Best companies for USD/UYU transfers
4 of 4 providers Last updated on 28 October 2026
Based on 7,000 USD transfer Best companies for USD/UYU transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $95.15 1 USD = 40.2300 UYU -0.16% vs mid-market	Recipient gets $277,782.12 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 bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $95.151 USD = 40.2300 UYU $277,782.12You pay$7,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 38.5717 UYU +4.05% vs mid-market	Recipient gets $270,001.90 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 USD = 38.5717 UYU $270,001.90You pay$7,000.00
Run a live search Showing top United States to Uruguay deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Uruguay.
Run a live search These are managed services with real human support for large USD 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 USD = 40.0568 UYU +0.27% vs mid-market	Recipient gets $280,397.47 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 USD = 40.0568 UYU $280,397.47You pay$7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $40.50 1 USD = 40.1207 UYU +0.11% vs mid-market	Recipient gets $279,219.72 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 $40.501 USD = 40.1207 UYU $279,219.72You 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 $95.15 1 USD = 40.2300 UYU -0.16% vs mid-market	Recipient gets $277,782.12 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 $95.151 USD = 40.2300 UYU $277,782.12You pay$7,000.00
Xe Pay via Bank transfer	Fee $0.00 1 USD = 38.5717 UYU +4.05% vs mid-market	Recipient gets $270,001.90 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 USD = 38.5717 UYU $270,001.90You pay$7,000.00
Xe Pay via Debit card	Fee $35.00 1 USD = 38.5717 UYU +4.05% vs mid-market	Recipient gets $268,651.89 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 $35.001 USD = 38.5717 UYU $268,651.89You pay$7,000.00
Xe Pay via Credit card	Fee $210.00 1 USD = 38.5717 UYU +4.05% vs mid-market	Recipient gets $261,901.84 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 $210.001 USD = 38.5717 UYU $261,901.84You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 40.1652 UYU Updates every 60 minutes.

Why compare

USD/UYU exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Uruguay

Pick a company

If you're sending a one-off transfer, then Regency FX is the best option.

Regency FX was the cheapest on 30 of the 30 days it quoted $7,000 transfers to Uruguay.

For recurring transfers, I'd suggest using an app or a multi-currency account with Revolut.

For large transfers, a broker like Regency FX is the best option.

How much you send will affect the best option for you right now.

Pay for it

You have 3 ways to pay for your transfer to Uruguay, including bank transfer, debit card, and credit card.

Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.

I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).

Check and send

First time round you'll need to confirm who you are.

An SSN isn't required, an ITIN or a foreign passport works with most companies here.

Compare amounts

How much USD are you sending to Uruguay?

How much USD 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	0.04%	$0.00	$20,074.85with bank transfer to bank deposit	+$795.36
$2,000	0.04%	$0.00	$80,299.40with bank transfer to bank deposit	+$3,012.95
$5,000	0.11%	$27.50	$199,499.97with bank transfer to bank deposit	+$4,640.12
$7,000This page	0.27%	$0.00	$280,397.47with bank transfer to bank deposit	+$7,404.98
$10,000	0.27%	$0.00	$400,567.82with bank transfer to bank deposit	+$12,708.57
$50,000	0.25%	$0.00	$2,003,240.75with bank transfer to bank deposit	+$63,368.27
$100,000	0.20%	$0.00	$4,008,489.75with bank transfer to bank deposit	+$128,142.57
$250,000	0.20%	$0.00	$10,021,224.39with bank transfer to bank deposit	+$319,395.51

Mid-market rate: 1 USD = 40.1652 UYU

USD/UYU Exchange Rate History

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

The cheapest way to send USD 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 USD 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.

Understanding USD/UYU exchange rate

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 USD 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 US.

Right now, Regency FX pays 280,397.47 UYU on 7,000 USD, which is 759.13 UYU less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 282,490.21 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 207 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

Regency FXAppeared in 117 comparisons
Cheapest every time
RevolutAppeared in 199 comparisons
Cheapest in 22% of them
WiseAppeared in 207 comparisons
Cheapest in 5% of them

Based on 207 comparisons across 8 amounts over the last 30 days.

Is the cheapest money transfer company always the best?

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 analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most UYU, and it was also the cheapest in 100% of the 117 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Uruguay.

Revolut (today's second cheapest) was the cheapest in only 22% of its comparisons, so it's rarely the cheapest option for transfers to Uruguay.

Ways to send money from the US to Uruguay

There are 4 companies available for sending money from the US to Uruguay, across app, broker, multi-currency account, global account, and online, and more.

For regular transfers home

Money transfer apps

If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.

Revolut charges $40.5 on a $7,000 transfer with 0.11% markup, saves your recipient's details for next time, and UYU arrives in within minutes.

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

Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.

For one-off transfers

Online transfers

For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Uruguay.

Of all online companies listed here, Wise gets you the most UYU per USD.

On a $7,000 transfer, you will get 277,782.12 UYU after a $95.15 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.

But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.

