Regency FX is the best and cheapest service overall. On €7,000 you will get 321,967.59 UYU after fees and the exchange rate.
We’ve compared 4 money transfer companies in more detail below.
| 4 of 4 providers Last updated on 21 September 2026 This page updates weekly. We collect, store, and analyze EUR/UYU exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/UYU transfersAll money transfer offers for EUR/UYU transfers, sorted by most UYU received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €99.73 1 EUR = 46.1186 UYU 0.00% vs mid-market | Recipient gets $318,230.79 Next day | |
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 = 46.1186 UYU $318,230.79You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 44.1674 UYU +4.33% vs mid-market | Recipient gets $309,171.80 Minutes - 24 hours | |
Ways to receive money in Uruguay with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 44.1674 UYU $309,171.80You 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 = 45.9954 UYU +0.27% vs mid-market | Recipient gets $321,967.59 Minutes - 24 hours | |
Ways to receive money in Uruguay with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 45.9954 UYU $321,967.59You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €40.50 1 EUR = 45.9877 UYU +0.29% vs mid-market | Recipient gets $320,051.35 Within minutes | |
Ways to receive money in Uruguay with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €40.501 EUR = 45.9877 UYU $320,051.35You 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 = 46.1186 UYU 0.00% vs mid-market | Recipient gets $318,230.79 Next day | |
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 = 46.1186 UYU $318,230.79You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €109.70 1 EUR = 46.1186 UYU 0.00% vs mid-market | Recipient gets $317,770.99 Next day | |
Ways to receive money in Uruguay with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €109.701 EUR = 46.1186 UYU $317,770.99You pay€7,000.00 | |||
| Wise Pay via Debit card | Fee €153.82 1 EUR = 46.1186 UYU 0.00% vs mid-market | Recipient gets $315,736.24 Next day | |
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 = 46.1186 UYU $315,736.24You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €195.15 1 EUR = 46.1186 UYU 0.00% vs mid-market | Recipient gets $313,830.16 Next day | |
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 = 46.1186 UYU $313,830.16You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 44.1674 UYU +4.33% vs mid-market | Recipient gets $309,171.80 Minutes - 24 hours | |
Ways to receive money in Uruguay with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 44.1674 UYU $309,171.80You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 44.1674 UYU +4.33% vs mid-market | Recipient gets $309,171.80 Minutes - 24 hours | |
Ways to receive money in Uruguay with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 44.1674 UYU $309,171.80You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 44.1674 UYU +4.33% vs mid-market | Recipient gets $309,171.80 Minutes - 24 hours | |
Ways to receive money in Uruguay with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 44.1674 UYU $309,171.80You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 46.119893 UYU Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Regency FX.
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.
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
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.
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
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 320,051.35 UYU with a €40.5 fee and 0.29% markup.
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
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.
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 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
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 ~0.29% markup and charges small fees.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 321,967.59 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 holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
You pay €7,000.00
$U321,968
Cheapest
You pay €7,000.00
$U317,771
-$U4,197
You pay €7,000.00
$U315,736
-$U6,231
You pay €7,000.00
$U313,830
-$U8,137
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.
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 321,967.59 UYU, which is 0.6% 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 320,051.35 UYU in within minutes.
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.
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.
The EUR/UYU rate can move noticeably within a week, changing the amount your recipient gets in UYU.
Mid-market rate:1 EUR = 46.129444 UYU
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.
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.
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