fexco operate in central Nukuʻalofa and at Tanoa International Dateline Hotel. These often offer better rates than banks.
Banks: Bank South Pacific (BSP) and ANZ provide exchange services at branches in Nukuʻalofa and airports. Expect standard banking hours, Monday to Friday.
Pro Tip: Bring AUD, NZD, or USD, which are the easiest to exchange. Use official exchange offices and avoid unlicensed street changers. Always check the commission or margin.
You can find good currency exchanges in Tonga using the ATM Fee Saver app – it will guide you to the nearest currency exchange on the map. The app helps you with forex places in 160+ countries, including Tonga. Download now from the App Store or Play Store.
Avoid Airport Exchanges and no-fee exchange offices: They have the highest fees and poorest exchange rates. Wait to get to the city to exchange cash.
Is carrying cash in Tonga safe?
Carrying cash in Tonga is generally safe, but it’s important to plan ahead, as many places outside the main island of Tongatapu may not have ATM access or accept cards. Tonga has low crime rates, though petty theft can occasionally occur.
To manage cash safely in Tonga:
- Bring enough Tongan Paʻanga (TOP) for your trip, especially if visiting outer islands.
- Divide your cash between a travel wallet, belt pouch, and secure day bag.
- Avoid displaying large amounts of money when paying for goods or services.
- Use ATMs located in Nukuʻalofa or near major hotels for secure access.
- Carry small bills for buses, markets, and locally run excursions.
- Be discreet when handling money in busy public areas or ferry terminals.
Is it better to use debit or credit cards or pay by cash in Tonga
Use a card if it is fee-free i.e. your bank does not charge any fees to swipe the card, when the merchant / POS also does not impose any extra charge to use a card, you need to use the insurance of the card, don’t want to block cash of large purchases and card’s swipe fees are lower than withdrawal fees.
Pay by cash by withdrawing cash from ATM or exchanging currency where – fees on ATM withdrawals are lesser than fees on swiping cards, you don’t want to leave any digital footprint of your expenses, it is convenient and easier to conduct transactions.
