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Send money from United States to Uganda(USD → UGX)
USD
UGX|Updated recentlyMid-market 3769.6308Cheapest todayof 8 providers
InstaReM
Rate 3735.3272 · Fee free
You send
$1,000
Recipient gets
USh3,735,327
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from United States to Uganda in May 2026 is InstaReM, which delivers 3,735,327.17 UGX on a 1,000 USD transfer with a fee of zero.
Last reviewed: by Awais Imran, Reviews Editor
→
Rates are typical right now
38th percentile
Based on 55 days of data (2026-03-18 to 2026-05-20)
Today's best
USh373,548
InstaReM
55-day avg
1 USD = 3705.58 UGX
Best rate
3756.50
2026-03-18 · InstaReM
Worst rate
3688.09
2026-05-17 · Ria Money Transfer
What is the cheapest way to send USD to UGX?
Sending $1,000 from United States to Uganda. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 3735.3272·Fee Free·0.91% markup
↓ 0.6% over 45dAvg: 3708.48 UGX (+0.7% vs avg)Range: 3654.24–3756.50
1
InstaReMBest value
1-3 business days0.91% markup
↓ 0.6% over 45dAvg: 3708.48 UGX (+0.7% vs avg)Range: 3654.24–3756.50
3735.3272
Free
USh3,735,327.17
Rate 3710.0706·Fee Free·1.58% markup
Rate up 0.5%
↑ 0.5% over 7dAvg: 3714.29 UGX (-0.1% vs avg)Range: 3690.00–3730.00
2
Under 3 minutes (95% of transfers)1.58% markup
Rate up 0.5%
↑ 0.5% over 7dAvg: 3714.29 UGX (-0.1% vs avg)Range: 3690.00–3730.00
3710.0706
Free
USh3,710,070.65
Rate 3763.2224·Fee $17.74·0.17% markup
→ 0.0% over 55dAvg: 3731.47 UGX (+0.8% vs avg)Range: 3689.05–3766.20
3
3763.2224
$17.74
USh3,696,462.88
Rate 3688.2068·Fee $0.75·2.16% markup
Best rate 46 of 55 days
↓ 0.3% over 54dAvg: 3697.72 UGX (-0.3% vs avg)Range: 3688.09–3699.15
4
Minutes to 2 days2.16% markup
Best rate 46 of 55 days
↓ 0.3% over 54dAvg: 3697.72 UGX (-0.3% vs avg)Range: 3688.09–3699.15
3688.2068
$0.75
USh3,685,440.63
Rate 3677.6518·Fee $2.99·2.44% markup
↓ 0.1% over 45dAvg: 3655.44 UGX (+0.6% vs avg)Range: 3619.15–3695.33
5
Minutes to 3-5 days2.44% markup
↓ 0.1% over 45dAvg: 3655.44 UGX (+0.6% vs avg)Range: 3619.15–3695.33
3677.6518
$2.99
USh3,666,655.64
Rate 3740.6047·Fee $30.18·0.77% markup
Rate 3582.6571·Fee $3.99·4.96% markup
↑ 0.1% over 54dAvg: 3556.12 UGX (+0.7% vs avg)Range: 3512.76–3599.68
7
Minutes to 3 days4.96% markup
↑ 0.1% over 54dAvg: 3556.12 UGX (+0.7% vs avg)Range: 3512.76–3599.68
3582.6571
$3.99
USh3,568,362.32
Rate 3739.4738·Fee Free·0.80% markup
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Sending money from United States to Uganda? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best UGX amount today.
Whether you're supporting family in Uganda or paying for business services, finding the cheapest way to send money from United States matters. Exchange rate markups and transfer fees add up — especially on regular transfers. Our real-time comparison helps you cut costs by showing the exact amount your recipient gets from each provider.
Which provider offers the best USD to UGX rate?
InstaReM
4.0Exchange rate
3735.3272
Fee
Free
Recipient gets
USh3,735,327.17
Speed
1-3 business days
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the United States to Uganda route.
Cheapest transfer
InstaReM
Delivers the most UGX for your money
Fastest transfer
TapTap Send
Delivers in Under 3 minutes (95% of transfers)
Cash pickup
Ria Money Transfer
Widest cash pickup network
Bank transfer
InstaReM
Best rate for bank deposit to Uganda
How to send money to Uganda
Sending money to Uganda is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much USD you want to send, compare providers above, and pick the one offering the best UGX amount for your transfer to Uganda.
Step 2
Add your recipient
Enter your recipient's details in Uganda — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — mtn mobile money typically takes minutes.
