How to send money to Uganda from Nigeria with the best NGN-UGX rate

Afriex is the overall cheapest way to send money from Nigeria out of the 5 options available. It will get you 993,711.70 UGX from a 360,000 NGN transfer.

In Uganda, you can withdraw money using bank deposit.

Use our filters below to find the best transfer option for your needs.

Best companies for NGN/UGX transfers

5 of 5 providers

Last updated on 10 November 2026

Based on 360,000 NGN transfer

Best companies for NGN/UGX transfers

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Showing top Nigeria to Uganda deals for 360,000 NGN. Do a live search with your exact amount for today's best rates.

Africhange

Pay via Bank transfer
Fee ₦0.00 1 NGN = 2.8601 UGX +5.88% vs mid-market Recipient gets UGX 1,029,621.96 Minutes
CheapestFastestOur top pick
Receive to bank account or debit card

Ways to receive money in Uganda with Africhange when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 NGN = 2.8601 UGX
UGX 1,029,621.96You pay₦360,000.00

Afriex

Pay via Bank transfer
Fee ₦0.00 1 NGN = 2.7603 UGX +9.00% vs mid-market Recipient gets UGX 993,711.70 Minutes - 24 hours
0 reviews

Ways to receive money in Uganda with Afriex when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 NGN = 2.7603 UGX
UGX 993,711.70You pay₦360,000.00
Send Money Between PayPal Accounts

PayPal App (P2P Transfer)

Pay via Bank transfer
Fee ₦14,400.00 1 NGN = 2.8513 UGX +6.00% vs mid-market Recipient gets UGX 985,412.57 Minutes
0 reviews

Ways to receive money in Uganda with PayPal App (P2P Transfer) when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes
₦14,400.001 NGN = 2.8513 UGX
UGX 985,412.57You pay₦360,000.00
Send cash via a MoneyGram agent

MoneyGram Agent

Pay via Bank transfer
Fee ₦14,400.00 1 NGN = 2.8513 UGX +6.00% vs mid-market Recipient gets UGX 985,412.57 Minutes - 3 days
0 reviews

Ways to receive money in Uganda with MoneyGram Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
₦14,400.001 NGN = 2.8513 UGX
UGX 985,412.57You pay₦360,000.00
Send cash via a Western Union agent

Western Union Agent

Pay via Bank transfer
Fee ₦10,800.00 1 NGN = 2.8210 UGX +7.00% vs mid-market Recipient gets UGX 985,084.97 Minutes - 5 days
0 reviews

Ways to receive money in Uganda with Western Union Agent when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
₦10,800.001 NGN = 2.8210 UGX
UGX 985,084.97You pay₦360,000.00
How Our Results Work
Mid-market rate: 1 NGN = 3.0333 UGX Updates every 60 minutes.

How to send money from Nigeria to Uganda

Pick a company

Start with the best service, which is Afriex at 993,711.70 UGX for a ₦360,000 transfer.

Afriex was the cheapest on 11 of the 30 days it quoted ₦360,000 transfers to Uganda.

Most of the transfer apps you see advertised only bring money into Nigeria, but companies above can send it out.

Fund your transfer

You have 1 ways to pay, including bank transfer.

A transfer from your banking app is instant and free, and it's how nearly everyone pays.

Verify and send

First time round you'll need your BVN and a photo ID.

Get it done before the day you need to send, since it's the usual reason a first transfer stalls.

Check the rate you're shown against the day's rate before you confirm.

Compare amounts

How much NGN are you sending to Uganda?

How much NGN 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 Afriex was the cheapest in 33% of all the transfers it quoted over the past month.

