Best companies for EUR/UGX transfers
5 of 5 providers Last updated on 28 October 2026
Based on 7,000 EUR transfer Best companies for EUR/UGX transfers Sort Cheapest
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 4941.7800 UGX -1.15% vs mid-market	Recipient gets UGX 34,592,460.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Uganda with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4941.7800 UGX UGX 34,592,460.00You pay€7,000.00
Promoted Key Currency Pay via Bank transfer	Fee €0.00 1 EUR = 4872.9340 UGX +0.25% vs mid-market	Recipient gets UGX 34,110,538.33 Minutes - 3 days
4 reviews Personal account managerReceive to bank account
Ways to receive money in Uganda with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 4872.9340 UGX UGX 34,110,538.33You pay€7,000.00
Run a live search Showing top Finland to Uganda 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 UGX rates.
Run a live search These companies offer multi-currency accounts for spending UGX. We suggest doing a live search based on how much EUR you're planning to spend in Uganda.
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.
Xe Pay via Debit card	Fee €0.00 1 EUR = 4941.7800 UGX -1.15% vs mid-market	Recipient gets UGX 34,592,460.00 Minutes - 24 hours
4 reviews Cheapest Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Uganda with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4941.7800 UGX UGX 34,592,460.00You pay€7,000.00

Xe Pay via Bank transfer	Fee €0.00 1 EUR = 4941.7800 UGX -1.15% vs mid-market	Recipient gets UGX 34,592,460.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Uganda with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4941.7800 UGX UGX 34,592,460.00You pay€7,000.00
Xe Pay via Credit card	Fee €0.00 1 EUR = 4941.7800 UGX -1.15% vs mid-market	Recipient gets UGX 34,592,460.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Uganda with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4941.7800 UGX UGX 34,592,460.00You pay€7,000.00
Exclusive: Special Rate for 1st Transfer Key Currency Pay via Bank transfer	Fee €0.00 1 EUR = 4872.9340 UGX +0.25% vs mid-market	Recipient gets UGX 34,110,538.33 Minutes - 3 days
4 reviews Personal account managerReceive to bank account
Ways to receive money in Uganda with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 4872.9340 UGX UGX 34,110,538.33You pay€7,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee €0.00 1 EUR = 4871.9570 UGX +0.27% vs mid-market	Recipient gets UGX 34,103,699.13 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Uganda with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4871.9570 UGX UGX 34,103,699.13You pay€7,000.00
TapTap Send Pay via Debit card	Fee €0.00 1 EUR = 4850.0000 UGX +0.72% vs mid-market	Recipient gets UGX 33,950,000.00 Minutes
0 reviews Fastest Receive to bank account
Ways to receive money in Uganda with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:Airtel, MTN Free1 EUR = 4850.0000 UGX UGX 33,950,000.00You pay€7,000.00
Only available via Mobile App WorldRemit Pay via Debit card	Fee €0.00 1 EUR = 4736.3970 UGX +3.09% vs mid-market	Recipient gets UGX 33,154,779.14 Minutes - 2 days
13 reviews Recommended Receive to bank account or cash pickup
Ways to receive money in Uganda with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days Free1 EUR = 4736.3970 UGX UGX 33,154,779.14You pay€7,000.00
How Our Results Work Mid-market rate: 1 EUR = 4885.1469 UGX Updates every 60 minutes.

Why compare

EUR/UGX exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Finland to Uganda

Pick a company

For a one-off EUR transfer to Uganda, start with Xe.

Xe was the cheapest on 2 of the 27 days it quoted €7,000 transfers to Uganda.

On a 7,000 EUR transfer, Xe delivers the most UGX.

The cheapest option depends on the amount, so I suggest to get the best EUR/UGX rate.

Fund your transfer

You have 3 ways to pay, including bank transfer, debit card, and credit card.

Select how you want the recipient to pick up the money. For transfers to Uganda they can receive it via bank deposit and mobile money.

Verify and send

If it's your first time using the service, you will need to verify your account.

This usually takes a few minutes to a few hours.

If your transfer is urgent, make sure to get it done beforehand to avoid any delays.

Compare amounts

How much EUR are you sending to Uganda?

How much EUR you send to Uganda 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 Xe was the cheapest in 12% of the transfers from €2,000 it quoted, and in 12% of all the transfers it quoted.