What you need to send money to Uganda
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full name as it appears on their national ID or bank account
Bank account number
Ugandan bank account number (varies by bank, typically 10–16 digits)
Example: 1234567890123456
Bank name & branch
Name and branch of the recipient's bank
Mobile number
OptionalUgandan mobile number for mobile money transfers (MTN MoMo or Airtel Money)
Example: 0771234567
Note: Uganda does not use the IBAN system. For bank transfers, you need the account number, bank name, and branch. However, mobile money is the dominant financial service in Uganda — MTN Mobile Money (MoMo) and Airtel Money are more widely used than traditional bank accounts.
Transfer examples: USD to UGX
See how much your recipient would get for common transfer amounts.
Send $500
ProviderFeeReceives
Wise
3763.22 · 12h 52m
InstaReM
3735.33 · 1-3 business days
TapTap Send
3710.07 · Under 3 minutes (95% of transfers)
Ria Money Transfer
3688.21 · Minutes to 2 days
Remitly
3677.65 · Minutes to 3-5 days
Xoom (PayPal)
3582.66 · Minutes to 3 days
ProviderFeeRateReceivesSpeed
Wise$3.223763.22USh1,869,49412h 52m
InstaReMFree3735.33USh1,867,6641-3 business days
TapTap SendFree3710.07USh1,855,035Under 3 minutes (95% of transfers)
Ria Money Transfer$0.753688.21USh1,841,337Minutes to 2 days
Remitly$2.993677.65USh1,827,830Minutes to 3-5 days
Xoom (PayPal)$3.993582.66USh1,777,034Minutes to 3 days
Send $1,000
ProviderFeeReceives
InstaReM
3735.33 · 1-3 business days
TapTap Send
3710.07 · Under 3 minutes (95% of transfers)
Wise
3763.22 · 12h 52m
Ria Money Transfer
3688.21 · Minutes to 2 days
Remitly
3677.65 · Minutes to 3-5 days
XE
3740.60 · 1-4 business days
ProviderFeeRateReceivesSpeed
InstaReMFree3735.33USh3,735,3271-3 business days
TapTap SendFree3710.07USh3,710,071Under 3 minutes (95% of transfers)
Wise$17.743763.22USh3,696,46312h 52m
Ria Money Transfer$0.753688.21USh3,685,441Minutes to 2 days
Remitly$2.993677.65USh3,666,656Minutes to 3-5 days
XE$30.183740.60USh3,627,7131-4 business days
Send $5,000
ProviderFeeReceives
InstaReM
3735.33 · 1-3 business days
XE
3740.60 · 1-4 business days
TapTap Send
3710.07 · Under 3 minutes (95% of transfers)
Wise
3763.22 · Instant to 2 days
Ria Money Transfer
3688.21 · Minutes to 2 days
Remitly
3681.04 · Minutes to 3-5 days
ProviderFeeRateReceivesSpeed
InstaReMFree3735.33USh18,676,6361-3 business days
XE$30.183740.60USh18,590,1321-4 business days
TapTap SendFree3710.07USh18,550,353Under 3 minutes (95% of transfers)
Wise$73.653763.22USh18,538,951Instant to 2 days
Ria Money Transfer$0.753688.21USh18,438,268Minutes to 2 days
Remitly$111.293681.04USh17,995,559Minutes to 3-5 days
How much does it cost to send money from United States to Uganda?
Transfer fees from United States to Uganda vary by provider. Specialist services charge $0–10 per transfer, while banks charge $25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total UGX your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically $0–$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (3769.6308).
Ways to send money to Uganda
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Mobile money dominates financial services in Uganda — MTN MoMo alone processes more transactions than all Ugandan banks combined. For recipients without bank accounts, mobile money is the fastest and most convenient option.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
How can my recipient receive money in Uganda?
Your recipient in Uganda can receive money through these delivery methods. The best option depends on their location and preferences.
MTN Mobile Money
Minutes
Transfer to MTN MoMo — Uganda's largest mobile money platform with over 17 million users.
RemitlyWorldRemitWestern Union
Airtel Money
Minutes
Transfer to Airtel Money wallet — the second-largest mobile money platform in Uganda.
WorldRemitWestern Union
Bank Deposit
1–3 business days
Direct transfer to Ugandan bank accounts at major banks.
RemitlyWorldRemitWestern UnionMoneyGram
Cash Pickup
Minutes
Collect cash from agent locations across Uganda including bank branches and money transfer agents.
Western UnionMoneyGramRia Money Transfer
What are the transfer limits and regulations for Uganda?
Important rules and requirements to know before sending money to Uganda.
