Best companies for PLN/UYU transfers
4 of 4 providers Last updated on 28 October 2026
Based on 30,000 PLN transfer Best companies for PLN/UYU transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee 483,94 zł 1 PLN = 10.1599 UYU -0.17% vs mid-market	Recipient gets 299.880,22 $ 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 483,94 zł1 PLN = 10.1599 UYU 299.880,22 $You pay30.000,00 zł
Promoted Xe Pay via Debit card	Fee 0,00 zł 1 PLN = 9.5951 UYU +5.54% vs mid-market	Recipient gets 287.853,00 $ 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 PLN = 9.5951 UYU 287.853,00 $You pay30.000,00 zł
Run a live search Showing top Poland to Uruguay deals for 30,000 PLN. 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 PLN 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 PLN you're planning to spend in Uruguay.
Run a live search These are managed services with real human support for large PLN 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 zł 1 PLN = 10.1148 UYU +0.27% vs mid-market	Recipient gets 303.443,61 $ 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 PLN = 10.1148 UYU 303.443,61 $You pay30.000,00 zł
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee 275,00 zł 1 PLN = 10.1273 UYU +0.15% vs mid-market	Recipient gets 301.032,50 $ 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 275,00 zł1 PLN = 10.1273 UYU 301.032,50 $You pay30.000,00 zł
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 483,94 zł 1 PLN = 10.1599 UYU -0.17% vs mid-market	Recipient gets 299.880,22 $ 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 483,94 zł1 PLN = 10.1599 UYU 299.880,22 $You pay30.000,00 zł
Xe Pay via Debit card	Fee 0,00 zł 1 PLN = 9.5951 UYU +5.54% vs mid-market	Recipient gets 287.853,00 $ 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 PLN = 9.5951 UYU 287.853,00 $You pay30.000,00 zł

Xe Pay via Bank transfer	Fee 0,00 zł 1 PLN = 9.5951 UYU +5.54% vs mid-market	Recipient gets 287.853,00 $ 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 PLN = 9.5951 UYU 287.853,00 $You pay30.000,00 zł
Xe Pay via Credit card	Fee 0,00 zł 1 PLN = 9.5951 UYU +5.54% vs mid-market	Recipient gets 287.853,00 $ 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 PLN = 9.5951 UYU 287.853,00 $You pay30.000,00 zł
How Our Results Work Mid-market rate: 1 PLN = 10.1422 UYU Updates every 60 minutes.

Why compare

PLN/UYU exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Poland to Uruguay

Pick a company

Start with the cheapest option, which is Regency FX. It will get you the most UYU on a PLN 30,000 transfer.

Regency FX was the cheapest on 29 of the 29 days it quoted zł30,000 transfers to Uruguay.

This heavily depends on how much you send, so I suggest to get the best PLN/UYU rate.

Fund your transfer

You can fund your transfer to Uruguay using bank transfer, debit card, and credit card.

Depending on the transfer company, you can use BLIK, which is the quickest and easiest.

Verify and send

Before you send, you'll need to verify your account.

You'll need a photo ID and your PESEL.

Compare amounts

How much PLN are you sending to Uruguay?

How much PLN 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 PLN 20,000 it quoted, and in 100% of all the transfers it quoted.


2.000 zł	0.33%	0,00 zł	20.211,84 $with debit card to bank deposit	+433,52 $
5.000 zł	0.15%	12,15 zł	50.520,13 $with bank transfer to bank deposit	+1.460,99 $
10.000 zł	0.15%	65,00 zł	100.614,22 $with bank transfer to bank deposit	+2.424,55 $
20.000 zł	0.17%	175,00 zł	200.666,75 $with bank transfer to bank deposit	+5.517,15 $
30.000 złThis page	0.27%	0,00 zł	303.443,61 $with bank transfer to bank deposit	+8.791,05 $

Mid-market rate: 1 PLN = 10.1422 UYU

PLN/UYU Exchange Rate History

Is today a good time to send money from Poland to Uruguay?

