Best companies for EUR/UYU transfers
4 of 4 providers Last updated on 28 October 2026
Based on 7,000 EUR transfer Best companies for EUR/UYU transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee €99.73 1 EUR = 44.7197 UYU -0.16% vs mid-market	Recipient gets $308,578.00 Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Uruguay with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €99.731 EUR = 44.7197 UYU $308,578.00You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 42.8672 UYU +4.07% vs mid-market	Recipient gets $300,070.40 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Uruguay with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 42.8672 UYU $300,070.40You pay€7,000.00
Run a live search Showing top Germany to Uruguay deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to UYU rates.
Run a live search These companies offer multi-currency accounts for spending UYU. We suggest doing a live search based on how much EUR you're planning to spend in Uruguay.
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 44.5258 UYU +0.27% vs mid-market	Recipient gets $311,680.95 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Uruguay with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 44.5258 UYU $311,680.95You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €32.90 1 EUR = 44.5963 UYU +0.11% vs mid-market	Recipient gets $310,706.73 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Uruguay with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €32.901 EUR = 44.5963 UYU $310,706.73You pay€7,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Wise Pay via Bank transfer	Fee €99.73 1 EUR = 44.7197 UYU -0.16% vs mid-market	Recipient gets $308,578.00 Next day
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Uruguay with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €99.731 EUR = 44.7197 UYU $308,578.00You pay€7,000.00
Wise Pay via iDEAL	Fee €109.70 1 EUR = 44.7197 UYU -0.16% vs mid-market	Recipient gets $308,132.15 Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Uruguay with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €109.701 EUR = 44.7197 UYU $308,132.15You pay€7,000.00
Wise Pay via Debit card	Fee €153.82 1 EUR = 44.7197 UYU -0.16% vs mid-market	Recipient gets $306,159.12 Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Uruguay with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €153.821 EUR = 44.7197 UYU $306,159.12You pay€7,000.00
Wise Pay via Credit card	Fee €195.15 1 EUR = 44.7197 UYU -0.16% vs mid-market	Recipient gets $304,310.85 Next day
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Uruguay with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €195.151 EUR = 44.7197 UYU $304,310.85You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 42.8672 UYU +4.07% vs mid-market	Recipient gets $300,070.40 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Uruguay with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 42.8672 UYU $300,070.40You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 42.8672 UYU +4.07% vs mid-market	Recipient gets $300,070.40 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Uruguay with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 42.8672 UYU $300,070.40You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 42.8672 UYU +4.07% vs mid-market	Recipient gets $300,070.40 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Uruguay with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 42.8672 UYU $300,070.40You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 44.6464 UYU Updates every 60 minutes.

Why compare

EUR/UYU exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Germany to Uruguay

Pick a company

For a one-off transfer from Germany, I suggest picking the cheapest option which is Regency FX.

Regency FX was the cheapest on 29 of the 29 days it quoted €7,000 transfers to Uruguay.

On a 7,000 EUR transfer, Regency FX delivers the most UYU.

This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/UYU rate.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.

Verify and send

First time round you'll need a photo ID and proof of your German address.

Video identification is also normal and takes a few minutes.

Compare amounts

How much EUR are you sending to Uruguay?

How much EUR you send to Uruguay heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Regency FX was the cheapest in 100% of the transfers from €7,000 it quoted, and in 100% of all the transfers it quoted.


€1,000	0.11%	€2.90	$44,489.95with bank transfer to bank deposit	+$1,086.40
€5,000	0.11%	€22.90	$222,038.01with bank transfer to bank deposit	+$4,379.93
€7,000This page	0.27%	€0.00	$311,680.95with bank transfer to bank deposit	+$6,149.95
€50,000	0.25%	€0.00	$2,228,787.42with bank transfer to bank deposit	+$55,634.21

Mid-market rate: 1 EUR = 44.6464 UYU

EUR/UYU Exchange Rate History

Is today a good time to send money from Germany to Uruguay?

The cheapest way to send EUR to UYU can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 7,000 EUR transfers to Uruguay.

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more UYU per EUR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of UYU on every transfer from Germany.

Right now, Regency FX pays 311,680.95 UYU on 7,000 EUR, which is 843.82 UYU less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 319,022.91 UYU.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Uruguay.

We've tracked 78 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

Regency FXAppeared in 44 comparisons
Cheapest every time
RevolutAppeared in 71 comparisons
Cheapest in 25% of them
WiseAppeared in 77 comparisons
Cheapest in 9% of them

Based on 78 comparisons across 4 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most UYU, and it was also the cheapest in 100% of the 44 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Uruguay.

Revolut (today's second cheapest) was the cheapest in only 25% of its comparisons, so it's rarely the cheapest option for transfers to Uruguay.

Ways to send money from Germany to Uruguay

There are 4 companies for sending money from Germany to Uruguay, across app, broker, multi-currency account, global account, and online, and more below.

Fastest and easiest way

Online and app transfers

Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.

Sending €7,000 with Revolut to Uruguay gets you 310,706.73 UYU with a €32.9 fee and 0.11% markup.