Cheapest service
₦100,0005.92%₦0.00UGX 285,902.70with bank transfer to bank deposit+UGX 15,723.34
₦250,0005.92%₦0.00UGX 714,756.75with bank transfer to bank deposit+UGX 23,246.82
₦300,0005.92%₦0.00UGX 857,708.10with bank transfer to bank deposit+UGX 27,896.18
₦360,000This page5.88%₦0.00UGX 1,029,621.96with bank transfer to bank deposit+UGX 33,773.21
₦1,000,0005.92%₦0.00UGX 2,859,027.00with bank transfer to bank depositUGX 0.00
₦5,000,0005.92%₦0.00UGX 14,295,135.00with bank transfer to bank depositUGX 0.00
₦10,000,0005.88%₦0.00UGX 28,600,610.00with bank transfer to bank depositUGX 0.00
₦25,000,0005.92%₦0.00UGX 71,475,675.00with bank transfer to bank depositUGX 0.00

Mid-market rate: 1 NGN = 3.0333 UGX

NGN/UGX Exchange Rate History

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

The cheapest way to send NGN 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 Afriex), across 30 days of comparisons for 360,000 NGN transfers to Uganda.

UGX received for ₦360,000, after fees

Tue, 10 Nov 2026Mid-market rateUGX 1,091,990.88 Africhange UGX 1,029,621.96AfrichangeUGX 1,029,621.96AfriexUGX 993,711.70PayPal App (P2P Transfer)UGX 985,412.57