The cheapest way to send PLN 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 30,000 PLN transfers to Uruguay.

Each line shows what the recipient gets when you send 30.000 zł, after fees, as quoted by each company. The mid-market line shows what 30.000 zł 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 PLN 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 Poland.

Right now, Regency FX pays 303,443.61 UYU on 30,000 PLN, which is 821.52 UYU less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 312,418.39 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 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

Regency FXAppeared in 29 comparisons
Cheapest every time
RevolutAppeared in 81 comparisons
Cheapest in 42% of them
WiseAppeared in 91 comparisons
Cheapest in 15% 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 42% of its comparisons, so it's rarely the cheapest option for transfers to Uruguay.

Ways to send money from Poland to Uruguay

4 companies send money from Poland to Uruguay, across app, broker, multi-currency account, global account, and online, and more.

Simplest way to send PLN

Money transfer apps

Most transfer apps let you fund transfers via Apple Pay, Google Pay, bank transfer, debit card, and credit card.

Revolut charges 275 PLN on a zł30,000 transfer and delivers 301,032.5 UYU in within minutes, straight to the recipient's bank card or account.

Over the past month, Revolut was the cheapest app on 70% of the days it appeared for zł30,000 transfers.

Mid-size and one-off transfers

Online transfers

Anyone who's done a bank transfer abroad from Poland knows the OUR, SHA, BEN question, who pays the correspondent banks along the way.

Online services like Wise move money inside their own network instead, which is much cheaper and gets you more UYU.

The cheapest way to send money online from Poland to Uruguay is via Wise.

Sending 30,000 PLN gets you 299,880.22 UYU (after 483.94 fee and -0.17% markup).

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.

Converting and spending

Multi-currency accounts

Multi-currency accounts let you hold PLN and UYU in one account.

This is useful for travelling to Uruguay, getting paid in UYU, or pre-converting when PLN/UYU rate is good.

You can convert between them whenever you want, and once you have UYU there are no fees after.

The best multi-currency account for holding PLN and UYU is Revolut.

For example, it converts zł30,000 at 0.15% markup and a small fee.

Over the past month, Revolut came out cheapest among multi-currency accounts on 70% of days.

For freelancers and businesses

Global accounts

Global accounts are for Polish companies doing business abroad.

Companies like Wise Business, Revolut Business, or Airwallex handle recurring payments, invoicing, supplier payments, and more.

Ways to fund PLN and receive UYU in Uruguay

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 303,443.61 UYU.

Deposit PLN through bank transfer, debit card, and credit card.

They can receive UYU via bank deposit.

1

Bank transfer Bank deposit

You pay zł30,000.00

$U303,444

Cheapest
2

Debit card Bank deposit

You pay zł30,000.00

$U287,853

-$U15,591
3

Credit card Bank deposit

You pay zł30,000.00

$U287,853

-$U15,591

Consider this when sending PLN to Uruguay

There are a few nuances when sending money from Poland to Uruguay.

Compare PLN/UYU transfer options

For a 30,000 PLN transfer to Uruguay, these are the cheapest, fastest and easiest options.

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 303,443.61 UYU, which is 0.79% 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 301,032.5 UYU, with the money arriving in within minutes.

BLIK funds PLN deposits only

Some money transfer companies accept BLIK as a deposit method, which then switches to an internal network of bank accounts.

BLIK by itself cannot move money outside the country.

Gifts can need Polish tax paperwork

Sending money abroad is not itself a Polish tax charge.

A gift can still fall under Polish gift-tax rules depending on the recipient's tax position.

The closest family group can qualify for a full exemption.

Where Polish rules apply, a cash gift may need to be reported on form SD-Z2 within six months and documented through a bank, payment account or postal transfer.

The Polish tax authority explains the exemption and current filing conditions.

BFG deposit protection

BFG deposit protection applies to eligible bank deposits.