In our comparisons over the past month, it was the cheapest online service on 21 of the 28 days it quoted.

Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.

For large transfers from Germany

Currency brokers

For buying property, moving to Uruguay, or moving pensions, a currency broker is the best option.

A broker like Regency FX charges no fee and works on a margin. It adds 0.27% on EUR/UYU which gets negotiated the more you send.

And you get an account manager to help you through the process.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €7,000 it quoted.

For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.

For making business payments

Global accounts

Global accounts are for businesses making payments to Uruguay.

Be it overseas suppliers and contractors, receiving UYU payments, or holding UYU and EUR in one business account.

Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.

For spending & receiving

Multi-currency accounts

A multi-currency account lets you hold EUR and UYU in one account.

You get UYU bank details, and can receive international payments like rent, dividends, family payments without additional conversions.

You can convert UYU to EUR or EUR to UYU whenever you need.

The best multi-currency account is Revolut, it adds ~0.11% markup and charges small fees.

Over the past month, it came out cheapest among multi-currency accounts on 75% of days.

Ways to fund EUR and receive UYU in Uruguay

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 311,680.95 UYU.

You can pay for the transfer using bank transfer, debit card, credit card, and iDEAL.

Using German bank

A SEPA bank transfer is usually the cheapest way to deposit EUR.

An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Uruguay.

The recipient in Uruguay can receive UYU by bank deposit.

To receive UYU by bank deposit

Enter the recipient's banking details and account holder's name.

Check both before sending because correcting a bank deposit will delay the transfer.

1

Bank transfer Bank deposit

You pay €7,000.00

$U311,681

Cheapest
2

iDEAL Bank deposit

You pay €7,000.00

$U308,132

-$U3,549
3

Debit card Bank deposit

You pay €7,000.00

$U306,159

-$U5,522
4

Credit card Bank deposit

You pay €7,000.00

$U304,311

-$U7,370

Things to know before sending money from Germany to Uruguay

The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.

Compare EUR/UYU transfer options

For a €7,000 transfer to Uruguay, these are the best options:

Cheapest way to send money to Uruguay

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 311,680.95 UYU, which is 0.31% more than the next best option.

Fastest way to send money to Uruguay

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 310,706.73 UYU in within minutes.

Transfers over €50,000 may get reported

Germany's AWV reporting threshold is €50,000.

A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.

It is a statistics report, not a tax or permission request.

Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.

The automated AWV notice shown by a bank does not mean every transfer is reportable.

The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.

SEPA and SWIFT are different

If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.

A payment converted into UYU sits outside that pricing rule and may involve another bank or payout partner.

Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.

This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.

How we analyse the market

Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.

We then track 4 of them on EUR to Uruguay, comparing rates, fees and the pay-in and payout options.

In the past 30 days alone, we analysed 78 comparisons across 4 amounts.

This page covers the cheapest and fastest options for EUR/UYU transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

More on who we are, why you can trust us and how to get started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Germany

Send money to Uruguay

Send money from United States to Uruguay Send money from Spain to Uruguay Send money from Brazil to Uruguay Send money from France to Uruguay Send money from Netherlands to Uruguay Send money from Australia to Uruguay Send money from New Zealand to Uruguay Send money from United Kingdom to Uruguay Send money from Italy to Uruguay Send money from Canada to Uruguay

Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.5747	–	$319,022.98
Regency FX Cheapest	45.4517	€0.00	$318,161.61	−$861.37
Revolut	45.6286	€40.50	$317,552.15	−$1,470.83
Wise	45.5483	€99.73	$314,295.57	−$4,727.41

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.5488	–	$318,841.33
Regency FX Cheapest	45.4258	€0.00	$317,980.46	−$860.87
Revolut	45.6112	€40.50	$317,430.91	−$1,410.42
Wise	45.7275	€99.73	$315,532.10	−$3,309.23

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.6981	–	$319,886.60
Regency FX Cheapest	45.5747	€0.00	$319,022.91	−$863.69
Revolut	45.4259	€40.50	$316,141.20	−$3,745.40
Wise	45.5505	€99.73	$314,310.75	−$5,575.85

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.5585	–	$318,909.16
Regency FX Cheapest	45.4354	€0.00	$318,048.10	−$861.06
Revolut	45.2566	€40.50	$314,963.44	−$3,945.72
Wise	45.3774	€99.73	$313,116.31	−$5,792.85

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.3717	–	$317,601.84
Regency FX Cheapest	45.2492	€0.00	$316,744.32	−$857.52
Wise	45.5501	€99.73	$314,307.99	−$3,293.85
Revolut	45.1829	€110.50	$311,287.62	−$6,314.22

Sun, 4 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.2794	–	$316,955.89
Regency FX Cheapest	45.1572	€0.00	$316,100.11	−$855.78
Wise	45.5501	€99.73	$314,307.99	−$2,647.90
Revolut	45.2853	€110.50	$311,992.78	−$4,963.11