Regulatory body
Bank of Uganda (BOU)
Inbound transfer limits
No cap on incoming remittances
Documentation you may need
- Sender's government-issued photo ID
- Recipient's national ID for cash pickup
- Mobile money transactions are linked to the recipient's registered SIM card
Important things to know
- Uganda levies a 0.5% tax on mobile money withdrawals exceeding UGX 5 million per day.
- The Ugandan shilling (UGX) is a freely floating currency but can fluctuate significantly.
- Mobile money is regulated under the National Payment Systems Act.
- Uganda has a large diaspora in the US, UK, and Middle East that sends substantial remittances home.
How long does it take to send money to Uganda?
Most transfers from United States to Uganda arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Uganda for a small premium.
FastExpress delivery
- TapTap SendUnder 3 minutes (95% of transfers)
- Ria Money TransferMinutes to 2 days
- RemitlyMinutes to 3-5 days
- Xoom (PayPal)Minutes to 3 days
Standard delivery
- InstaReM1-3 business days
- Wise12h 52m
- XE1-4 business days
- Regency FXSame day to 2 business days
Popular banks in Uganda
These are the most commonly used banks for receiving international transfers in Uganda.
BankSWIFT/BICNotes
Stanbic Bank Uganda
SBICUGKX
DFCU Bank
DFABORUGXXX
Centenary Bank
CABORUGXXX
Absa Bank Uganda
BABORUGKXXX
Bank of Africa Uganda
AFABORUGXXX
Equity Bank Uganda
EABORUGXXX
USD to UGX Exchange Rate History
Daily best exchange rates from top providers over the last 55 days. Rates shown are for sending $100.
| Date | Wise | __mid Market__ | Xoom (PayPal) | Ria Money Transfer | InstaReM |
|---|---|---|---|---|---|
| Trend | |||||
| May 20 | 3763.1700✓ | 3688.0935 | 3582.5399 | 3688.0935 | 3735.4773 |
| May 19 | 3761.8000✓ | 3688.0935 | 3570.9112 | 3688.0935 | 3735.6461 |
| May 18 | 3752.8500✓ | 3688.0935 | 3568.5301 | 3688.0935 | 3723.6110 |
| May 17 | 3740.1400✓ | 3688.0935 | 3570.2797 | 3688.0935 | 3718.7850 |
| May 16 | 3740.1400✓ | 3688.0935 | 3570.2797 | 3688.0935 | 3718.7850 |
| May 15 | 3746.4500✓ | 3688.0935 | 3575.0563 | 3688.0935 | 3718.7850 |
| May 14 | 3745.4200✓ | 3688.0935 | 3573.9303 | 3688.0935 | 3716.5985 |
| May 13 | 3750.6300✓ | 3699.1548 | 3579.9920 | 3699.1548 | 3726.5900 |
| May 12 | 3755.2800✓ | 3699.1548 | 3584.8701 | 3699.1548 | 3730.8127 |
| May 11 | 3746.6700✓ | 3699.1548 | 3577.0259 | 3699.1548 | 3718.2190 |
| May 10 | 3744.6200✓ | 3699.1548 | 3575.0687 | 3699.1548 | 3718.2190 |
| May 9 | 3744.6200✓ | 3699.1548 | 3575.4186 | 3699.1548 | 3718.2190 |
| May 8 | 3744.6500✓ | 3699.1548 | 3578.8047 | 3699.1548 | 3707.7368 |
| May 7 | 3766.2000✓ | 3699.1548 | 3589.9173 | 3699.1548 | 3753.5400 |
| May 6 | 3765.4400✓ | 3699.1548 | 3599.6804 | 3699.1548 | 3753.5400 |
| May 5 | 3749.3200✓ | 3699.1548 | — | 3699.1548 | — |
| May 4 | 3759.6900✓ | 3699.1548 | 3560.5907 | 3699.1548 | 3727.2950 |
| May 3 | 3748.3600✓ | 3699.1548 | 3560.5907 | 3699.1548 | 3727.2950 |
| May 2 | 3748.3600✓ | 3699.1548 | 3560.5907 | 3699.1548 | 3727.2950 |
| May 1 | 3746.7900✓ | 3699.1548 | 3560.2915 | 3699.1548 | 3725.8750 |
| Apr 30 | 3718.5000✓ | 3699.1548 | 3546.2911 | 3699.1548 | — |
| Apr 29 | 3718.6400✓ | 3699.1548 | 3539.6615 | 3699.1548 | — |
| Apr 28 | 3719.2900✓ | 3699.1548 | 3539.5914 | 3699.1548 | — |
| Apr 27 | 3714.4600✓ | 3699.1548 | 3536.8174 | 3699.1548 | — |
