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 = 44.7297 UYU -0.16% vs mid-market	Recipient gets $308,647.01 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 = 44.7297 UYU $308,647.01You pay€7,000.00
Promoted Xe Pay via Debit card	Fee €0.00 1 EUR = 42.8672 UYU +4.09% 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 Italy 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 = 44.5370 UYU +0.27% vs mid-market	Recipient gets $311,759.07 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 = 44.5370 UYU $311,759.07You pay€7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee €62.80 1 EUR = 44.6043 UYU +0.12% vs mid-market	Recipient gets $309,428.97 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 €62.801 EUR = 44.6043 UYU $309,428.97You 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 = 44.7297 UYU -0.16% vs mid-market	Recipient gets $308,647.01 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 = 44.7297 UYU $308,647.01You pay€7,000.00
Wise Pay via iDEAL	Fee €109.70 1 EUR = 44.7297 UYU -0.16% vs mid-market	Recipient gets $308,201.05 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 = 44.7297 UYU $308,201.05You pay€7,000.00
Wise Pay via Debit card	Fee €153.82 1 EUR = 44.7297 UYU -0.16% vs mid-market	Recipient gets $306,227.58 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 = 44.7297 UYU $306,227.58You pay€7,000.00
Wise Pay via Credit card	Fee €195.15 1 EUR = 44.7297 UYU -0.16% vs mid-market	Recipient gets $304,378.90 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 = 44.7297 UYU $304,378.90You pay€7,000.00
Xe Pay via Debit card	Fee €0.00 1 EUR = 42.8672 UYU +4.09% 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 +4.09% 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 +4.09% 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 = 44.6576 UYU Updates every 60 minutes.

Why compare

EUR/UYU exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Italy to Uruguay

Pick a company

For a one-off EUR transfer to Uruguay, I suggest picking the cheapest option which is 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 best option will change depending on how much you actually send, so I suggest to get the best EUR/UYU rate.

Fund your transfer

You have 4 ways to fund your transfer: bank transfer, debit card, credit card, and iDEAL.

Sending money to Uruguay directly with SEPA is expensive, but it's a cheap and quick way to fund your money transfer account.

You can also use a debit card to fund the transfer, including the Postepay card.

Verify and send

First time round you'll need your codice fiscale and a photo ID to verify your account.

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 €5,000 it quoted, and in 100% of all the transfers it quoted.


€500	0.27%	€0.00	$22,284.75with debit card to bank deposit	+$375.16
€1,000	0.11%	€2.80	$44,486.21with bank transfer to bank deposit	+$889.69
€2,000	0.11%	€12.80	$88,651.22with bank transfer to bank deposit	+$1,093.60
€5,000	0.11%	€42.80	$221,282.50with bank transfer to bank deposit	+$3,659.60
€7,000This page	0.27%	€0.00	$311,759.07with bank transfer to bank deposit	+$6,330.87

Mid-market rate: 1 EUR = 44.6576 UYU

EUR/UYU Exchange Rate History

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

Right now, Regency FX pays 311,759.07 UYU on 7,000 EUR, which is 844.02 UYU less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 318,766.53 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 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

Regency FXAppeared in 28 comparisons
Cheapest every time
RevolutAppeared in 78 comparisons
Cheapest in 36% of them
WiseAppeared in 89 comparisons
Cheapest in 6% of them

Based on 94 comparisons across 5 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 36% of its comparisons, so it's rarely the cheapest option for transfers to Uruguay.

Ways to send money from Italy to Uruguay

4 companies send money from Italy to Uruguay. You can send EUR via app, broker, multi-currency account, global account, and online, and more below.

Regular transfers

Money transfer apps

For the regular transfer home, an app like Revolut is the easiest and most convenient option.

Over the past month, Revolut was the cheapest app on 72% of the days it appeared for €7,000 transfers.

Revolut charges €62.8 on a €7,000 transfer, and 309,428.97 UYU lands in within minutes.