950.00K
1.00M
1.05M
1.10M
1.15M
1.20M
1.25M
At the mid-market rateWith the cheapest optionAfrichangeAfriexPayPal App (P2P Transfer)
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0696 – UGX 1,105,041.24
Africhange Cheapest 2.8663 ₦0.00 UGX 1,031,860.44 −UGX 73,180.80
Afriex 2.7933 ₦0.00 UGX 1,005,587.53 −UGX 99,453.71
PayPal App (P2P Transfer) 2.8854 ₦14,400.00 UGX 997,189.21 −UGX 107,852.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1090 – UGX 1,119,233.16
Afriex Cheapest 2.8292 ₦0.00 UGX 1,018,502.18 −UGX 100,730.98
PayPal App (P2P Transfer) 2.9224 ₦14,400.00 UGX 1,009,996.00 −UGX 109,237.16
Africhange No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1077 – UGX 1,118,754.36
Africhange Cheapest 2.9120 ₦0.00 UGX 1,048,331.88 −UGX 70,422.48
Afriex 2.8280 ₦0.00 UGX 1,018,066.47 −UGX 100,687.89
PayPal App (P2P Transfer) 2.9212 ₦14,400.00 UGX 1,009,563.93 −UGX 109,190.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0356 – UGX 1,092,805.92
Afriex Cheapest 2.7624 ₦0.00 UGX 994,453.39 −UGX 98,352.53
PayPal App (P2P Transfer) 2.8534 ₦14,400.00 UGX 986,148.06 −UGX 106,657.86
Africhange No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0226 – UGX 1,088,140.68
Afriex Cheapest 2.7506 ₦0.00 UGX 990,208.02 −UGX 97,932.66
PayPal App (P2P Transfer) 2.8413 ₦14,400.00 UGX 981,938.15 −UGX 106,202.53
Africhange No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1073 – UGX 1,118,624.76
Afriex Cheapest 2.8276 ₦0.00 UGX 1,017,948.53 −UGX 100,676.23
PayPal App (P2P Transfer) 2.9209 ₦14,400.00 UGX 1,009,446.98 −UGX 109,177.78
Africhange No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1073 – UGX 1,118,624.76
Africhange Cheapest 2.9219 ₦0.00 UGX 1,051,895.88 −UGX 66,728.88
Afriex 2.8276 ₦0.00 UGX 1,017,948.53 −UGX 100,676.23
PayPal App (P2P Transfer) 2.9209 ₦14,400.00 UGX 1,009,446.98 −UGX 109,177.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1057 – UGX 1,118,060.28
Afriex Cheapest 2.8262 ₦0.00 UGX 1,017,434.85 −UGX 100,625.43
PayPal App (P2P Transfer) 2.9194 ₦14,400.00 UGX 1,008,937.60 −UGX 109,122.68
Africhange No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1363 – UGX 1,129,062.60
Africhange Cheapest 2.9382 ₦0.00 UGX 1,057,754.52 −UGX 71,308.08
Afriex 2.8540 ₦0.00 UGX 1,027,446.97 −UGX 101,615.63
PayPal App (P2P Transfer) 2.9481 ₦14,400.00 UGX 1,018,866.09 −UGX 110,196.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1276 – UGX 1,125,938.88
Africhange Cheapest 2.9411 ₦0.00 UGX 1,058,785.92 −UGX 67,152.96
Afriex 2.8461 ₦0.00 UGX 1,024,604.38 −UGX 101,334.50
PayPal App (P2P Transfer) 2.9400 ₦14,400.00 UGX 1,016,047.25 −UGX 109,891.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1567 – UGX 1,136,414.52
Afriex Cheapest 2.8726 ₦0.00 UGX 1,034,137.21 −UGX 102,277.31
PayPal App (P2P Transfer) 2.9673 ₦14,400.00 UGX 1,025,500.46 −UGX 110,914.06
Africhange No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.2178 – UGX 1,158,415.92
Afriex Cheapest 2.9282 ₦0.00 UGX 1,054,158.49 −UGX 104,257.43
PayPal App (P2P Transfer) 3.0248 ₦14,400.00 UGX 1,045,354.53 −UGX 113,061.39
Africhange No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.3048 – UGX 1,189,728.72
Afriex Cheapest 3.0074 ₦0.00 UGX 1,082,653.14 −UGX 107,075.58
PayPal App (P2P Transfer) 3.1065 ₦14,400.00 UGX 1,073,611.20 −UGX 116,117.52
Africhange 2.9375 ₦0.00 UGX 1,057,515.48 −UGX 132,213.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.3048 – UGX 1,189,728.72
Afriex Cheapest 3.0074 ₦0.00 UGX 1,082,653.14 −UGX 107,075.58
PayPal App (P2P Transfer) 3.1065 ₦14,400.00 UGX 1,073,611.20 −UGX 116,117.52
Africhange 2.9503 ₦0.00 UGX 1,062,100.08 −UGX 127,628.64
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.2646 – UGX 1,175,262.48
Afriex Cheapest 2.9708 ₦0.00 UGX 1,069,488.86 −UGX 105,773.62
Africhange 2.9588 ₦0.00 UGX 1,065,178.80 −UGX 110,083.68
PayPal App (P2P Transfer) 3.0687 ₦14,400.00 UGX 1,060,556.86 −UGX 114,705.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.3509 – UGX 1,206,306.36