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0505	–	$315,353.22
Regency FX Cheapest	44.9288	€0.00	$314,501.77	−$851.45
Revolut	45.1561	€40.50	$314,263.70	−$1,089.52
Wise	45.2870	€99.73	$312,492.53	−$2,860.69

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.2881	–	$317,016.81
Regency FX Cheapest	45.1658	€0.00	$316,160.86	−$855.95
Revolut	45.1240	€40.50	$314,040.76	−$2,976.04
Wise	45.2400	€99.73	$312,168.21	−$4,848.59

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.2813	–	$316,969.29
Regency FX Cheapest	45.1591	€0.00	$316,113.47	−$855.82
Revolut	44.9066	€40.50	$312,527.15	−$4,442.14
Wise	45.0239	€99.73	$310,677.07	−$6,292.22

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.8675	–	$314,072.21
Regency FX Cheapest	44.7463	€0.00	$313,224.21	−$848.00
Revolut	44.7822	€40.50	$311,661.39	−$2,410.82
Wise	44.8996	€99.73	$309,819.36	−$4,252.85

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.8729	–	$314,110.34
Regency FX Cheapest	44.7517	€0.00	$313,262.24	−$848.10
Revolut	44.9518	€40.50	$312,842.13	−$1,268.21
Wise	45.0812	€99.73	$311,072.45	−$3,037.89

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0018	–	$315,012.93
Regency FX Cheapest	44.8803	€0.00	$314,162.39	−$850.54
Wise	44.9964	€99.73	$310,487.31	−$4,525.62
Revolut	44.8670	€110.50	$309,111.20	−$5,901.73

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.9966	–	$314,976.43
Regency FX Cheapest	44.8751	€0.00	$314,125.99	−$850.44
Revolut	44.9599	€40.50	$312,898.62	−$2,077.81
Wise	45.0862	€99.73	$311,106.95	−$3,869.48

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0643	–	$315,450.28
Regency FX Cheapest	44.9427	€0.00	$314,598.57	−$851.71
Revolut	44.8361	€40.50	$312,036.67	−$3,413.61
Wise	44.9577	€99.73	$310,220.27	−$5,230.01

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.9649	–	$314,754.38
Regency FX Cheapest	44.8435	€0.00	$313,904.55	−$849.83
Revolut	44.9267	€40.50	$312,667.25	−$2,087.13
Wise	45.0481	€99.73	$310,844.05	−$3,910.33

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0232	–	$315,162.22
Regency FX Cheapest	44.9016	€0.00	$314,311.28	−$850.94
Revolut	44.9562	€32.90	$313,214.20	−$1,948.02
Wise	45.0770	€99.73	$311,043.47	−$4,118.75

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.2041	–	$316,428.55
Regency FX Cheapest	45.0820	€0.00	$315,574.20	−$854.35
Revolut	45.1118	€32.90	$314,298.44	−$2,130.11
Wise	45.2446	€99.73	$312,199.96	−$4,228.59

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.3025	–	$317,117.69
Regency FX Cheapest	45.1802	€0.00	$316,261.47	−$856.22
Wise	45.1282	€99.73	$311,396.76	−$5,720.93
Revolut	44.9064	€102.90	$309,723.73	−$7,393.96

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.3281	–	$317,296.79
Regency FX Cheapest	45.2057	€0.00	$316,440.09	−$856.70
Revolut	44.9420	€32.90	$313,115.62	−$4,181.17
Wise	45.0660	€99.73	$310,967.57	−$6,329.22

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0873	–	$315,611.04
Regency FX Cheapest	44.9656	€0.00	$314,758.89	−$852.15
Wise	45.0371	€99.73	$310,768.15	−$4,842.89
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.9231	–	$314,461.83
Regency FX Cheapest	44.8018	€0.00	$313,612.78	−$849.05
Revolut	44.9128	€32.90	$312,912.28	−$1,549.55
Wise	45.0387	€99.73	$310,779.19	−$3,682.64

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.1513	–	$316,059.14
Regency FX Cheapest	45.0294	€0.00	$315,205.78	−$853.36
Revolut	44.9563	€32.90	$313,215.37	−$2,843.77
Wise	45.0848	€99.73	$311,097.29	−$4,961.85

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.9270	–	$314,488.94
Regency FX Cheapest	44.8057	€0.00	$313,639.82	−$849.12
Revolut	44.8350	€32.90	$312,370.18	−$2,118.76
Wise	44.9657	€99.73	$310,275.47	−$4,213.47

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.8954	–	$314,267.53
Regency FX Cheapest	44.7741	€0.00	$313,419.01	−$848.52
Wise	44.9260	€99.73	$310,001.53	−$4,266.00
Revolut	44.6907	€102.90	$308,236.00	−$6,031.53

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.8808	–	$314,165.88
Regency FX Cheapest	44.7597	€0.00	$313,317.63	−$848.25
Revolut	44.8254	€32.90	$312,302.88	−$1,863.00
Wise	44.9722	€99.73	$310,320.32	−$3,845.56

How to send money to Uruguay from Germany with the best EUR-UYU rate

Best companies for EUR/UYU transfers