How to send money from Europe to Uganda
Best right now: Instarem. €100.00 gets USh454,000.00 (1 EUR = 4,540.00 UGX). Refreshed 9 Nov, 00:02.
Who pays the most on €100.00 today
- Send moneyInstaremBest dealExchange rate4,540.00+1.94% vs mid-marketTotal feesNoneRecipient getsUSh454,000.00
Instarem's rate of 4,540.00 is 1.94% better than the mid-market rate of 4,453.43, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets USh8,657.17 more than they would at the mid-market rate.
Save up to €7.83 compared with Xoom - Go to TapTap SendTapTap SendExchange rate4,520.00+1.49% vs mid-marketTotal feesNoneRecipient getsUSh452,000.00
TapTap Send's rate of 4,520.00 is 1.49% better than the mid-market rate of 4,453.43, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets USh6,657.17 more than they would at the mid-market rate.
- Go to TransferGoTransferGoExchange rate4,519.46+1.48% vs mid-marketTotal feesNoneRecipient getsUSh451,945.71
TransferGo's rate of 4,519.46 is 1.48% better than the mid-market rate of 4,453.43, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets USh6,602.88 more than they would at the mid-market rate.
- Go to LemFiLemFiExchange rate4,507.52+1.21% vs mid-marketTotal feesNoneRecipient getsUSh450,752.00
LemFi's rate of 4,507.52 is 1.21% better than the mid-market rate of 4,453.43, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets USh5,409.17 more than they would at the mid-market rate.
- Go to AfriChangeAfriChangeExchange rate4,503.75+1.13% vs mid-marketTotal feesNoneRecipient getsUSh450,375.26
AfriChange's rate of 4,503.75 is 1.13% better than the mid-market rate of 4,453.43, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets USh5,032.42 more than they would at the mid-market rate.
- Go to NalaNalaExchange rate4,486.38+0.74% vs mid-marketTotal feesNoneRecipient getsUSh448,637.81
Nala's rate of 4,486.38 is 0.74% better than the mid-market rate of 4,453.43, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets USh3,294.98 more than they would at the mid-market rate.
- Go to SendwaveSendwaveExchange rate4,417.42−0.81% vs mid-marketTotal fees€0.81Recipient getsUSh441,742.46
The exchange rate Sendwave uses is 4,417.42, which is 0.81% lower than the mid-market rate of 4,453.43. That adds €0.81 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you €0.81 compared with the mid-market rate.
- Go to WiseWiseExchange rate4,558.44+2.36% vs mid-marketTotal fees€0.89Recipient getsUSh441,393.75
Wise's rate of 4,558.44 is 2.36% better than the mid-market rate of 4,453.43, so there's no hidden markup in the rate.
They also charge a transfer fee of €3.17.
Altogether, this transfer costs you €0.89 compared with the mid-market rate.
- Go to Western UnionWestern UnionExchange rate4,462.07+0.19% vs mid-marketTotal fees€1.80Recipient getsUSh437,327.58
Western Union's rate of 4,462.07 is 0.19% better than the mid-market rate of 4,453.43, so there's no hidden markup in the rate.
They also charge a transfer fee of €1.99.
Altogether, this transfer costs you €1.80 compared with the mid-market rate.
- Go to RemitlyRemitlyExchange rate4,414.74−0.87% vs mid-marketTotal fees€1.85Recipient getsUSh437,103.41First transfer: USh456,772.73
The exchange rate Remitly uses is 4,414.74, which is 0.87% lower than the mid-market rate of 4,453.43. That adds €0.86 as a hidden exchange-rate markup.
They also charge a transfer fee of €0.99.
Altogether, this transfer costs you €1.85 compared with the mid-market rate.
First-transfer offer: new customers get 4,613.40, so your recipient would get USh456,772.73 on your first transfer. We rank on the standard rate, which is what you'll get every time after that.
- Go to XoomXoomExchange rate4,320.61−2.98% vs mid-marketTotal fees€5.88Recipient getsUSh419,142.34
The exchange rate Xoom uses is 4,320.61, which is 2.98% lower than the mid-market rate of 4,453.43. That adds €2.89 as a hidden exchange-rate markup.
They also charge a transfer fee of €2.99.
Altogether, this transfer costs you €5.88 compared with the mid-market rate.
Step by step
- Compare what your recipient gets
Check the live table on this page. Providers differ on both fee and exchange rate, so rank them by what lands in Uganda, not by the fee alone. Right now the gap between the best and worst option on €100.00 is USh34,857.66.
- Open an account with the provider
Sign up on the provider's app or website. You'll verify your identity once, usually with a passport or national ID card, plus sometimes proof of address. Many new-customer offers give a better rate on your first transfer.
- Add your recipient
Have the recipient's full name and their mobile money number, or bank and account number ready. Double-check the name matches their account exactly; mismatches are the most common reason transfers are held.
- Enter the amount and check the final figure
Type how much you're sending. Before you confirm, check the exact amount your recipient will get on the provider's summary screen, since rates move during the day.
- Pay and track the transfer
Pay with a debit card, Apple Pay or Google Pay, or a SEPA bank transfer. You'll get a reference and status updates; send the reference to your recipient so they can follow it too.
How your recipient gets it in Uganda
- Mobile money: MTN MoMo or Airtel Money
- Directly into a Ugandan bank account
What people send for
- Monthly support for parents and family
- School fees and university costs
- Building or property projects back home
- Weddings, funerals and family emergencies
- Paying staff, suppliers or business costs
The providers, at a glance
Questions
Right now Instarem pays the most: sending €100.00, your recipient gets USh454,000.00 after fees (1 EUR = 4,540.00 UGX). The cheapest provider changes often, so check the live table before each transfer.
Most app-based providers deliver within minutes to a few hours once your account is verified. First transfers can take longer while ID checks complete, and bank payouts outside business hours may land the next working day.
Mobile money: MTN MoMo or Airtel Money. Directly into a Ugandan bank account. Each provider supports different payout options, so check before you send.
Usually the exchange rate. A "zero fee" transfer can still cost more if the provider's rate is further from the mid-market rate. That's why we rank by what your recipient actually gets.
No. Ratenify compares providers; you always send on the provider's own app or website. We never hold your money.