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 = 44.7337 UYU -0.16% vs mid-market	Recipient gets $308,674.61 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 = 44.7337 UYU $308,674.61You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 42.8672 UYU +4.10% 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 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 = 44.5423 UYU +0.27% vs mid-market	Recipient gets $311,795.87 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 = 44.5423 UYU $311,795.87You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €70.50 1 EUR = 44.6167 UYU +0.10% vs mid-market	Recipient gets $309,171.70 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 €70.501 EUR = 44.6167 UYU $309,171.70You 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 = 44.7337 UYU -0.16% vs mid-market	Recipient gets $308,674.61 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 = 44.7337 UYU $308,674.61You pay€7,000.00
Wise Pay via iDEAL	Fee €109.70 1 EUR = 44.7337 UYU -0.16% vs mid-market	Recipient gets $308,228.61 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 = 44.7337 UYU $308,228.61You pay€7,000.00
Wise Pay via Debit card	Fee €153.82 1 EUR = 44.7337 UYU -0.16% vs mid-market	Recipient gets $306,254.96 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 = 44.7337 UYU $306,254.96You pay€7,000.00
Wise Pay via Credit card	Fee €195.15 1 EUR = 44.7337 UYU -0.16% vs mid-market	Recipient gets $304,406.12 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 credit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer €195.151 EUR = 44.7337 UYU $304,406.12You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 42.8672 UYU +4.10% 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 +4.10% 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 +4.10% 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 = 44.6629 UYU Updates every 60 minutes.

Why compare

EUR/UYU exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Finland to Uruguay

Pick a company

For a one-off EUR transfer to Uruguay, start with Regency FX.

Regency FX was the cheapest on 28 of the 28 days it quoted €7,000 transfers to Uruguay.

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 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 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 €2,000 it quoted, and in 100% of all the transfers it quoted.


€500	0.24%	€0.00	$22,282.75with debit card to bank deposit	+$470.82
€2,000	0.11%	€13.00	$88,655.38with bank transfer to bank deposit	+$1,938.39
€7,000This page	0.27%	€0.00	$311,795.87with bank transfer to bank deposit	+$6,379.97

Mid-market rate: 1 EUR = 44.6629 UYU

EUR/UYU Exchange Rate History

Is today a good time to send money from Finland 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 Finland.

Right now, Regency FX pays 311,795.87 UYU on 7,000 EUR, which is 844.13 UYU less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 318,770.39 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 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

Regency FXAppeared in 28 comparisons
Cheapest every time
RevolutAppeared in 53 comparisons
Cheapest in 21% of them
WiseAppeared in 60 comparisons
Cheapest in 7% of them

Based on 62 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 Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Revolut (today's second cheapest) was the cheapest in only 21% of its comparisons, so it's rarely the cheapest option for transfers to Uruguay.

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.

Usually the cheapest

Online transfers

Companies like Wise will get you 308,674.61 UYU on a €7,000 transfer.

In our comparisons over the past month, it was the cheapest online service on 27 of the 28 days it quoted.

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.

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 309,171.7 UYU arrives in within minutes.

Over the past month, Revolut was the cheapest app on 71% of the days it appeared for €7,000 transfers.

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 309,171.7 UYU (€70.5 in fees and 0.1% markup).

This is especially useful for travel since you are spending in UYU (no extra fees from Revolut, only local ATMs).

Over the past month, it came out cheapest among multi-currency accounts on 71% of days.

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.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €2,000 it quoted.

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 311,795.87 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

$U311,796

Cheapest
2

iDEAL Bank deposit

You pay €7,000.00

$U308,229

-$U3,567
3

Debit card Bank deposit

You pay €7,000.00

$U306,255

-$U5,541
4

Credit card Bank deposit

You pay €7,000.00

$U304,406

-$U7,390

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

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 311,795.87 UYU, which is 0.84% more than the next best option.

Fastest

Revolut delivers 309,171.7 UYU in within minutes when you pay by bank transfer and choose bank deposit.

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 Uruguay.

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 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.

In the past 30 days alone, we analysed 62 comparisons across 3 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.

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 Uruguay

Send money from United States to Uruguay Send money from Spain to Uruguay Send money from Brazil to Uruguay Send money from Germany 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	45.5013	–	$318,509.11
Regency FX Cheapest	45.3784	€0.00	$317,649.13	−$859.98
Revolut	45.5653	€70.50	$315,744.98	−$2,764.13
Wise	45.4781	€99.73	$313,811.17	−$4,697.94

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.5513	–	$318,859.32
Regency FX Cheapest	45.4283	€0.00	$317,998.40	−$860.92
Revolut	45.6057	€70.50	$316,024.98	−$2,834.34
Wise No quote collected this day	–	–	–	–

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.6619	–	$319,633.40
Regency FX Cheapest	45.5386	€0.00	$318,770.39	−$863.01
Revolut	45.3945	€70.50	$314,561.44	−$5,071.96
Wise No quote collected this day	–	–	–	–