€500	0.40%	€0.00	UGX 2,433,365.00with debit card to bank deposit	+UGX 20,773.92
€2,000	-1.15%	€0.00	UGX 9,883,560.00with debit card to bank deposit	+UGX 232,102.71
€7,000This page	-1.15%	€0.00	UGX 34,592,460.00with debit card to bank deposit	+UGX 435,831.91

Mid-market rate: 1 EUR = 4885.1469 UGX

EUR/UGX Exchange Rate History

Is today a good time to send money from Finland to Uganda?

The cheapest way to send EUR to UGX 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 Xe), across 30 days of comparisons for 7,000 EUR transfers to Uganda.

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 UGX per EUR than the mid-market rate can offer.

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

In the past month, a money transfer company beat the mid-market rate on 2 of the last 30 days.

Right now, Xe pays 34,592,460 UGX on 7,000 EUR, which is 396,431.59 UGX more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 34,999,475.85 UGX.

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.

If you need to send money now, it's a good time to send.

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 Uganda.

We've tracked 61 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

XeAppeared in 41 comparisons
Cheapest in 12% of them
Key CurrencyAppeared in 28 comparisons
Cheapest in 93% of them
Regency FXAppeared in 28 comparisons
Never the cheapest

Based on 61 comparisons across 3 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 Xe is the cheapest and gets you the most UGX, but it was the cheapest in only 12% of the 41 comparisons it appeared in over the past month.

If it's a one-off transfer, go with Xe, since it's the cheapest right now.

Ways to send money from Finland to Uganda

5 companies send money from Finland to Uganda, mostly through app, broker, and online, and a few more ways.

Usually the cheapest

Online transfers

Companies like Xe will get you 34,592,460 UGX on a €7,000 transfer.

In our comparisons over the past month, it was the cheapest online service on 27 of the 27 days it quoted.

If it's the only time you send money to Uganda, then it's the best option.

For recurring transfers, an app is a bit more convenient.

For regular transfers

Money transfer apps

For the regular smaller transfer, apps are convenient and cheap.

Xe charges €0 on a €7,000 transfer, and 34,592,460 UGX arrives in minutes - 24 hours.

Over the past month, Xe was the cheapest app on 41% of the days it appeared for €7,000 transfers.

In Uganda they can receive money via bank deposit and mobile money.

For freelancers and SMEs

Global accounts

Global accounts are for companies and freelancers making payments to Uganda.

Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.

For sending large sums

Currency brokers

Currency brokers are good for sending €10,000+ to Uganda. They charge no fees and add a markup on the rate.

Xe charges no fee but adds -1.15% markup on top of the EUR/UGX rate.

Our analysis shows Xe was the cheapest broker in 41% of the transfers from €2,000 it quoted.

Ways to fund EUR and receive UGX in Uganda

With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 34,592,460 UGX.

To pay for your transfer in Finland, you have bank transfer, debit card, and credit card.

MobilePay and Siirto are useful for payments within Finland, but they do not send money to Uganda directly.

For withdrawals in Uganda, use bank deposit and mobile money.

Receive UGX

The name should match the account holder's bank record, so double check it before sending.

1

Debit card Bank deposit

You pay €7,000.00

USh34,592,460

Cheapest
2

Bank transfer Bank deposit

You pay €7,000.00

USh34,592,460

USh0
3

Credit card Bank deposit

You pay €7,000.00

USh34,592,460

USh0
4

Debit card Mobile money

You pay €7,000.00

USh33,950,000

-USh642,460

What to consider before sending money from Finland to Uganda

For a transfer from Finland, compare the UGX received and check whether the payment is a taxable gift rather than ordinary family support.

Compare EUR/UGX transfer options

For a €7,000 transfer to Uganda, these are the current cheapest, fastest and easiest options.

Cheapest

Xe is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 34,592,460 UGX, which is 1.39% more than the next best option.

Fastest

TapTap Send delivers 33,950,000 UGX in minutes when you pay by debit card and choose mobile money.

Sending a gift from Finland can trigger gift tax

If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.

The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.

Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.

Cash sent to the recipient is treated as a normal gift because they can spend it on anything.

Large transfers may take longer

Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.

Keep the invoice, sale document or account statement ready.

SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Uganda.

Safety measures in Finland

An EEA company may be authorised in another country and operate in Finland through passporting.

If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.

Never move money to a so-called safe account or approve an unexpected bank-identification request.

When in doubt, check the company in the FIN-FSA supervised-entities register.

How we analyse the market

Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.

We track 5 of them on EUR to Uganda, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.

In the past 30 days alone, we analysed 61 comparisons across 3 amounts.

This page covers the cheapest and fastest options for EUR/UGX 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.