A non-bank transfer company normally protects customer money through safeguarding instead, so avoid leaving a large account balance there after the transfer.

Check whether the company is authorised in Poland or passported from another EEA country through the KNF registers.

How we analyse the market

Every company here is KNF-registered or passported into Poland, and we check that before anything else.

We track 4 of them on PLN to Uruguay in real time on live comparisons. Polish banks have caught up on rates, so we compare both rather than assuming the bank loses.

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

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

Each goes through our review. 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.

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Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.4109	–	312.328,14 $
Regency FX Cheapest	10.3828	0,00 zł	311.484,85 $	−843,29 $
Revolut	10.4203	275,00 zł	309.743,87 $	−2.584,27 $
Wise	10.4056	483,94 zł	307.132,31 $	−5.195,83 $

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.4358	–	313.073,40 $
Regency FX Cheapest	10.4076	0,00 zł	312.228,10 $	−845,30 $
Revolut	10.4453	275,00 zł	310.488,01 $	−2.585,39 $
Wise	10.4766	483,94 zł	309.227,95 $	−3.845,45 $

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.4421	–	313.264,20 $
Regency FX Cheapest	10.4139	0,00 zł	312.418,39 $	−845,81 $
Revolut	10.3737	275,00 zł	308.358,89 $	−4.905,31 $
Wise	10.4099	483,94 zł	307.259,23 $	−6.004,97 $

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.4109	–	312.327,93 $
Regency FX Cheapest	10.3828	0,00 zł	311.484,64 $	−843,29 $
Revolut No quote collected this day	–	–	–	–
Wise No quote collected this day	–	–	–	–

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.3438	–	310.314,18 $
Regency FX Cheapest	10.3159	0,00 zł	309.476,33 $	−837,85 $
Wise	10.3856	483,94 zł	306.541,99 $	−3.772,19 $
Revolut	10.3198	575,00 zł	303.660,90 $	−6.653,28 $

Sun, 4 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.3228	–	309.683,07 $
Regency FX Cheapest	10.2949	0,00 zł	308.846,93 $	−836,14 $
Wise	10.3856	483,94 zł	306.541,99 $	−3.141,08 $
Revolut	10.3198	575,00 zł	303.660,90 $	−6.022,17 $

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.2846	–	308.538,42 $
Regency FX Cheapest	10.2568	0,00 zł	307.705,37 $	−833,05 $
Revolut	10.2997	275,00 zł	306.157,12 $	−2.381,30 $
Wise	10.3377	483,94 zł	305.128,17 $	−3.410,25 $

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.3805	–	311.415,18 $
Regency FX Cheapest	10.3525	0,00 zł	310.574,36 $	−840,82 $
Revolut	10.3401	275,00 zł	307.359,10 $	−4.056,08 $
Wise	10.3680	483,94 zł	306.022,51 $	−5.392,67 $

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.3304	–	309.910,53 $
Regency FX Cheapest	10.3025	0,00 zł	309.073,77 $	−836,76 $
Revolut	10.2323	275,00 zł	304.154,70 $	−5.755,83 $
Wise	10.2720	483,94 zł	303.188,97 $	−6.721,56 $

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.2394	–	307.180,53 $
Regency FX Cheapest	10.2117	0,00 zł	306.351,14 $	−829,39 $
Revolut	10.2137	275,00 zł	303.603,53 $	−3.577,00 $
Wise	10.2466	483,94 zł	302.439,26 $	−4.741,27 $

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.2506	–	307.518,54 $
Regency FX Cheapest	10.2229	0,00 zł	306.688,24 $	−830,30 $
Revolut	10.2648	275,00 zł	305.121,58 $	−2.396,96 $
Wise	10.2985	483,94 zł	303.971,14 $	−3.547,40 $

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.2541	–	307.623,06 $
Regency FX Cheapest	10.2264	0,00 zł	306.792,48 $	−830,58 $
Wise	10.2561	483,94 zł	302.719,66 $	−4.903,40 $
Revolut	10.2242	575,00 zł	300.846,31 $	−6.776,75 $

