Best way to send money to Uganda |

How to send money to Uganda

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Money transfer services are an easy and affordable way to send money to Uganda.

If you’re looking to send money to a friend or family member in Uganda, a money transfer service could be the key to converting your US dollars to Ugandan shillings–without the high fees that banks traditionally charge.
WorldRemit International Money Transfers

Our pick: WorldRemit International Money Transfers

Send money to 140+ countries for bank deposit, instant e-wallet, mobile top-up or cash pickup at 30,000+ agent locations worldwide.

Your first transfer is free with the code FINDER.

  • Low upfront fees and exchange rates.
  • Easy to use with round-the-clock help.
  • Get cash to family and friends in minutes.

    Compare money transfer services to Uganda

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    USD 0 1 - 2 days USD 0.00 3628.926 UGX 18,144,629 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
    USD 1 Within an hour USD 0.00 3643.618 UGX 18,218,090 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details

    Compare up to 4 providers

    How do international money transfers work?

    International money transfers are designed to help you send money to someone else whenever you want. The process can be done in person, over the phone or online. You can transfer money from your bank account and have it exchanged into Ugandan shillings before your recipient picks it up as cash or has the money moved into their bank account.

    Banks versus money transfer companies

    Although a bank can be a quick way to convert your dollars into shillings, it isn’t the best method. When you need to send an international money transfer, a money transfer company that specializes in this service will offer better exchange rates with smaller fees.

    Case Study: Ben Sends Money to Uganda

    Although Ben emigrated to America more than five years ago, he still makes sure to maintain regular contact with his sister in Kampala. He wants to send her $1,000 as a birthday gift, but his bank doesn’t work with exotic currencies like the Ugandan shilling. He decides to see which a money transfer company offers him a better deal, so he compares the services of two providers.

    Money transfer company 1Money transfer company 2
    Exchange rate$1 USD = $2,328.23 UGX$1 USD = $2,321.17 UGX
    Transfer fee$5$10
    Transfer methodOnline bank account transferOnline bank account transfer
    Processing time1-3 days1-4 days
    Amount received (in UGX)$2,328,230 UGX$2,321,170 UGX

    As you can see, doing a quick comparison reveals that Ben will send more than $7,000 UGX extra and save $5 in transfer fees by using the first transfer company.

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    How do I compare transfer companies when transferring to Uganda?

    • Exchange rates. How do the company’s exchange rates compare to those offered by its competition?
    • Transaction fees. Most companies will charge a fee each time you send a transfer, so check to see the amount you will have to pay for each transaction. It’s also worth investigating whether the fee will not be charged if you transfer a large amount.
    • Transfer methods. Do you place transfers online or by visiting a branch? Are phone and mobile app transfers offered as well?
    • Flexible options. Can you lock in an ideal exchange rate now and transfer the money later, known as a forward contract? Does the institution offer limit orders, which allows you to take advantage of changing market conditions by executing the money transfer when a certain exchange rate is met? Can you schedule recurring payments?
    • Transfer time. Some companies offer transfers within minutes, while others have processing times of several business days.
    • Minimum transfer amounts. If the company imposes minimum or maximum transaction limits, make sure those limits won’t affect your ability to send transfers.
    • Pickup options. Will the money be sent to Uganda via bank account transfer, or will your recipient be able to pick up the sum in cash from a transfer agent?
    • Customer service. If you have a question about a transfer, will you be able to quickly access customer service? Are phone, email and live online chat support all available?

    Foreign exchange rates explained

    Exchange rates are determined by the global economic climate. Fluctuations in currency are common, and the US dollar is usually much stronger than the Ugandan shilling. For this reason, you’ll be able to get quite a few shillings per dollar sent overseas.

    You can compare exchange rates between USD and UGX here

    Options for sending money to Uganda from the US

    • Money transfer providers. Compare your options to find transfer companies that can send money to Uganda.
    • Cash pickup transfer companies. Western Union and MoneyGram both have extensive worldwide transfer networks with branches in Uganda.
    • Bank transfers. Compare the fees and exchange rates your bank offers with those of other providers.
    • International check. Sending an international guaranteed check overseas is a slow but secure transfer method..

    What are the steps to send money to Uganda?

    The exact transfer method you need to follow will depend on the provider you choose to handle the transaction, but you will usually need to

    1. Compare your providers. On the table above, compare the exchange rates and fees offered by our trusted providers.
    2. Register for a free account. This can often be done online, and you will need to provide your full name, your contact details and proof of ID.
    3. Enter your transaction information. You’ll need to tell the provider where you’re sending money, how much you’ll be sending and who will be receiving the transfer.
    4. Pay for your transfer. You can then pay for and submit your transfer request, making sure you keep any reference number you are given so that you can monitor the progress of your transaction.

    Emergency cash transfers in Uganda

    Emergency cash transfers are possible, but be aware that they will also be more expensive. Transfer companies will charge extra fees for expedited services, and you won’t get the best exchange rate when you use this option. If you can wait a few days to have your money transfered, you’ll receive much better rates that both you and your recipient will benefit from.

    Tips for picking up cash in Uganda

    Always take care when you are picking up a cash transfer. Confirm a transfer agent’s hours of operation and available funds before visiting, and avoid traveling through any unsafe areas. Don’t carry the money around with you for any longer than is absolutely necessary, and make sure you deposit it into your bank account as soon as possible.

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    10 Responses

    1. Default Gravatar
      sharonMarch 11, 2019

      How I get the intermediate receiver code to to receive money from global money transfer

      • Avatarfinder Customer Care
        johnbasanesMarch 12, 2019Staff

        Hi Sharon,

        Thank you for reaching out to Finder.

        The receiver code is normally sent by the sender when they complete the money transfer on their end. This also serves as a tracking number to know when the money would be received. Please reach out to the sender to get this code. Hope this helps!


    2. Default Gravatar
      FatumaOctober 5, 2018

      I would like to know if i can receive dollar currencies instead of shillings through money gram,western Union from USA?

      • Avatarfinder Customer Care
        AshOctober 5, 2018Staff

        Hi Fatuma,

        Thank you for contacting finder.

        Yes, you may request for the Recipient to receive the money in US Dollars. You must inquire first with Western Union so they can check on their Agent Location in Uganda if they have enough US Dollars to cover the amount that you are going to send.

        I hope this helps.

        Please do not hesitate to reach out again to us if you have additional questions.


    3. Default Gravatar
      GeorgeOctober 5, 2018

      Is this also your number for money transfer+256394844870

      • Avatarfinder Customer Care
        johnbasanesOctober 5, 2018Staff

        Hi George,

        Thank you for leaving a question.

        Please clarify if +256394844870 is an account number of a phone number for customer support of one of the companies that we feature over at finder.


    4. Default Gravatar
      walugembeMay 2, 2018

      how can one receive money from japan on his phone

      • Default Gravatar
        joelmarceloMay 4, 2018

        Hi Walugembe,

        Thanks for leaving a question on finder.

        Not sure what you mean by “receiving money on phone” but if you are looking to receive or send money to Japan, please go here.


    5. Default Gravatar
      JackApril 5, 2017

      World First actually does not have the capability to do USD to UGX transfer. I only found this out after completing a very long and detailed registration process. They also informed me that even though I am not going to be a transacting customer that they can not delete my account information.

      • Avatarfinder Customer Care
        HaroldJuly 10, 2017Staff

        Hi Jack,

        Thank you for your inquiry.

        While we do not represent any company that we feature on our pages, we can offer you a general advice. It would be nice if you can clarify this matter directly with the money transfer company. They will be able to provide your an options based on your current circumstance.

        I hope this information has helped.


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