For transfers over $10,000

Currency brokers

For large transfers to Uruguay (e.g. a property purchase, tuition, or moving to Uruguay), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/UYU that gets lower the more you send.

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

It's also good to check Wise since you get a bulk discount on transfers over $25,000.

Business payments from the US

Global accounts

Global accounts are for US businesses paying people abroad.

Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.

Holding & spending currencies

Multi-currency accounts

A multi-currency account like Revolut is the best for holding and receiving UYU.

This is useful for traveling to Uruguay, building up UYU balance, or receiving payments in UYU.

Revolut converts $7,000 at 0.11% markup plus small fee and holds the UYU until you spend it.

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

Ways to fund USD 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 280,397.47 UYU.

Deposit USD by bank transfer, debit card, and credit card.

The simplest way is to pay from your US checking account

Pay by bank transfer using your routing and account numbers.

An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Uruguay.

Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Uruguay.

Your recipient in Uruguay can collect UYU through bank deposit.

1

Bank transfer Bank deposit

You pay $7,000.00

$U280,397

Cheapest
2

Debit card Bank deposit

You pay $7,000.00

$U268,652

-$U11,746
3

Credit card Bank deposit

You pay $7,000.00

$U261,902

-$U18,496

Things to consider before sending USD to Uruguay

The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.

Find the right USD/UYU company

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 280,397.47 UYU, which is 0.42% 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 279,219.72 UYU, with the money arriving in within minutes.

Cash-funded transfers now carry a 1% tax

Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.

Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.

The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.

The $10,000 rule is not a transfer limit

There is no federal cap on how much of your own money you can send electronically abroad.

Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.

Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.

Do not split cash transactions to avoid a report.

You normally have 30 minutes to cancel

The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.

You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.

You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Uruguay?

For transfers over $10,000, Wise is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Uruguay.

While Wise may not always be the cheapest or fastest way to send UYU, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.

Read Review

How we analyze the market

We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Uruguay and United States. 

We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 207 comparisons across 8 amounts.

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

For a deeper understanding of our commitment to integrity and transparency, check out these articles:

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

Related transfer routes

Send money to Uruguay

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Recommendations

Fastest way to send money

Cheapest way to send money

Money transfer companies

Multi-currency accounts

Global business payments

Tools & resources

SWIFT code calculator

Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.1112	–	$280,778.47
Regency FX Cheapest	40.0029	$0.00	$280,020.37	−$758.10
Revolut	40.1604	$40.50	$279,496.06	−$1,282.41
Wise	40.0900	$95.15	$276,815.44	−$3,963.03

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.1266	–	$280,886.49
Regency FX Cheapest	40.0183	$0.00	$280,128.09	−$758.40
Revolut	40.1785	$40.50	$279,621.93	−$1,264.56
Wise	40.2850	$95.15	$278,161.88	−$2,724.61

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.3861	–	$282,702.88
Regency FX Cheapest	40.2771	$0.00	$281,939.58	−$763.30
Revolut	40.1436	$40.50	$279,379.21	−$3,323.67
Wise	40.2550	$95.15	$277,954.74	−$4,748.14

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.4650	–	$283,255.00
Regency FX Cheapest	40.3557	$0.00	$282,490.21	−$764.79
Revolut	40.1924	$40.50	$279,719.02	−$3,535.98
Wise	40.3050	$95.15	$278,299.98	−$4,955.02

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.2969	–	$282,078.21
Regency FX Cheapest	40.1881	$0.00	$281,316.60	−$761.61
Wise	40.4800	$95.15	$279,508.33	−$2,569.88
Revolut	40.2783	$110.50	$277,497.55	−$4,580.66

Sun, Oct 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.2149	–	$281,504.51
Regency FX Cheapest	40.1063	$0.00	$280,744.45	−$760.06
Wise	40.4800	$95.15	$279,508.33	−$1,996.18
Revolut	40.2783	$110.50	$277,497.55	−$4,006.96

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.2720	–	$281,903.85
Regency FX Cheapest	40.1632	$0.00	$281,142.71	−$761.14
Revolut	40.3484	$40.50	$280,804.65	−$1,099.20
Wise	40.4800	$95.15	$279,508.33	−$2,395.52

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.3988	–	$282,791.74
Regency FX Cheapest	40.2897	$0.00	$282,028.20	−$763.54
Revolut	40.2482	$40.50	$280,107.36	−$2,684.38
Wise	40.3550	$95.15	$278,645.22	−$4,146.52

Wed, Oct 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.3348	–	$282,343.64
Regency FX Cheapest	40.2259	$0.00	$281,581.31	−$762.33
Revolut	39.9991	$40.50	$278,373.68	−$3,969.96
Wise	40.1050	$95.15	$276,919.01	−$5,424.63

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.0770	–	$280,538.82
Regency FX Cheapest	39.9688	$0.00	$279,781.37	−$757.45
Revolut	39.9991	$40.50	$278,373.68	−$2,165.14
Wise	40.1050	$95.15	$276,919.01	−$3,619.81