Afriex Cheapest 3.0493 ₦0.00 UGX 1,097,738.79 −UGX 108,567.57
PayPal App (P2P Transfer) 3.1498 ₦14,400.00 UGX 1,088,570.86 −UGX 117,735.50
Africhange No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.2734 – UGX 1,178,407.80
Africhange Cheapest 3.0529 ₦0.00 UGX 1,099,058.40 −UGX 79,349.40
Afriex 2.9788 ₦0.00 UGX 1,072,351.10 −UGX 106,056.70
PayPal App (P2P Transfer) 3.0770 ₦14,400.00 UGX 1,063,395.20 −UGX 115,012.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.2298 – UGX 1,162,744.20
Africhange Cheapest 3.0145 ₦0.00 UGX 1,085,225.76 −UGX 77,518.44
Afriex 2.9392 ₦0.00 UGX 1,058,097.22 −UGX 104,646.98
PayPal App (P2P Transfer) 3.0361 ₦14,400.00 UGX 1,049,260.37 −UGX 113,483.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.2373 – UGX 1,165,413.96
Africhange Cheapest 3.0463 ₦0.00 UGX 1,096,655.04 −UGX 68,758.92
Afriex 2.9459 ₦0.00 UGX 1,060,526.70 −UGX 104,887.26
PayPal App (P2P Transfer) 3.0430 ₦14,400.00 UGX 1,051,669.56 −UGX 113,744.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1524 – UGX 1,134,864.36
Africhange Cheapest 2.9728 ₦0.00 UGX 1,070,219.52 −UGX 64,644.84
Afriex 2.8687 ₦0.00 UGX 1,032,726.57 −UGX 102,137.79
PayPal App (P2P Transfer) 2.9633 ₦14,400.00 UGX 1,024,101.60 −UGX 110,762.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1524 – UGX 1,134,864.36
Africhange Cheapest 2.9739 ₦0.00 UGX 1,070,609.40 −UGX 64,254.96
Afriex 2.8687 ₦0.00 UGX 1,032,726.57 −UGX 102,137.79
PayPal App (P2P Transfer) 2.9633 ₦14,400.00 UGX 1,024,101.60 −UGX 110,762.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1700 – UGX 1,141,193.52
Africhange Cheapest 2.9696 ₦0.00 UGX 1,069,052.04 −UGX 72,141.48
Afriex 2.8847 ₦0.00 UGX 1,038,486.10 −UGX 102,707.42
PayPal App (P2P Transfer) 2.9798 ₦14,400.00 UGX 1,029,813.03 −UGX 111,380.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1901 – UGX 1,148,442.48
Africhange Cheapest 2.9712 ₦0.00 UGX 1,069,640.64 −UGX 78,801.84
Afriex 2.9030 ₦0.00 UGX 1,045,082.66 −UGX 103,359.82
PayPal App (P2P Transfer) 2.9987 ₦14,400.00 UGX 1,036,354.49 −UGX 112,087.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.1282 – UGX 1,126,161.72
Africhange Cheapest 2.9143 ₦0.00 UGX 1,049,136.84 −UGX 77,024.88
Afriex 2.8467 ₦0.00 UGX 1,024,807.17 −UGX 101,354.55
PayPal App (P2P Transfer) 2.9405 ₦14,400.00 UGX 1,016,248.34 −UGX 109,913.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0486 – UGX 1,097,504.28
Africhange Cheapest 2.8466 ₦0.00 UGX 1,024,792.92 −UGX 72,711.36
Afriex 2.7742 ₦0.00 UGX 998,728.89 −UGX 98,775.39
PayPal App (P2P Transfer) 2.8657 ₦14,400.00 UGX 990,387.86 −UGX 107,116.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0120 – UGX 1,084,302.00
Africhange Cheapest 2.7895 ₦0.00 UGX 1,004,213.16 −UGX 80,088.84
Afriex 2.7409 ₦0.00 UGX 986,714.82 −UGX 97,587.18
PayPal App (P2P Transfer) 2.8312 ₦14,400.00 UGX 978,474.12 −UGX 105,827.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0358 – UGX 1,092,875.76
Africhange Cheapest 2.8466 ₦0.00 UGX 1,024,792.92 −UGX 68,082.84
Afriex 2.7625 ₦0.00 UGX 994,516.94 −UGX 98,358.82
PayPal App (P2P Transfer) 2.8536 ₦14,400.00 UGX 986,211.09 −UGX 106,664.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0422 – UGX 1,095,188.76
Africhange Cheapest 2.8466 ₦0.00 UGX 1,024,792.92 −UGX 70,395.84
Afriex 2.7684 ₦0.00 UGX 996,621.77 −UGX 98,566.99
PayPal App (P2P Transfer) 2.8597 ₦14,400.00 UGX 988,298.34 −UGX 106,890.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0370 – UGX 1,093,314.24
Africhange Cheapest 2.8456 ₦0.00 UGX 1,024,421.40 −UGX 68,892.84
Afriex 2.7637 ₦0.00 UGX 994,915.96 −UGX 98,398.28
PayPal App (P2P Transfer) 2.8548 ₦14,400.00 UGX 986,606.77 −UGX 106,707.47
Exchange rateFeeRecipient getsDifference
Mid-market rate 3.0333 – UGX 1,091,990.88
Africhange Cheapest 2.8601 ₦0.00 UGX 1,029,621.96 −UGX 62,368.92
Afriex 2.7603 ₦0.00 UGX 993,711.70 −UGX 98,279.18
PayPal App (P2P Transfer) 2.8513 ₦14,400.00 UGX 985,412.57 −UGX 106,578.31

