Usually the cheapest
Online transfers
Companies like Wise will get you 318,064.5 UYU on €7,000 transfer.
If it's the only time you send money to Uruguay, then it's the best option.
For recurring transfers, an app is a bit more convenient.
How to send money to Uruguay from Finland with the best EUR-UYU rate
We’ve compared and analysed 4 money transfer companies in Finland.
| 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 = 46.0945 UYU +0.01% vs mid-market | Recipient gets $318,064.50 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 = 46.0945 UYU $318,064.50You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 44.1674 UYU +4.28% 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 Finland 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 = 45.9743 UYU +0.27% vs mid-market | Recipient gets $321,819.89 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 = 45.9743 UYU $321,819.89You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 45.9717 UYU +0.28% vs mid-market | Recipient gets $318,560.65 Within minutes | |
Ways to receive money in Uruguay with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 45.9717 UYU $318,560.65You 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 = 46.0945 UYU +0.01% vs mid-market | Recipient gets $318,064.50 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 = 46.0945 UYU $318,064.50You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €109.70 1 EUR = 46.0945 UYU +0.01% vs mid-market | Recipient gets $317,604.93 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 = 46.0945 UYU $317,604.93You pay€7,000.00 | |||
| Wise Pay via Debit card | Fee €153.82 1 EUR = 46.0945 UYU +0.01% vs mid-market | Recipient gets $315,571.24 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 = 46.0945 UYU $315,571.24You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €195.15 1 EUR = 46.0945 UYU +0.01% vs mid-market | Recipient gets $313,666.16 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 = 46.0945 UYU $313,666.16You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 44.1674 UYU +4.28% 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 +4.28% 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 +4.28% 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 = 46.098736 UYU Updates every 60 minutes. | |||
Transfer details
Transfer details
How to send money from Finland to Uruguay
Pick a company
For a one-off transfer to Uruguay, start with Regency FX.
On a 7,000 EUR transfer, Regency FX delivers the most UYU.
The cheapest option depends on the amount, so I suggest 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.
Select how you want the recipient to pick up the money. For transfers to Uruguay they can receive it via bank deposit.
Verify and send
If it's your first time using the service, you will need to verify your account.
This usually takes a a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
Ways to send money from Finland to Uruguay
4 companies send money from Finland to Uruguay, mostly through app, broker, multi-currency account, global account, and online, and a few more ways.
For regular transfers
Money transfer apps
For the regular smaller transfer, apps are convenient and cheap.
Revolut charges €70.5 on a €7,000 transfer, and 318,560.65 UYU arrives in within minutes.
In Uruguay they can receive money via bank deposit.
Moving money between your own accounts
Multi-currency accounts
Companies like Revolut let you hold EUR and UYU balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to UYU with Revolut gets you 318,560.65 UYU (€70.5 in fees and 0.28% markup).
This is especially useful travel since you are spending in UYU (no extra fees from Revolut, only local ATMs).
For freelancers and SMEs
Global accounts
Global accounts are for companies and freelancers making payments to Uruguay.
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 Uruguay. They charge no fees and add a markup on the rate.
Regency FX charges no fee but adds 0.27% markup on top of the EUR/UYU rate.
Ways to fund EUR and receive UYU in Uruguay
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 321,819.89 UYU.
To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and ideal.
MobilePay and Siirto are useful for payments within Finland, but they do not send money to Uruguay directly.
For withdrawals in Uruguay, use bank deposit.
Receive UYU
The name should match the account holder's bank record, so double check it before sending.
- 1 Bank transfer Bank deposit
You pay €7,000.00
$U321,820
Cheapest
- 2 Ideal Bank deposit
You pay €7,000.00
$U317,605
-$U4,215
- 3 Debit card Bank deposit
You pay €7,000.00
$U315,571
-$U6,249
- 4 Credit card Bank deposit
You pay €7,000.00
$U313,666
-$U8,154
What to consider before sending money from Finland to Uruguay
For a transfer from Finland, compare the UYU received and check whether the payment is a taxable gift rather than ordinary family support.
Compare EUR/UYU transfer options
Compare EUR/UYU transfer options
For a €7,000 transfer to Uruguay, these are the current cheapest, fastest and easiest options.
Cheapest
Regency FX is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 321,819.89 UYU, which is 1.01% more than the next best option.
Fastest
Revolut delivers 318,560.65 UYU in within minutes when you pay by bank transfer and choose bank deposit.
Sending a gift from Finland can trigger gift tax
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
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 Uruguay.
Safety measures in Finland
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.
Finding the best rate to send money from Finland to Uruguay
The exchange rate has a direct impact on how much UYU your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.
Mid-market rate:1 EUR = 46.135774 UYU
How we analyse the market
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 4 of them on EUR to Uruguay, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.
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.
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