For one-off transfers

Online transfers

Outside the euro transfers, a bank transfer passes through intermediary banks, and each one can take a cut along the way.

Online services skip this and use their own network (it’s much cheaper).

Wise delivers 308,647.01 UYU on €7,000 with a €99.73 fee and -0.16% markup.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Sending large sums

Currency brokers

Managed services charge no fees and work on margin instead, and the more you send to Uruguay, the better rate you will get.

Regency FX charges no fee and adds 0.27% on EUR/UYU rate.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €5,000 it quoted.

Travelling and receiving

Multi-currency accounts

If you travel to Uruguay often, or receive payments from there, this is the best option.

Multi-currency accounts let you hold EUR and UYU in one account, and give you local details.

I suggest trying Revolut.

Over the past month, it came out cheapest among multi-currency accounts on 72% of days.

It holds EUR and UYU balances and charges small fees to convert between them.

For business payments

Global accounts

Global accounts are for businesses and freelancers with a partita IVA, paying suppliers abroad, invoicing foreign clients, holding a few currencies.

A few good options are Wise Business, Airwallex, and Payoneer.

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 311,759.07 UYU.

In Italy, you can pay by bank transfer, debit card, credit card, and iDEAL.

Satispay and Bancomat Pay are mainly domestic payment methods, they do not send UYU to Uruguay by themselves.

In Uruguay, the recipient can use bank deposit.

1

Bank transfer Bank deposit

You pay €7,000.00

$U311,759

Cheapest
2

iDEAL Bank deposit

You pay €7,000.00

$U308,201

-$U3,558
3

Debit card Bank deposit

You pay €7,000.00

$U306,228

-$U5,531
4

Credit card Bank deposit

You pay €7,000.00

$U304,379

-$U7,380

Consider this when sending money from Italy to Uruguay

For a transfer from Italy, compare the amount received first. Then check whether you are making a SEPA payment, an extra-SEPA transfer or a cash-agent remittance, because each works differently.

Compare money transfer options

These are the leading options for a €7,000 transfer to Uruguay.

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 311,759.07 UYU, which is 0.75% 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 309,428.97 UYU, with the money arriving in within minutes.

SEPA only covers the first leg

A bonifico can move euros from your Italian bank to the transfer company through SEPA.

Companies like Regency FX then convert the money into UYU and pay your recipient in Uruguay through a local bank, a wallet, or a cash-pickup network.

SEPA may fund the transfer quickly, but the delivery time depends on the local payout method.

Check the agent when paying in person

In Italy, the term "money transfer" often means a cash-agent shop rather than an online bank transfer.

The Banca d'Italia confirms that money remittance must be provided by a bank, electronic money institution or authorised payment institution.

Their Italian agents must appear in the OAM register.

Prepare for anti-money-laundering checks

Italian banks and transfer companies can pause a large, unusual or poorly explained payment while they check its purpose and source.

Use a clear causale and keep the document that explains the money ready.

For property proceeds, tuition or moving savings, tell the bank before the transfer is due.

If a payment-service complaint is not resolved directly, the Arbitro Bancario Finanziario is the Italian financial ombudsman route.

How we analyse the market

Every company here is registered with Banca d'Italia 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 comparisons.

In the past 30 days alone, we analysed 94 comparisons across 5 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 Italy

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Send money to Uruguay

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Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Revolut Cheapest	45.5702	€70.50	$315,778.37	–
Wise	45.4901	€99.73	$313,893.97	–
Regency FX No quote collected this day	–	–	–	–

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.5488	–	$318,841.32
Regency FX Cheapest	45.4258	€0.00	$317,980.45	−$860.87
Revolut	45.6051	€70.50	$316,020.81	−$2,820.51
Wise	45.7295	€99.73	$315,545.90	−$3,295.42

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.6614	–	$319,629.53
Regency FX Cheapest	45.5381	€0.00	$318,766.53	−$863.00
Revolut	45.3795	€70.50	$314,457.12	−$5,172.41
Wise	45.5123	€99.73	$314,047.16	−$5,582.37

