Compare money transfer to & from Uganda

By the Rateweb editorial team · How we rate · Product details checked 2 Aug 2026

Compare licensed services for sending money to and from Uganda on exchange rate, fees and delivery speed. The real cost is the fee plus the exchange-rate margin — compare both.

💸 What it costs to send money to Uganda Benchmark · Q3 2025

Fees quietly eat remittances. Sending US$200 to Sub-Saharan Africa costs 8.78% on average — versus a 6.49% global average. Remittances are about 2.6% of Uganda's GDP — US$1.49bn in 2024, third in the East African Community. That gap is exactly why comparing pays.

US$
at the 8.78% regional average ≈ US$17.56 in fees. Beat that with an option below.
From the US & UK
Together about 40% of inflows, largely from Ugandans working in health, finance and education.
From the Gulf
About 35% comes from Saudi Arabia, the UAE and Qatar, where many Ugandans work. These corridors vary widely on cost — compare carefully.
From Kenya
Around 7% comes from neighbouring Kenya — a regional corridor where mobile money keeps costs low.

Source: World Bank Remittance Prices Worldwide (remittanceprices.worldbank.org), Q3 2025. A dated quarterly benchmark, not a live quote — the table below carries current provider details. Full corridor breakdown →

⭐ Ratings & awards are Rateweb's independent editorial opinion — how we rate.

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5 results
Widest payout network

Remitly

A large digital remittance service supporting the Uganda corridor with cash pickup, bank deposit and mobile wallet payout, naming MTN Mobile Money and Airtel Money alongside most Ugandan banks as payout partners. Always compare the shilling amount your recipient actually receives, not the advertised fee.
★★★★☆
4.1/5 · How we rate
Into Uganda from the United States and other Remitly send markets; payout to cash pickup, bank account or mobile wallet
Corridors
Licensed money transmitter in its send markets; Remitly's Uganda page does not name a Ugandan licence
Licence
Senders who want a choice of payout method rather than mobile money only
Best For
remittance
Type
Pros
  • All three payout rails are supported: cash pickup, bank deposit and mobile wallet
  • Names both MTN Mobile Money and Airtel Money, plus most major Ugandan banks, as payout partners
  • Offers a choice of speed tiers, so you can pay less when the money is not urgent
Cons
  • The exchange rate carries a margin over the mid-market rate; the 'no hidden fees' claim is about the fee, not the rate
  • Promotional first-transfer rates are not what you will get on repeat sends
  • Payout partner availability and limits vary by method and can change without notice
Fees, eligibility & documents
Fees
Transfer feeNot published on the Uganda landing page; quoted per transfer in the app or on the calculator
Exchange rateSet by Remitly with a margin over the mid-market rate; check the quoted UGX payout before confirming
Eligibility
  • Sender resident in a Remitly send market and able to pass identity verification
  • Recipient in Uganda with a mobile wallet, bank account or valid ID for cash pickup
Documents needed
  • Sender's government ID for verification
  • Recipient's full name, and their mobile money number, bank account details or ID for cash collection
Visit Remitly

WorldRemit

A digital remittance service supporting Uganda with four payout methods: mobile money, bank transfer, cash pickup and airtime top-up, with the fee set by receive method rather than by amount. Compare the delivered shilling amount, not the advertised fee.
★★★★☆
4.0/5 · How we rate
Into Uganda from WorldRemit's send markets; payout to mobile money, bank account, cash pickup or airtime
Corridors
Licensed and registered in its send markets; WorldRemit's Uganda page does not name a Ugandan licence
Licence
Senders topping up a relative's airtime, or splitting sends across payout methods
Best For
remittance
Type
Pros
  • WorldRemit's page states the fee depends on the receive method and does not vary with the amount, which favours larger transfers
  • Airtime top-up is offered with no fee charged for airtime, per WorldRemit's page
  • Mobile money payout is described as instant to the recipient's registered wallet
Cons
  • A flat fee that does not scale is poor value on small transfers
  • The exchange rate margin, not the fee, is where most of the cost sits — WorldRemit does not publish it
  • Cash pickup depends on agent locations that may be inconvenient outside main towns
Fees, eligibility & documents
Fees
Transfer feeDepends on the receive method and does not vary with the amount, per WorldRemit's page; the amount is quoted at checkout
Exchange rateSet by WorldRemit with a margin; check the quoted UGX payout on the calculator before sending
Eligibility
  • Sender resident in a WorldRemit send market and able to pass identity verification
  • Recipient in Uganda with a registered mobile money number, bank account, or ID for cash collection
Documents needed
  • Sender's government ID for verification
  • Recipient's full name and mobile money number, bank account details, or ID for cash pickup
Visit WorldRemit
Mobile money focus

