Best Way to Send Money to Uruguay from USA (USD to UYU)

Sending money from USA to Uruguay: what today's data shows

RemitFinder compares 8 providers and 32 ways to send money from USA to Uruguay. The mid-market rate is UYU 40.1992 per USD. 3 providers have no-fee options. The fastest published delivery is instant.

🧭 What is the best way to send money to Uruguay from USA?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 8 providers offering 32 ways to send US Dollar (USD) to Uruguayan Peso (UYU).

💰 Most UYU received today, by amount sent:

Five providers rank in the top three at one or more of these amounts: Airwallex, Western Union, Panda Remit, Remitly and Wise.

At USD 1,000, the top three providers are Airwallex, Remitly and Panda Remit, giving UYU 39,373.00, ≈ UYU 39,206.92 and UYU 39,089.21 respectively. UYU 283.79 separates Airwallex in first place from Panda Remit in third.

The leaders change with the amount you send. Compare providers at your own amount: the cards above rank every way to send for it, fees included.

🔀 Ways to receive, with the most received at USD 1,000:

Bank Account is the most widely offered way to receive, with 6 providers, followed by Cash Pickup (3). At USD 1,000, receiving in a Bank Account gets your recipient the most: up to UYU 39,373.00.

💱 How to get the best USD to UYU exchange rate?

The mid-market US Dollar to Uruguayan Peso rate today is UYU 40.1992 per USD. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.

At that rate, USD 1,000 is UYU 40,199.20, and each 1% of markup costs about UYU 401.99.

• 📊 Rates run from UYU 1.00 to UYU 40.205 per USD across all amounts. The top three rates are from Wise (UYU 40.205 for transfers of USD 20.33 to USD 1,000,000), Remitly (UYU 39.54 for transfers up to USD 20,000) and Airwallex (UYU 39.373).
• 📏 Typical markup: 3.15%. The median provider's best rate is 3.15% below the mid-market rate.
• ✅ Wise offers a rate above the mid-market rate on some amounts.
• 💳 How you pay rarely changes the rate. At USD 1,000, 6 of the 6 providers that offer more than one way to pay give the same rate whichever you choose. Payment methods differ mostly in their fees.

How your recipient gets the money changes the rate. The median provider's best rate is 2.21% below the mid-market rate for money received in a Bank Account and 5.45% below it as Cash Pickup.

💸 What is the cheapest way to send money to Uruguay from USA?

At USD 1,000, the three cheapest providers today are Airwallex (paying from a Bank Account, received in a Bank Account), Remitly (paying from a Bank Account, received in a Bank Account) and Panda Remit (paying by Debit Card, received in a Bank Account). With these providers, your recipient gets UYU 39,373.00, ≈ UYU 39,206.92 and UYU 39,089.21 respectively.

💸 Total cost (fee + exchange-rate markup) by amount:

The typical total cost is 9.19% at USD 200, 6.94% at USD 1,000 and 6.65% at USD 5,000, so larger transfers cost less.

Total cost is the fee plus the exchange-rate markup, as a share of the amount sent.

💳 Cheapest way to pay, at USD 1,000:

Paying from a Bank Account has the lowest typical total cost at USD 1,000 (3.39%), and paying in Cash the highest (99.11%). On USD 1,000, that difference is worth about UYU 38,479 more to your recipient.

🏦 Cheapest way to receive, at USD 1,000:

Receiving in a Bank Account has the lowest typical total cost at USD 1,000 (4.43%), and receiving as Cash Pickup the highest (6.95%). On USD 1,000, that difference is worth about UYU 1,013 more to your recipient.

🔗 Cheapest pay and receive combinations, at USD 1,000:

The cheapest combination is paying from a Bank Account, received in a Bank Account, with a typical total cost of 2.86%. The most expensive is paying in Cash, received as Cash Pickup, at 99.11%.

On USD 1,000, your recipient typically gets UYU 39,051.28 with the cheapest combination and UYU 984.01 with the most expensive: UYU 38,067.27 more with the cheapest combination.

Choosing well is worth UYU 38,407.99 more on USD 1,000. The most your recipient can get today is UYU 39,373.00, and the least is UYU 965.01.

• 🧮 Fixed fees weigh most on small transfers. A typical fixed fee of USD 5 is 2.50% of USD 200 but only 0.10% of USD 5,000.
• 🆓 3 providers charge no fee on some ways to send or some amounts: Airwallex, Western Union and XE Money Transfer.

≈ marks amounts that include an estimated fee, where a provider does not publish its own.

🏦 How to send money from USA to Uruguay through a bank?

7 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 6 providers.

Bank Transfer or Card? At USD 1,000, the typical total cost is 3.39% paying from a Bank Account, 3.93% paying by ACH, 4.43% paying by Debit Card and 8.58% paying by Credit Card.

• ⏱️ Money typically arrives in a Bank Account in 2–4 days, and Panda Remit publishes delivery in about 15 minutes.
• 🧾 What you need: the recipient's full name, bank name and account number, plus the bank's code.

Find the bank code: SWIFT codes for banks in Uruguay.

