How to send money from US to Uganda
Best right now: Instarem. $100.00 gets USh407,500.00 (1 USD = 4,075.00 UGX). Refreshed 9 Nov, 00:01.
Who pays the most on $100.00 today
- Send moneyInstaremBest dealExchange rate4,075.00+2.19% vs mid-marketTotal feesNoneRecipient getsUSh407,500.00
Instarem's rate of 4,075.00 is 2.19% better than the mid-market rate of 3,987.66, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets USh8,733.53 more than they would at the mid-market rate.
Save up to $22.45 compared with Western Union - Go to TapTap SendTapTap SendExchange rate4,070.00+2.06% vs mid-marketTotal feesNoneRecipient getsUSh407,000.00
TapTap Send's rate of 4,070.00 is 2.06% better than the mid-market rate of 3,987.66, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets USh8,233.53 more than they would at the mid-market rate.
- Go to LemFiLemFiExchange rate4,064.45+1.93% vs mid-marketTotal feesNoneRecipient getsUSh406,445.00
LemFi's rate of 4,064.45 is 1.93% better than the mid-market rate of 3,987.66, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets USh7,678.53 more than they would at the mid-market rate.
- Go to AfriChangeAfriChangeExchange rate4,043.77+1.41% vs mid-marketTotal feesNoneRecipient getsUSh404,377.22
AfriChange's rate of 4,043.77 is 1.41% better than the mid-market rate of 3,987.66, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets USh5,610.75 more than they would at the mid-market rate.
- Go to SendwaveSendwaveExchange rate4,034.62+1.18% vs mid-marketTotal feesNoneRecipient getsUSh403,462.00
Sendwave's rate of 4,034.62 is 1.18% better than the mid-market rate of 3,987.66, so there's no hidden markup in the rate.
They charge no transfer fee.
Altogether, your recipient gets USh4,695.53 more than they would at the mid-market rate.
- Go to NalaNalaExchange rate4,014.59+0.68% vs mid-marketTotal feesNoneRecipient getsUSh401,459.30
Nala's rate of 4,014.59 is 0.68% better than the mid-market rate of 3,987.66, so there's no hidden markup in the rate.
They don't publish a separate transfer fee for this amount.
Altogether, your recipient gets USh2,692.84 more than they would at the mid-market rate.
- Go to GreyGreyExchange rate4,004.11+0.41% vs mid-marketTotal fees$0.59Recipient getsUSh396,406.89
Grey's rate of 4,004.11 is 0.41% better than the mid-market rate of 3,987.66, so there's no hidden markup in the rate.
They also charge a transfer fee of $1.00.
Altogether, this transfer costs you $0.59 compared with the mid-market rate.
- Go to RemitlyRemitlyExchange rate3,982.09−0.14% vs mid-marketTotal fees$3.13Recipient getsUSh386,302.55First transfer: USh391,562.43
The exchange rate Remitly uses is 3,982.09, which is 0.14% lower than the mid-market rate of 3,987.66. That adds $0.14 as a hidden exchange-rate markup.
They also charge a transfer fee of $2.99.
Altogether, this transfer costs you $3.13 compared with the mid-market rate.
First-transfer offer: new customers get 4,036.31, so your recipient would get USh391,562.43 on your first transfer. We rank on the standard rate, which is what you'll get every time after that.
- Go to WiseWiseExchange rate4,089.02+2.54% vs mid-marketTotal fees$6.77Recipient getsUSh371,773.70
Wise's rate of 4,089.02 is 2.54% better than the mid-market rate of 3,987.66, so there's no hidden markup in the rate.
They also charge a transfer fee of $9.08.
Altogether, this transfer costs you $6.77 compared with the mid-market rate.
- Go to XoomXoomExchange rate3,850.52−3.44% vs mid-marketTotal fees$7.29Recipient getsUSh369,688.88
The exchange rate Xoom uses is 3,850.52, which is 3.44% lower than the mid-market rate of 3,987.66. That adds $3.30 as a hidden exchange-rate markup.
They also charge a transfer fee of $3.99.
Altogether, this transfer costs you $7.29 compared with the mid-market rate.
- Go to OAPayOAPayExchange rate3,570.00−10.47% vs mid-marketTotal fees$10.47Recipient getsUSh357,000.00
The exchange rate OAPay uses is 3,570.00, which is 10.47% lower than the mid-market rate of 3,987.66. That adds $10.47 as a hidden exchange-rate markup.
They charge no transfer fee.
Altogether, this transfer costs you $10.47 compared with the mid-market rate.
- Go to Western UnionWestern UnionExchange rate3,456.04−13.33% vs mid-marketTotal fees$20.26Recipient getsUSh317,989.85
The exchange rate Western Union uses is 3,456.04, which is 13.33% lower than the mid-market rate of 3,987.66. That adds $12.27 as a hidden exchange-rate markup.
They also charge a transfer fee of $7.99.
Altogether, this transfer costs you $20.26 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 USh89,510.15.
- Open an account with the provider
Sign up on the provider's app or website. You'll verify your identity once, usually with a US driver's licence, state ID or passport, and often your Social Security number. 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 bank account (ACH), debit card or, with some providers, a credit card. 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 USh407,500.00 after fees (1 USD = 4,075.00 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.