Sendwave

A mobile-first remittance app serving Uganda from North America and Europe, paying out to MTN and Airtel mobile money as well as Ugandan bank accounts, and publishing the per-transfer and wallet-balance caps that apply. Compare the delivered shilling amount, not the advertised fee.
★★★★☆
4.0/5 · How we rate
Into Uganda from the USA, UK, Canada, France, Italy, Spain and Ireland; payout to MTN and Airtel mobile money or a Ugandan bank account
Corridors
Licensed money transmitter in its send markets; Sendwave's Uganda page does not name a Ugandan licence
Licence
Regular, smaller sends straight to a relative's phone
Best For
remittance
Type
Pros
  • Publishes the caps up front: up to UGX 4,000,000 per transfer, and no MTN or Airtel account may hold more than UGX 5,000,000 at once
  • Covers both Ugandan mobile money networks plus bank accounts
  • Sendwave states it shows the exact total cost, including fee and exchange rate, before you send
Cons
  • The per-transfer and wallet caps make larger transfers impractical on the mobile money rail
  • Sendwave does not publish a fee schedule, only a promise to show the cost at checkout
  • Available from a limited list of send countries, so it may not cover where your sender lives
Fees, eligibility & documents
Fees
Transfer feeNot published; Sendwave states the total cost including fee and exchange rate is shown before you send
Transfer and wallet capsUp to UGX 4,000,000 per transfer; MTN and Airtel wallets may not hold more than UGX 5,000,000 at once, per Sendwave's page
Eligibility
  • Sender resident in the USA, UK, Canada, France, Italy, Spain or Ireland
  • Recipient with a registered MTN or Airtel mobile money number, or a Ugandan bank account
Documents needed
  • Sender's government ID for verification
  • Recipient's full name and mobile money number or bank account details
Visit Sendwave
Africa-focused

NALA

An Africa-focused remittance app sending from the UK, EU and US to Ugandan mobile wallets and bank accounts, naming MTN Mobile Money, Airtel Money and several Ugandan banks as payout partners. Compare the delivered shilling amount, not the advertised fee.
★★★★☆
3.9/5 · How we rate
Into Uganda from the UK, EU and US; payout to MTN or Airtel mobile money, or a Ugandan bank account
Corridors
In the UK, NALA states it operates as a registered EMD agent of Modulr FS Limited; in the EU it works with Modulr Finance B.V., authorised and regulated by De Nederlandsche Bank
Licence
Diaspora senders in the UK and EU who want mobile money payout in seconds
Best For
remittance
Type
Pros
  • States mobile wallet transfers are delivered within seconds, and bank transfers usually within minutes
  • Supports payment via Google Pay and Apple Pay as well as bank transfer
  • Publishes its UK and EU regulatory arrangements openly, which not every remittance app does
Cons
  • No fee schedule or exchange rate margin is published on the Uganda page
  • It operates through an EMD agent arrangement rather than holding its own UK e-money licence
  • Smaller than the incumbents, so payout partner outages have fewer fallbacks
Fees, eligibility & documents
Fees
Transfer feeNot published on the Uganda page; quoted in the app before you send
Exchange rateSet by NALA with a margin; check the quoted UGX payout before confirming
Eligibility
  • Sender resident in the UK, EU or US and able to pass KYC verification
  • Recipient with a Ugandan mobile money number or bank account
Documents needed
  • Sender's government ID for KYC verification
  • Recipient's full name and mobile money number or bank account details
Visit NALA

TapTap Send

A remittance app covering more than a hundred destination countries including Uganda, with bank deposit, mobile money and cash pickup payout. Its pitch is low fees, but as always the number to compare is the delivered shilling amount.
★★★★☆
3.8/5 · How we rate
Into Uganda from TapTap Send's supported send markets; payout to bank deposit, mobile money or cash pickup
Corridors
Licensed and registered in its send markets; TapTap Send's site does not name a Ugandan licence
Licence
Senders already using TapTap Send for other corridors who want one app for everything
Best For
remittance
Type
Pros
  • All three payout rails available: bank deposit, mobile money and cash pickup
  • Broad country coverage, useful if you send to more than one destination
  • App-only flow with no branch visit or paperwork for routine sends
Cons
  • TapTap Send does not publish Uganda-specific fees or limits on its site
  • The advertised low fee tells you nothing about the exchange rate margin, which is where the real cost sits
  • A smaller brand than Remitly or WorldRemit, so recourse if a transfer goes wrong is less well documented
Fees, eligibility & documents
Fees
Transfer feeNot published for the Uganda corridor; TapTap Send quotes the fee in the app before you send
Exchange rateSet by TapTap Send with a margin; check the quoted UGX payout before confirming
Eligibility
  • Sender resident in a supported TapTap Send market and able to pass identity verification
  • Recipient in Uganda with a mobile money number, bank account, or ID for cash pickup
Documents needed
  • Sender's government ID for verification
  • Recipient's full name and mobile money number, bank details, or ID for cash collection
Visit TapTap Send

Ratings are Rateweb's editorial opinion. Product details can change — always confirm with the provider before applying. Rateweb may earn a commission on some applications. This is general information, not financial advice.

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