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.2507	–	307.522,20 $
Regency FX Cheapest	10.2231	0,00 zł	306.691,89 $	−830,31 $
Revolut	10.2398	275,00 zł	304.378,82 $	−3.143,38 $
Wise	10.2712	483,94 zł	303.165,36 $	−4.356,84 $

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.2862	–	308.585,64 $
Regency FX Cheapest	10.2584	0,00 zł	307.752,46 $	−833,18 $
Wise	10.2613	483,94 zł	302.873,15 $	−5.712,49 $
Revolut No quote collected this day	–	–	–	–

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.2305	–	306.913,98 $
Regency FX Cheapest	10.2028	0,00 zł	306.085,31 $	−828,67 $
Revolut	10.2045	275,00 zł	303.327,77 $	−3.586,21 $
Wise	10.2370	483,94 zł	302.155,91 $	−4.758,07 $

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.3150	–	309.451,47 $
Regency FX Cheapest	10.2872	0,00 zł	308.615,95 $	−835,52 $
Revolut	10.2963	275,00 zł	306.057,25 $	−3.394,22 $
Wise	10.3262	483,94 zł	304.788,74 $	−4.662,73 $

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.3636	–	310.909,50 $
Regency FX Cheapest	10.3357	0,00 zł	310.070,04 $	−839,46 $
Revolut	10.3353	275,00 zł	307.218,20 $	−3.691,30 $
Wise	10.3709	483,94 zł	306.108,11 $	−4.801,39 $

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.3684	–	311.051,76 $
Regency FX Cheapest	10.3404	0,00 zł	310.211,92 $	−839,84 $
Wise	10.3270	483,94 zł	304.812,35 $	−6.239,41 $
Revolut	10.2733	575,00 zł	302.292,20 $	−8.759,56 $

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.3618	–	310.852,59 $
Regency FX Cheapest	10.3338	0,00 zł	310.013,29 $	−839,30 $
Revolut	10.2671	275,00 zł	305.189,31 $	−5.663,28 $
Wise	10.3009	483,94 zł	304.041,98 $	−6.810,61 $

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.3001	–	309.001,53 $
Regency FX Cheapest	10.2722	0,00 zł	308.167,23 $	−834,30 $
Wise	10.2893	483,94 zł	303.699,60 $	−5.301,93 $
Revolut No quote collected this day	–	–	–	–

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.2921	–	308.762,01 $
Regency FX Cheapest	10.2643	0,00 zł	307.928,35 $	−833,66 $
Revolut	10.2842	275,00 zł	305.698,01 $	−3.064,00 $
Wise	10.3182	483,94 zł	304.552,61 $	−4.209,40 $

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.3268	–	309.802,86 $
Regency FX Cheapest	10.2989	0,00 zł	308.966,39 $	−836,47 $
Revolut	10.2771	275,00 zł	305.486,82 $	−4.316,04 $
Wise	10.3113	483,94 zł	304.348,95 $	−5.453,91 $

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.2062	–	306.185,82 $
Regency FX Cheapest	10.1786	0,00 zł	305.359,12 $	−826,70 $
Revolut	10.1823	275,00 zł	302.668,09 $	−3.517,73 $
Wise	10.2147	483,94 zł	301.497,70 $	−4.688,12 $

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	10.1977	–	305.930,22 $
Regency FX Cheapest	10.1701	0,00 zł	305.104,21 $	−826,01 $
Wise	10.2040	483,94 zł	301.181,88 $	−4.748,34 $
Revolut	10.1438	575,00 zł	298.480,22 $	−7.450,00 $

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Revolut Cheapest	10.1740	275,00 zł	302.422,08 $	–
Wise	10.2190	483,94 zł	301.624,62 $	–
Regency FX No quote collected this day	–	–	–	–

How to send money to Uruguay from Poland with the best PLN-UYU rate

Best companies for PLN/UYU transfers