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	39.9777	–	$279,844.01
Regency FX Cheapest	39.8698	$0.00	$279,088.43	−$755.58
Revolut	40.0458	$40.50	$278,698.92	−$1,145.09
Wise	40.1650	$95.15	$277,333.30	−$2,510.71

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.1643	–	$281,150.33
Regency FX Cheapest	40.0559	$0.00	$280,391.23	−$759.10
Wise	40.1700	$95.15	$277,367.82	−$3,782.51
Revolut	40.0777	$110.50	$276,115.61	−$5,034.72

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.1416	–	$280,991.14
Regency FX Cheapest	40.0332	$0.00	$280,232.47	−$758.67
Revolut	40.1167	$40.50	$279,191.98	−$1,799.16
Wise	40.2250	$95.15	$277,747.59	−$3,243.55

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.2970	–	$282,078.74
Regency FX Cheapest	40.1882	$0.00	$281,317.13	−$761.61
Revolut	40.0908	$40.50	$279,011.67	−$3,067.07
Wise	40.2000	$95.15	$277,574.97	−$4,503.77

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.1199	–	$280,839.52
Regency FX Cheapest	40.0116	$0.00	$280,081.25	−$758.27
Revolut	40.0908	$40.50	$279,011.67	−$1,827.85
Wise	40.2000	$95.15	$277,574.97	−$3,264.55

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.1724	–	$281,206.60
Regency FX Cheapest	40.0639	$0.00	$280,447.34	−$759.26
Revolut	40.1067	$40.50	$279,122.63	−$2,083.97
Wise	40.2150	$95.15	$277,678.54	−$3,528.06

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.2235	–	$281,564.53
Regency FX Cheapest	40.1149	$0.00	$280,804.30	−$760.23
Revolut	40.1426	$40.50	$279,372.28	−$2,192.25
Wise	40.2550	$95.15	$277,954.74	−$3,609.79

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.3149	–	$282,204.34
Regency FX Cheapest	40.2061	$0.00	$281,442.38	−$761.96
Wise	40.1550	$95.15	$277,264.25	−$4,940.09
Revolut	40.0031	$110.50	$275,601.23	−$6,603.11

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.3882	–	$282,717.38
Regency FX Cheapest	40.2791	$0.00	$281,954.04	−$763.34
Revolut	40.0435	$40.50	$278,682.97	−$4,034.41
Wise	40.1550	$95.15	$277,264.25	−$5,453.13

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.1584	–	$281,108.46
Regency FX Cheapest	40.0499	$0.00	$280,349.46	−$759.00
Wise	40.1150	$95.15	$276,988.06	−$4,120.40
Revolut No quote collected this day	–	–	–	–

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.0422	–	$280,295.51
Regency FX Cheapest	39.9341	$0.00	$279,538.71	−$756.79
Revolut	40.0320	$40.50	$278,602.52	−$1,692.98
Wise	40.1450	$95.15	$277,195.20	−$3,100.30

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.1508	–	$281,055.67
Regency FX Cheapest	40.0424	$0.00	$280,296.82	−$758.85
Revolut	39.9841	$40.50	$278,269.66	−$2,786.01
Wise	40.0950	$95.15	$276,849.96	−$4,205.71

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.0731	–	$280,511.61
Regency FX Cheapest	39.9649	$0.00	$279,754.23	−$757.38
Revolut	39.9981	$40.50	$278,366.74	−$2,144.87
Wise	40.1050	$95.15	$276,919.01	−$3,592.60

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.0768	–	$280,537.33
Regency FX Cheapest	39.9686	$0.00	$279,779.88	−$757.45
Wise	40.1000	$95.15	$276,884.49	−$3,652.84
Revolut	39.9513	$110.50	$275,244.60	−$5,292.73

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.0180	–	$280,126.03
Regency FX Cheapest	39.9100	$0.00	$279,369.69	−$756.34
Revolut	39.9649	$40.50	$278,136.02	−$1,990.01
Wise	40.1000	$95.15	$276,884.49	−$3,241.54

Compare the best ways to send money from United States to Uruguay

Best companies for USD/UYU transfers

Pick a company

Pay for it

Check and send

Understanding USD/UYU exchange rate

Is the cheapest money transfer company always the best?

Money transfer apps

Online transfers

Currency brokers

Global accounts

Multi-currency accounts

Find the right USD/UYU company

Cash-funded transfers now carry a 1% tax

The $10,000 rule is not a transfer limit

You normally have 30 minutes to cancel

Need to send a large amount of USD to Uruguay?

Send money to Uruguay

Recommendations

Tools & resources

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.1885	–	$281,319.80
Regency FX Cheapest	40.0800	$0.00	$280,560.24	−$759.56
Revolut	39.9851	$40.50	$278,276.59	−$3,043.21
Wise	40.0950	$95.15	$276,849.96	−$4,469.84

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	40.1652	–	$281,156.60
Regency FX Cheapest	40.0568	$0.00	$280,397.47	−$759.13
Revolut	40.1207	$40.50	$279,219.72	−$1,936.88
Wise	40.2300	$95.15	$277,782.12	−$3,374.48