⚡ How to send money from USA to Uruguay fast?

The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup).

By the times providers publish, money can arrive in about 15 minutes in a Bank Account and instantly as Cash Pickup.

What speed costs. At USD 1,000, the cheapest way with a published delivery time within an hour is Panda Remit (paying by Debit Card, received in a Bank Account), with a total cost of 2.77%. The cheapest way overall has a total cost of 2.06%, 0.72 percentage points less.

• ⚡ How you pay can change the speed. With one provider, money arrives in a Bank Account in about 15 minutes when you pay by Debit Card, compared with about 3 days when you pay by ACH.

Delivery times are those providers publish, or typical times for the delivery method where they publish none. Actual times can vary with identity checks, bank cut-off times and public holidays.

🏆 Which are the best money transfer companies to send money to Uruguay from USA?

There's no single best company: it depends on the amount and how you send. These are today's standouts, each by a measured figure.

• 🥇 Airwallex, Remitly and Panda Remit give your recipient the most on USD 1,000 today.
• 💱 Wise, Remitly and Airwallex offer the highest exchange rates, from UYU 39.373 to UYU 40.205 per USD.
• 🔀 Ria Money Transfer offers the most ways to send (12), followed by Western Union (5) and Wise (4).
• 💵 MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Uruguay.
• 🆓 3 providers have no-fee options.
• ⚡ MoneyGram publishes the fastest delivery: instant.
• 🎁 3 providers have RemitFinder deals for this corridor.

📋 All 8 providers, by what your recipient gets for USD 1,000:

At USD 1,000, all 8 providers accept the transfer. Among them, your recipient gets between UYU 984.01 and UYU 39,373.00, and half of the providers give at least UYU 38,836.19.

Below are the details for each provider, in alphabetical order: its exchange rate, fees, ways to pay and receive, delivery times, limits and what your recipient gets.

Airwallex USD to UYU exchange rate today

• 💱 Airwallex's US Dollar to Uruguayan Peso exchange rate is UYU 39.373 per USD, 2.06% below the mid-market rate.
• 💸 Airwallex charges no fee.
• 🏦 With Airwallex, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Airwallex, money arrives in a Bank Account in about 2 hours.
• 💰 On USD 1,000, your recipient gets UYU 39,373.00 with Airwallex (paying from a Bank Account, received in a Bank Account).

MoneyGram USD to UYU exchange rate today

• 💱 MoneyGram's US Dollar to Uruguayan Peso exchange rate is UYU 1.00 per USD, 97.51% below the mid-market rate.
• 💸 MoneyGram charges 3.5% + USD 4.99 (3% + USD 4.99 from USD 700, 2.5% + USD 4.99 from USD 1,500) when you pay by Credit Card and 0.75% + USD 4.74 (1% + USD 3.99 from USD 300, 1% + USD 5.99 from USD 700.01) when you pay by Debit Card or in Cash.
• 🏦 With MoneyGram, you pay by Credit Card, by Debit Card or in Cash, and your recipient gets the money as Cash Pickup.
• ⏱️ With MoneyGram, money arrives as Cash Pickup instantly.
• 📏 MoneyGram accepts up to USD 10,000 per transfer.
• 💰 On USD 1,000, your recipient gets UYU 984.01 with MoneyGram (paying by Debit Card, received as Cash Pickup).

Panda Remit USD to UYU exchange rate today

• 💱 Panda Remit's US Dollar to Uruguayan Peso exchange rate is UYU 39.2458 per USD, 2.37% below the mid-market rate.
• 💸 Panda Remit charges USD 3.99.
• 🏦 With Panda Remit, you pay by Debit Card or by ACH, and your recipient gets the money in a Bank Account.
• ⏱️ With Panda Remit, money arrives in a Bank Account in about 15 minutes.
• 📏 Panda Remit accepts USD 50 to USD 2,999 per transfer.
• 💰 On USD 1,000, your recipient gets UYU 39,089.21 with Panda Remit (paying by Debit Card, received in a Bank Account).
• 🎁 RemitFinder exclusive for Panda Remit: Get 5 bucks off and zero fee.

Remitly USD to UYU exchange rate today

• 💱 Remitly's US Dollar to Uruguayan Peso exchange rate is UYU 39.54 per USD, 1.64% below the mid-market rate.
• 💸 Remitly's fee is not published for USD to UYU transfers, so amounts here include an estimated fee.
• 🏦 With Remitly, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Remitly, money arrives in a Bank Account typically in 2–4 days.
• 📏 Remitly accepts up to USD 20,000 per transfer.
• 💰 On USD 1,000, your recipient gets about UYU 39,206.92 with Remitly (paying from a Bank Account, received in a Bank Account).

Ria Money Transfer USD to UYU exchange rate today

• 💱 Ria Money Transfer's US Dollar to Uruguayan Peso exchange rate is UYU 38.01 per USD, 5.45% below the mid-market rate.
• 💸 Ria Money Transfer's fee depends on how you pay and how much you send.
• 🏦 With Ria Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by PayNearMe, and your recipient gets the money in a Bank Account or as Cash Pickup.
• ⏱️ With Ria Money Transfer, money arrives in a Bank Account typically in 2–4 days and as Cash Pickup typically within 2 hours.
• 📏 Ria Money Transfer accepts USD 100 to USD 5,000 per transfer.
• 💰 On USD 1,000, your recipient gets UYU 37,819.95 with Ria Money Transfer (paying from a Bank Account, received in a Bank Account).