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.5615	–	$318,930.62
Regency FX Cheapest	45.4385	€0.00	$318,069.51	−$861.11
Revolut	45.2584	€70.50	$313,618.28	−$5,312.34
Wise	45.3814	€99.73	$313,143.91	−$5,786.71

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	45.2898	€140.50	$310,665.39	−$6,936.45

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	€140.50	$310,634.22	−$6,321.67

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0913	–	$315,639.27
Regency FX Cheapest	44.9696	€0.00	$314,787.04	−$852.23
Revolut	45.1831	€70.50	$313,096.36	−$2,542.91
Wise	45.3214	€99.73	$312,729.90	−$2,909.37

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.3217	–	$317,251.59
Regency FX Cheapest	45.1993	€0.00	$316,395.01	−$856.58
Revolut	45.1744	€70.50	$313,035.67	−$4,215.92
Wise	45.2642	€99.73	$312,335.20	−$4,916.39

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.2412	–	$316,688.60
Regency FX Cheapest	45.1191	€0.00	$315,833.54	−$855.06
Revolut	44.8466	€70.50	$310,764.19	−$5,924.41
Wise	44.9778	€99.73	$310,358.96	−$6,329.64

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.8629	–	$314,040.59
Regency FX Cheapest	44.7418	€0.00	$313,192.68	−$847.91
Revolut	44.7672	€70.50	$310,213.98	−$3,826.61
Wise	44.8935	€99.73	$309,777.27	−$4,263.32

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.8865	–	$314,205.65
Regency FX Cheapest	44.7653	€0.00	$313,357.30	−$848.35
Revolut	44.9564	€70.50	$311,525.49	−$2,680.16
Wise	45.0932	€99.73	$311,155.26	−$3,050.39

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	€140.50	$307,765.19	−$7,247.74

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.9767	–	$314,836.89
Regency FX Cheapest	44.8553	€0.00	$313,986.83	−$850.06
Revolut	44.9499	€70.50	$311,480.32	−$3,356.57
Wise	45.0701	€99.73	$310,995.86	−$3,841.03

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0608	–	$315,425.65
Regency FX Cheapest	44.9391	€0.00	$314,574.00	−$851.65
Revolut	44.8325	€70.50	$310,666.58	−$4,759.07
Wise	44.9537	€99.73	$310,192.67	−$5,232.98

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.9045	–	$314,331.59
Paysend Cheapest	44.7220	€0.00	$313,054.18	−$1,277.41
Wise	44.9959	€99.73	$310,483.86	−$3,847.73
Regency FX No quote collected this day	–	–	–	–
Revolut No quote collected this day	–	–	–	–

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0418	–	$315,292.90
Regency FX Cheapest	44.9202	€0.00	$314,441.61	−$851.29
Revolut	44.9638	€70.50	$311,576.66	−$3,716.24
Wise	45.0911	€99.73	$311,140.76	−$4,152.14

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.2178	–	$316,524.77
Regency FX Cheapest	45.0957	€0.00	$315,670.15	−$854.62
Revolut	45.1150	€70.50	$312,624.49	−$3,900.28
Wise	45.2466	€99.73	$312,213.76	−$4,311.01

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	44.9177	€140.50	$308,113.25	−$9,004.44

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.2473	–	$316,731.06
Regency FX Cheapest	45.1251	€0.00	$315,875.88	−$855.18
Revolut	44.8627	€70.50	$310,876.37	−$5,854.69
Wise	44.9816	€99.73	$310,385.19	−$6,345.87

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0949	–	$315,664.13
Regency FX Cheapest	44.9731	€0.00	$314,811.83	−$852.29
Wise	45.0451	€99.73	$310,823.35	−$4,840.78
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.9261	–	$314,483.03
Regency FX Cheapest	44.8048	€0.00	$313,633.92	−$849.11
Revolut	44.9068	€70.50	$311,181.94	−$3,301.09
Wise	45.0467	€99.73	$310,834.39	−$3,648.64

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0915	–	$315,640.42
Regency FX Cheapest	44.9697	€0.00	$314,788.19	−$852.23
Revolut	44.9100	€70.50	$311,203.60	−$4,436.82
Wise	45.0267	€99.73	$310,696.39	−$4,944.03

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.8923	–	$314,246.09
Regency FX Cheapest	44.7711	€0.00	$313,397.63	−$848.46
Revolut	44.8060	€70.50	$310,483.43	−$3,762.66
Wise	44.9296	€99.73	$310,026.37	−$4,219.72

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	44.7020	€140.50	$306,633.26	−$7,634.27

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Revolut Cheapest	44.7930	€70.50	$310,393.10	–
Wise	44.9421	€99.73	$310,112.62	–
Regency FX No quote collected this day	–	–	–	–

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

Best companies for EUR/UYU transfers