Payment methods in Tonga
Remittances are among the highest as a share of GDP globally, making inbound money transfer services critical.
Market takeaways
- Remittances are among the highest as a share of GDP globally, making inbound money transfer services critical.
- Digicel's MyCash enables cross-border transfers to Fiji, Samoa, and Vanuatu.
- KlickEx provides digital money transfer services including direct bank and SPBD (South Pacific Business Development) payments.
- Tonga joined the World Bank regional correspondent banking protection project in 2025.
- Cash dominates, with digital payments primarily concentrated in the capital Nuku'alofa.
Population
0.1M
Online population
~0.05M
Banked population
~55%
Credit card population
<10%
Payment method breakdown
- Cash70%
- Mobile Money / Remittance20%
- Card8%
- Bank Transfer2%
Card scheme breakdown
Market data coming soon.
Cross-border e-commerce
Market data coming soon.
Featured payment methods in Tonga
All payment methods available in this market, sorted by prominence.
ANZ (Australia and New Zealand Banking Group)
ANZ (Australia and New Zealand Banking Group) is a major regional bank operating across the Pacific. It provides retail and commercial banking, debit/credit cards, ATMs, and internet/mobile banking to account holders in Fiji, Kiribati, Solomon Islands, Tonga, Tuvalu, Vanuatu and Samoa.
KlickEx
Pacific-focused digital payments and remittance service operating in Tonga, enabling direct deposits to local bank accounts and SPBD (South Pacific Business Development) accounts. KlickEx is a key player in Pacific digital cross-border payment infrastructure.
BSP (Bank South Pacific) Mobile Banking
BSP Financial Group's banking services in Vanuatu, providing account management, debit cards, and basic digital banking for account holders. BSP is the primary commercial bank across multiple Pacific island nations.
MyCash (Digicel)
Digicel's Pacific mobile money platform operating in Tonga, enabling peer-to-peer transfers and cross-border payments to Fiji, Samoa, and Vanuatu. Supports mobile top-ups and basic merchant transactions.
MyCash (Digicel Tonga)
Digicel's Pacific mobile money platform operating in Tonga, enabling peer-to-peer transfers and cross-border payments to Fiji, Samoa, and Vanuatu. Supports mobile top-ups and basic merchant transactions.
MyCash / M-Pei (Digicel Vanuatu)
Digicel's mobile money offering in Vanuatu, operating under the Pacific-wide MyCash brand. Supports transfers and airtime top-ups for Digicel subscribers. Like M-Vatu, it operates in a silo and cannot transact with the other MFS providers or bank accounts.
ANZ Tonga / BSP Tonga
ANZ and BSP operate banking services in Tonga, providing mobile banking, card issuance, and ATM access. These banks serve the banked segment and issue Visa/Mastercard debit cards.
Western Union / MoneyGram
International money transfer services operating through agent networks in Samoa. Critical for receiving remittances from the Samoan diaspora in New Zealand, Australia, and the United States. These services account for a significant share of formal financial inflows.
Featured banks in Tonga
All banks operating in this market, sorted by prominence.
ANZ Banking Group
Melbourne, Australia
ANZ is Australia's third-largest bank, with a strong institutional banking franchise and significant presence across Asia-Pacific and New Zealand.
Bank South Pacific (BSP Financial Group)
Port Moresby, Papua New Guinea
BSP Financial Group is the Pacific's largest bank, headquartered in Papua New Guinea, with operations across 10 Pacific island nations.
Other Banks — Tonga
Nuku'alofa, Tonga
Aggregate of remaining banks in Tonga, collectively ~100.0% of domestic banking assets.
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