Nothing appears without passing our review.

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 Finland

Send money to Uganda

Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4443.3578	–	UGX 31,103,504.63
Key Currency Cheapest	4432.2494	€0.00	UGX 31,025,745.87	−UGX 77,758.76
Regency FX	4431.3607	€0.00	UGX 31,019,525.17	−UGX 83,979.46
Xe	4392.5100	€0.00	UGX 30,747,570.00	−UGX 355,934.63

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4453.9604	–	UGX 31,177,722.65
Key Currency Cheapest	4442.8255	€0.00	UGX 31,099,778.34	−UGX 77,944.31
Regency FX	4441.9347	€0.00	UGX 31,093,542.79	−UGX 84,179.86
Xe No quote collected this day	–	–	–	–

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4442.4843	–	UGX 31,097,389.75
Key Currency Cheapest	4431.3780	€0.00	UGX 31,019,646.28	−UGX 77,743.47
Regency FX	4430.4895	€0.00	UGX 31,013,426.80	−UGX 83,962.95
Xe No quote collected this day	–	–	–	–

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4493.9732	–	UGX 31,457,812.53
Key Currency Cheapest	4482.7383	€0.00	UGX 31,379,167.99	−UGX 78,644.54
Regency FX	4481.8395	€0.00	UGX 31,372,876.43	−UGX 84,936.10
Xe	4348.7800	€0.00	UGX 30,441,460.00	−UGX 1,016,352.53

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4492.0181	–	UGX 31,444,126.57
Key Currency Cheapest	4480.7880	€0.00	UGX 31,365,516.25	−UGX 78,610.32
Regency FX	4479.8896	€0.00	UGX 31,359,227.43	−UGX 84,899.14
Xe	4401.4200	€0.00	UGX 30,809,940.00	−UGX 634,186.57

Sun, 4 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4482.9419	–	UGX 31,380,593.21
Key Currency Cheapest	4471.7345	€0.00	UGX 31,302,141.73	−UGX 78,451.48
Regency FX	4470.8379	€0.00	UGX 31,295,865.61	−UGX 84,727.60
Xe	4401.4200	€0.00	UGX 30,809,940.00	−UGX 570,653.21

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4464.3994	–	UGX 31,250,795.46
Key Currency Cheapest	4453.2384	€0.00	UGX 31,172,668.47	−UGX 78,126.99
Regency FX	4452.3455	€0.00	UGX 31,166,418.31	−UGX 84,377.15
Xe	4372.0800	€0.00	UGX 30,604,560.00	−UGX 646,235.46

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4500.1184	–	UGX 31,500,828.70
Key Currency Cheapest	4488.8681	€0.00	UGX 31,422,076.63	−UGX 78,752.07
Regency FX	4487.9681	€0.00	UGX 31,415,776.46	−UGX 85,052.24
Xe	4412.9900	€0.00	UGX 30,890,930.00	−UGX 609,898.70

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4523.1055	–	UGX 31,661,738.82
Key Currency Cheapest	4511.7978	€0.00	UGX 31,582,584.47	−UGX 79,154.35
Regency FX	4510.8932	€0.00	UGX 31,576,252.13	−UGX 85,486.69
Xe	4461.2400	€0.00	UGX 31,228,680.00	−UGX 433,058.82

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4558.2261	–	UGX 31,907,582.49
Key Currency Cheapest	4546.8305	€0.00	UGX 31,827,813.53	−UGX 79,768.96
Regency FX	4545.9189	€0.00	UGX 31,821,432.02	−UGX 86,150.47
Xe	4488.5000	€0.00	UGX 31,419,500.00	−UGX 488,082.49

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4583.7295	–	UGX 32,086,106.78
Key Currency Cheapest	4572.2702	€0.00	UGX 32,005,891.51	−UGX 80,215.27
Regency FX	4571.3535	€0.00	UGX 31,999,474.29	−UGX 86,632.49
Xe	4469.2100	€0.00	UGX 31,284,470.00	−UGX 801,636.78

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4581.1929	–	UGX 32,068,350.29
Key Currency Cheapest	4569.7399	€0.00	UGX 31,988,179.41	−UGX 80,170.88
Regency FX	4568.8237	€0.00	UGX 31,981,765.74	−UGX 86,584.55
Xe	4513.6000	€0.00	UGX 31,595,200.00	−UGX 473,150.29