| Apr 26 | 3713.3300✓ | 3699.1548 | 3536.8174 | 3699.1548 | — |
| Apr 25 | 3713.3300✓ | 3699.1548 | 3536.8174 | 3699.1548 | — |
| Apr 24 | 3711.3400✓ | 3699.1548 | 3537.6827 | 3699.1548 | — |
| Apr 23 | 3705.1900✓ | 3699.1548 | 3533.5290 | 3699.1548 | — |
| Apr 22 | 3704.3700✓ | 3699.1548 | 3533.8162 | 3699.1548 | — |
| Apr 21 | 3705.0900✓ | 3699.1548 | 3522.2599 | 3699.1548 | 3675.1560 |
| Apr 20 | 3696.0100 | 3699.1548✓ | 3528.7934 | 3699.1548✓ | 3666.1493 |
| Apr 19 | 3699.2500✓ | 3699.1548 | 3528.7934 | 3699.1548 | 3669.3631 |
| Apr 18 | 3699.2500✓ | 3699.1548 | 3528.7934 | 3699.1548 | 3669.3631 |
| Apr 17 | 3698.8800 | 3699.1548✓ | 3516.5033 | 3699.1548✓ | 3668.9961 |
| Apr 16 | 3694.7900 | 3699.1548✓ | 3519.2599 | 3699.1548✓ | 3655.9665 |
| Apr 15 | 3709.8500✓ | 3699.1548 | 3528.5988 | 3699.1548 | 3670.1033 |
| Apr 14 | 3738.5100✓ | 3699.1548 | 3541.7907 | 3699.1548 | 3713.6215 |
| Apr 13 | 3696.4000 | 3699.1548✓ | 3515.9493 | 3699.1548✓ | 3669.2927 |
| Apr 12 | 3693.2200 | 3699.1548✓ | 3512.7628 | 3699.1548✓ | 3665.9673 |
| Apr 11 | 3693.2200 | 3699.1548✓ | 3512.7628 | 3699.1548✓ | 3665.9673 |
| Apr 10 | 3689.0500 | 3699.1548✓ | 3523.6970 | 3699.1548✓ | 3654.2400 |
| Apr 9 | 3695.0000 | 3699.1548✓ | 3513.2226 | 3699.1548✓ | 3654.2400 |
| Apr 8 | 3758.0200✓ | 3699.1548 | 3580.0675 | 3699.1548 | 3733.6800 |
| Apr 7 | 3750.1800✓ | 3699.1548 | 3578.8805 | 3699.1548 | 3727.4954 |
| Apr 6 | 3734.5700✓ | 3699.1548 | 3577.0959 | 3699.1548 | 3725.6367 |
| Apr 5 | 3740.0100✓ | 3699.1548 | 3577.0959 | 3699.1548 | 3725.6367 |
| Apr 4 | 3740.0100✓ | 3699.1548 | 3577.0959 | 3699.1548 | 3725.6367 |
| Apr 3 | 3740.0100✓ | 3699.1548 | 3577.0959 | 3699.1548 | 3725.6367 |
| Apr 2 | 3745.2900✓ | 3699.1548 | 3572.6298 | 3699.1548 | 3718.5467 |
| Apr 1 | 3741.2800✓ | 3699.1548 | 3590.7619 | 3699.1548 | 3696.1843 |
| Mar 31 | 3757.7000✓ | 3699.1548 | 3593.9659 | 3699.1548 | 3725.1501 |
| Mar 30 | 3756.5200✓ | 3699.1548 | 3577.5484 | 3699.1548 | 3722.7570 |
| Mar 29 | 3727.5900✓ | 3699.1548 | 3549.7971 | 3699.1548 | 3699.0144 |
| Mar 28 | 3727.9100✓ | 3699.1548 | 3549.1536 | 3699.1548 | 3699.0144 |
| Mar 18 | 3764.1000✓ | 3764.1000✓ | 3580.4848 | — | 3756.5036 |
Common questions about sending money from United States to Uganda
What is the cheapest way to send money from United States to Uganda?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from United States to Uganda?
Most specialist providers deliver to Uganda within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send $1,000 from United States to Uganda?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much UGX your recipient would receive from a $1,000 transfer today.
Can I send money from United States to Uganda online?
Yes, all the providers we compare support online transfers from United States to Uganda. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Uganda?
Money transfer services are almost always cheaper. Banks typically charge $25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge $0–10 with markups under 1%, saving you significantly on every transfer to Uganda.
Everything about sending money to Uganda
Recipient requirements, delivery methods, regulations, popular banks, and more.
Other routes to Uganda
Popular corridors
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