From 4 companies analysed, Regency FX is the cheapest way to send money to Uruguay, giving your recipient 321,816.5 UYU when you send SEK 80,000.
Deposit with bank transfer and use bank deposit for withdrawal to get the most UYU.
| 4 of 4 providers Last updated on 28 September 2026 | |||
| Based on 80,000 SEK transfer Best companies for SEK/UYU transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee 1 094,92 kr 1 SEK = 4.0321 UYU +0.04% vs mid-market | Recipient gets 318 156,33 $ Same day | |
Ways to receive money in Uruguay with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 1 094,92 kr1 SEK = 4.0321 UYU 318 156,33 $You pay80 000,00 kr | |||
| Promoted  Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 3.8403 UYU +4.91% vs mid-market | Recipient gets 307 224,00 $ Minutes - 24 hours | |
Ways to receive money in Uruguay with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 3.8403 UYU 307 224,00 $You pay80 000,00 kr | |||
Run a live search Showing top Sweden to Uruguay deals for 80,000 SEK. 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 SEK 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 SEK you're planning to spend in Uruguay. | |||
Run a live search These are managed services with real human support for large SEK 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 kr 1 SEK = 4.0227 UYU +0.27% vs mid-market | Recipient gets 321 816,50 $ 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 SEK = 4.0227 UYU 321 816,50 $You pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 820,00 kr 1 SEK = 4.0362 UYU -0.06% vs mid-market | Recipient gets 319 587,83 $ Within minutes | |
Ways to receive money in Uruguay with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 820,00 kr1 SEK = 4.0362 UYU 319 587,83 $You pay80 000,00 kr | |||
| 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 1 094,92 kr 1 SEK = 4.0321 UYU +0.04% vs mid-market | Recipient gets 318 156,33 $ Same day | |
Ways to receive money in Uruguay with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 1 094,92 kr1 SEK = 4.0321 UYU 318 156,33 $You pay80 000,00 kr | |||
| Wise Pay via Debit card | Fee 1 943,12 kr 1 SEK = 4.0321 UYU +0.04% vs mid-market | Recipient gets 314 736,27 $ Same day | |
Ways to receive money in Uruguay with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 1 943,12 kr1 SEK = 4.0321 UYU 314 736,27 $You pay80 000,00 kr | |||
| Wise Pay via Credit card | Fee 2 102,98 kr 1 SEK = 4.0321 UYU +0.04% vs mid-market | Recipient gets 314 091,69 $ Same day | |
Ways to receive money in Uruguay with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer 2 102,98 kr1 SEK = 4.0321 UYU 314 091,69 $You pay80 000,00 kr | |||
| Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 3.8403 UYU +4.91% vs mid-market | Recipient gets 307 224,00 $ Minutes - 24 hours | |
Ways to receive money in Uruguay with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 3.8403 UYU 307 224,00 $You pay80 000,00 kr | |||
| Xe Pay via Bank transfer | Fee 0,00 kr 1 SEK = 3.8403 UYU +4.91% vs mid-market | Recipient gets 307 224,00 $ Minutes - 24 hours | |
Ways to receive money in Uruguay with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 3.8403 UYU 307 224,00 $You pay80 000,00 kr | |||
| Xe Pay via Credit card | Fee 0,00 kr 1 SEK = 3.8403 UYU +4.91% vs mid-market | Recipient gets 307 224,00 $ Minutes - 24 hours | |
Ways to receive money in Uruguay with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 3.8403 UYU 307 224,00 $You pay80 000,00 kr | |||
| How Our Results Work Mid-market rate: 1 SEK = 4.0336 UYU Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Uruguay, I suggest picking the cheapest option which is Regency FX.
On a 80,000 SEK 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 SEK/UYU rate.
You can pay for the transfer using bank transfer, debit card, and credit card.
A transfer from your Swedish bank is usually the easiest way to fund the transfer.
Before you can send money to Uruguay, you'll need to verify your account.
Most companies do it with BankID.
If you can't get BankID yet, some companies will take a passport instead (but its less common).
4 companies send money from Sweden to Uruguay, mostly through app, broker, multi-currency account, global account, and online, and a few more ways.
Medium-sized transfers
For a one-off transfer to Uruguay, an online service like Wise is usually the simplest place to start.
Wise charges kr1094.92 to send 80,000 SEK, leaving your recipient with 318,156.33 after a 0.04% markup on SEK/UYU exchange rate.
Regular SEK transfers
For smaller regular transfers, apps are the most convenient and easiest way to send money to Uruguay.
Revolut charges kr820 on a 80,000 SEK transfer and money will arrive in within minutes.
You recipient can withdraw via bank deposit.
In many cases you will need a BankID to verify your account, but a few will do with a passport or drivers licence.
Spending and travelling
A multi-currency account makes sense if you regularly need UYU.
You can convert your kronor in advance and use the balance when needed without extra fees.
Revolut converts SEK 80,000 with a -0.06% exchange-rate markup and holds the UYU in your account.
Paying from business accounts
If your business receives and sends money in Uruguay, a global account keeps the UYU in one place.
You can pay invoices from the balance and convert when needed.
WorldFirst and Airwallex are good options to try.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 321,816.5 UYU.
From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in Uruguay, the recipient can use bank deposit.
Paying from your Swedish bank account
Send SEK using the account and reference shown by the money transfer company.
You may need to use BankID to approve and verify the payment.
Swish is useful for payments within Sweden, but it does not send UYU to Uruguay.
You pay kr80,000.00
$U321,817
Cheapest
You pay kr80,000.00
$U314,736
-$U7,080
You pay kr80,000.00
$U314,092
-$U7,725
Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most of UYU from Sweden.
Cheapest way to send money to Uruguay
The cheapest option for UYU 321,816.5 is Regency FX. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 321,816.5 UYU, which is 0.69% more than the next best option.
Fastest way to send money to Uruguay
With Revolut, a bank transfer deposit and bank deposit payout delivers 319,587.83 UYU in within minutes.
Swish moves money between participating Swedish accounts, it cannot send SEK to Uruguay.
You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to Uruguay over local rails or SWIFT.
A bank can ask for the purpose and source of a large or unusual payment.
Property sales, inheritances and transfers between your own accounts are easier to clear when the documents match the description you gave the bank.
Tell your bank before a time-sensitive payment and keep the sale contract, estate document or account statement ready.
And do not split one large payment into many small ones, since it can trigger more questions.
Sweden has no gift or inheritance tax, so sending a cash gift does not create a Swedish gift-tax return.
Uruguay may have their own rules on receiving monetary gifts.
The final rate controls how much UYU you get for your SEK, so compare it alongside the transfer fee.
Mid-market rate:1 SEK = 4.026467 UYU
We track 4 companies sending SEK to Uruguay, all registered with Finansinspektionen or passported in, with rates refreshed in real time on live searches.
The krona floats, so we compare on what actually arrives, alongside fees and the ways to pay and collect.
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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