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4578.5919	–	UGX 32,050,142.96
Key Currency Cheapest	4567.1454	€0.00	UGX 31,970,017.61	−UGX 80,125.35
Regency FX	4566.2297	€0.00	UGX 31,963,607.58	−UGX 86,535.38
Xe	4513.6000	€0.00	UGX 31,595,200.00	−UGX 454,942.96

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4627.2835	–	UGX 32,390,984.74
Key Currency Cheapest	4615.7153	€0.00	UGX 32,310,007.28	−UGX 80,977.46
Regency FX	4614.7899	€0.00	UGX 32,303,529.09	−UGX 87,455.65
Xe	4501.5100	€0.00	UGX 31,510,570.00	−UGX 880,414.74

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4625.2847	–	UGX 32,376,993.09
TapTap Send Cheapest	4560.0000	€0.00	UGX 31,920,000.00	−UGX 456,993.09
Xe No quote collected this day	–	–	–	–
Key Currency No quote collected this day	–	–	–	–
Regency FX No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4527.1351	–	UGX 31,689,945.45
Xe Cheapest	4560.9400	€0.00	UGX 31,926,580.00	+UGX 236,634.55
Key Currency	4515.8172	€0.00	UGX 31,610,720.58	−UGX 79,224.87
Regency FX	4514.9118	€0.00	UGX 31,604,382.60	−UGX 85,562.85

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4524.7297	–	UGX 31,673,107.91
Key Currency Cheapest	4513.4179	€0.00	UGX 31,593,925.14	−UGX 79,182.77
Regency FX	4512.5129	€0.00	UGX 31,587,590.52	−UGX 85,517.39
Xe	4373.6800	€0.00	UGX 30,615,760.00	−UGX 1,057,347.91

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4648.2072	–	UGX 32,537,450.40
Key Currency Cheapest	4636.5867	€0.00	UGX 32,456,106.77	−UGX 81,343.63
Regency FX	4635.6570	€0.00	UGX 32,449,599.28	−UGX 87,851.12
Xe	4489.3000	€0.00	UGX 31,425,100.00	−UGX 1,112,350.40

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4642.5401	–	UGX 32,497,781.00
Key Currency Cheapest	4630.9338	€0.00	UGX 32,416,536.55	−UGX 81,244.45
Regency FX	4630.0053	€0.00	UGX 32,410,036.99	−UGX 87,744.01
Xe	4489.3000	€0.00	UGX 31,425,100.00	−UGX 1,072,681.00

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4671.6849	–	UGX 32,701,794.36
Key Currency Cheapest	4660.0057	€0.00	UGX 32,620,039.87	−UGX 81,754.49
Regency FX	4659.0714	€0.00	UGX 32,613,499.51	−UGX 88,294.85
Xe	4576.1800	€0.00	UGX 32,033,260.00	−UGX 668,534.36

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4670.4806	–	UGX 32,693,364.48
Key Currency Cheapest	4658.8044	€0.00	UGX 32,611,631.07	−UGX 81,733.41
Regency FX	4657.8703	€0.00	UGX 32,605,092.40	−UGX 88,272.08
Xe	4598.4900	€0.00	UGX 32,189,430.00	−UGX 503,934.48

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4723.0244	–	UGX 33,061,170.56
Key Currency Cheapest	4711.2168	€0.00	UGX 32,978,517.63	−UGX 82,652.93
Regency FX	4710.2722	€0.00	UGX 32,971,905.39	−UGX 89,265.16
Xe	4625.5700	€0.00	UGX 32,378,990.00	−UGX 682,180.55

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4797.8074	–	UGX 33,584,651.54
Key Currency Cheapest	4785.8128	€0.00	UGX 33,500,689.91	−UGX 83,961.63
Regency FX	4784.8533	€0.00	UGX 33,493,972.98	−UGX 90,678.56
Xe	4653.2300	€0.00	UGX 32,572,610.00	−UGX 1,012,041.54

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	4931.4906	–	UGX 34,520,433.94
Key Currency Cheapest	4919.1618	€0.00	UGX 34,434,132.86	−UGX 86,301.08
Regency FX	4918.1755	€0.00	UGX 34,427,228.77	−UGX 93,205.17
Xe	4648.6500	€0.00	UGX 32,540,550.00	−UGX 1,979,883.94

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
TapTap Send Cheapest	4840.0000	€0.00	UGX 33,880,000.00	–
Xe	4648.6500	€0.00	UGX 32,540,550.00	–
Key Currency No quote collected this day	–	–	–	–
Regency FX No quote collected this day	–	–	–	–

How to send money to Uganda from Finland with the best EUR-UGX rate

Best companies for EUR/UGX transfers