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send ₦360,000, after fees, as quoted by each company. The mid-market line shows what ₦360,000 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 NGN 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 UGX on every transfer from Nigeria.

Right now, Afriex pays 993,711.70 UGX on 360,000 NGN, which is 98,279.18 UGX less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 1,099,058.40 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.

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 235 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. AfrichangeAppeared in 182 comparisons

    Cheapest in 94% of them

  2. AfriexAppeared in 115 comparisons

    Cheapest in 33% of them

  3. PayPal App (P2P Transfer)Appeared in 115 comparisons

    Never the cheapest

Based on 235 comparisons across 8 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 Afriex is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Nigeria to Uganda

There are 5 money transfer services sending NGN to Uganda.

Cheapest way to send NGN

Apps and online transfers

You can send NGN to Uganda online or through the app.

The cheapest way is Afriex, it will get you 993,711.70 UGX for ₦360,000.

In our comparisons over the past month, it was the cheapest online service on 11 of the 30 days it quoted.

To get the most out of your transfer, deposit with a bank transfer and receive with a bank deposit.

Ways to fund NGN and receive UGX in Uganda

With Afriex, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending ₦360,000 gives your recipient 993,711.70 UGX.

For paying in NGN, you can use bank transfer.

I suggest funding the NGN side by bank transfer

Use bank transfer to add NGN from your Nigerian account.

NIP moves the money to the specialist within Nigeria, then the specialist handles the cross-border transfer to Uganda over internal network.

They can receive UGX using bank deposit.

To receive money as bank deposit (straight to their bank account), enter their bank and account details in Uganda.

  1. 1
    Bank transfer Bank deposit

    You pay ₦360,000.00

    USh1,029,622

    Cheapest

Things to know before sending NGN to Uganda

Sending money out of Nigeria is an access-to-FX problem first. The cheapest quote only matters if the company can legally accept NGN from a Nigerian resident.

Compare the available NGN/UGX options

There are 5 companies available for a ₦360,000 transfer to Uganda, so the shortlist is smaller than it is for money coming into Nigeria.

Cheapest way to send money to Uganda

The cheapest option is Afriex, funded by bank transfer with bank deposit for the payout. Your recipient gets 993,711.70 UGX, which is 0.84% more than the next best option.

Fastest way to send money to Uganda

The fastest option is PayPal App (P2P Transfer). Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 985,412.57 UGX in minutes.

NIP stops at the Nigerian border

NIP can move NGN from your bank to the transfer company within Nigeria, but it does not send the money to Uganda.

The company still needs an approved cross-border route for the conversion and payout.

For a bank wire, money already held in a domiciliary account is generally easier to document than foreign currency bought informally and deposited as cash.

Check the CBN licence

Use the CBN's licensed institution records and confirm that the service is authorised for money transfers.

Do not send naira to a personal account or an unknown USDT seller because the quoted rate is better.

If the transfer fails, there may be no real way to recover it.

How we analyse the market

Only companies licensed to send money out of Nigeria make this table, which rules out most of the apps you'll see advertised.

In the past 30 days alone, we analysed 235 comparisons across 8 amounts.

This page covers the cheapest and fastest options for NGN/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.

We track 5 of them on NGN to UGX, comparing rates, fees and how the money is paid in and collected. Each goes through our review first.

Rates here move daily, so ours refresh in real time on live searches. More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.