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.5630	–	$318,941.20
Regency FX Cheapest	45.4400	€0.00	$318,080.05	−$861.15
Revolut	45.2530	€70.50	$313,580.68	−$5,360.52
Wise	45.3854	€99.73	$313,171.51	−$5,769.69

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	45.0919	–	$315,642.97
Regency FX Cheapest	44.9701	€0.00	$314,790.73	−$852.24
Revolut	45.1787	€70.50	$313,065.60	−$2,577.37
Wise	45.3214	€99.73	$312,729.90	−$2,913.07

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.3510	–	$317,457.34
Regency FX Cheapest	45.2286	€0.00	$316,600.20	−$857.14
Revolut	45.1699	€70.50	$313,004.99	−$4,452.35
Wise	45.2945	€99.73	$312,544.28	−$4,913.06

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.2148	–	$316,503.94
Regency FX Cheapest	45.0928	€0.00	$315,649.38	−$854.56
Revolut	44.8316	€70.50	$310,660.24	−$5,843.70
Wise	44.9617	€99.73	$310,247.87	−$6,256.07

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.8459	–	$313,921.15
Regency FX Cheapest	44.7248	€0.00	$313,073.57	−$847.58
Revolut	44.7714	€70.50	$310,243.09	−$3,678.06
Wise	44.8795	€99.73	$309,680.67	−$4,240.48

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	44.9548	€70.50	$311,514.39	−$2,691.26
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	44.9918	–	$314,942.83
Regency FX Cheapest	44.8704	€0.00	$314,092.49	−$850.34
Revolut	44.9535	€70.50	$311,505.34	−$3,437.49
Wise	45.0802	€99.73	$311,065.55	−$3,877.28

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	44.8333	€70.50	$310,672.14	−$4,753.51
Wise	44.9537	€99.73	$310,192.67	−$5,232.98

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.9025	–	$314,317.44
Regency FX Cheapest	44.7813	€0.00	$313,468.79	−$848.65
Revolut	44.8730	€70.50	$310,947.18	−$3,370.26
Wise	44.9939	€99.73	$310,470.06	−$3,847.38

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.0314	–	$315,219.63
Regency FX Cheapest	44.9098	€0.00	$314,368.53	−$851.09
Revolut	44.9622	€62.80	$311,911.75	−$3,307.88
Wise	45.0770	€99.73	$311,043.47	−$4,176.16

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.2076	–	$316,453.51
Regency FX Cheapest	45.0856	€0.00	$315,599.08	−$854.43
Revolut	45.1200	€62.80	$313,006.69	−$3,446.82
Wise	45.2386	€99.73	$312,158.55	−$4,294.96

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	€132.80	$308,381.03	−$8,736.66

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	44.8577	€62.80	$311,187.09	−$5,543.97
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	44.9226	–	$314,458.24
Regency FX Cheapest	44.8013	€0.00	$313,609.20	−$849.04
Revolut	44.9144	€62.80	$311,580.49	−$2,877.75
Wise	45.0407	€99.73	$310,792.99	−$3,665.25

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	45.1229	–	$315,860.18
Regency FX Cheapest	45.0011	€0.00	$315,007.36	−$852.82
Revolut	44.9320	€62.80	$311,701.97	−$4,158.21
Wise	45.0548	€99.73	$310,890.28	−$4,969.90

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Revolut Cheapest	44.8056	€62.80	$310,825.66	–
Wise	44.9216	€99.73	$309,971.17	–
Regency FX No quote collected this day	–	–	–	–

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	€132.80	$306,899.75	−$7,367.78

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	44.8512	–	$313,958.25
Regency FX Cheapest	44.7301	€0.00	$313,110.57	−$847.68
Revolut	44.7950	€62.80	$310,751.87	−$3,206.38
Wise	44.9381	€99.73	$310,085.02	−$3,873.23

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

Best companies for EUR/UYU transfers