Western Union USD to UYU exchange rate today

• 💱 Western Union's US Dollar to Uruguayan Peso exchange rate is UYU 38.6035 per USD, 3.97% below the mid-market rate.
• 💸 Western Union charges 3% when you pay by Credit Card or with Google Pay and no fee when you pay by Debit Card, with Apple Pay or by ACH.
• 🏦 With Western Union, you pay by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by ACH, and your recipient gets the money as Cash Pickup.
• ⏱️ With Western Union, money arrives as Cash Pickup typically within 2 hours.
• 💰 On USD 1,000, your recipient gets UYU 38,603.50 with Western Union (paying by Debit Card, received as Cash Pickup).
• 🎁 RemitFinder exclusives for Western Union: Refer a friend to earn USD 20; Get first transfer free in US.

Wise USD to UYU exchange rate today

• 💱 Wise's US Dollar to Uruguayan Peso exchange rate is UYU 40.205 per USD, 0.01% above the mid-market rate.
• 💸 Wise charges 1.11% + USD 17.62 (1.01% + USD 42.39 from USD 25,305.80) when you pay from a Bank Account, 7.14% + USD 10.87 when you pay by Credit Card or with Apple Pay and 2.32% + USD 11.43 when you pay by Debit Card.
• 🏦 With Wise, you pay from a Bank Account, by Credit Card, by Debit Card or with Apple Pay, and your recipient gets the money in a Bank Account.
• ⏱️ With Wise, money arrives in a Bank Account in about 2 days.
• 📏 Wise accepts USD 14.25 to USD 1,000,000 per transfer.
• 💰 On USD 1,000, your recipient gets UYU 39,051.28 with Wise (paying from a Bank Account, received in a Bank Account).

XE Money Transfer USD to UYU exchange rate today

• 💱 XE Money Transfer's US Dollar to Uruguayan Peso exchange rate runs from UYU 38.1056 to UYU 38.6211 per USD. Its best rate applies to transfers up to USD 5,000 and is 3.93% below the mid-market rate.
• 💸 XE Money Transfer charges USD 4 (no fee from USD 1,000) when you pay from a Bank Account or by ACH, 3% + USD 4 (3% from USD 1,000) when you pay by Credit Card and 0.5% + USD 4 (0.5% from USD 1,000) when you pay by Debit Card.
• 🏦 With XE Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card or by ACH, and your recipient gets the money in a Bank Account.
• ⏱️ With XE Money Transfer, money arrives in a Bank Account typically in 2–4 days.
• 💰 On USD 1,000, your recipient gets UYU 38,621.10 with XE Money Transfer (paying from a Bank Account, received in a Bank Account).
• 🎁 RemitFinder exclusive for XE Money Transfer: Refer a friend to earn USD 25.

Limits are those providers publish to RemitFinder. What you can actually send depends on the provider's checks, your account and the rules in both countries.

🪜 Step by step guide to send money from USA to Uruguay

1. Compare providers. RemitFinder lists 8 providers and 32 ways to send; the cards above rank them for your amount.
2. Choose how to pay. At USD 1,000, paying from a Bank Account has the lowest typical total cost (3.39%).
3. Choose how your recipient gets the money. Bank Account (6 providers) or Cash Pickup (3 providers).
4. Check the limits. Published maximums start at USD 2,999 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
5. Sign up and verify your identity. Providers need ID before your first transfer.
6. Add your recipient's details. Name and Bank Account details, or their name as on their ID for Cash Pickup. Find the bank code: SWIFT codes for banks in Uruguay.
7. Pay and track the transfer. The fastest published delivery arrives instantly. Money typically arrives in a Bank Account in 2–4 days.

Frequently Asked Questions: Sending money to Uruguay from USA

These FAQs use data from RemitFinder's live comparison of 8 providers for USA to Uruguay money transfers.

• How do I send money from USA to Uruguay?

  Compare 8 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.

• What is the best way to send money to Uruguay from USA?

  At USD 1,000, Airwallex, Remitly and Panda Remit give your recipient the most today: UYU 39,373.00, ≈ UYU 39,206.92 and UYU 39,089.21 respectively. The best way changes with the amount, so compare at yours.

• What is the cheapest way to send money to Uruguay?

  At USD 1,000, the cheapest providers today are Airwallex, Remitly and Panda Remit. The cheapest combination is paying from a Bank Account, received in a Bank Account, with a typical total cost of 2.86%. 3 providers charge no fee on some ways to send or some amounts, and the exchange-rate markup decides the rest. RemitFinder ranks every way to send by what your recipient gets, fees included.

• How much can I save by comparing providers to send money to Uruguay?

  At USD 1,000, your recipient gets between UYU 965.01 and UYU 39,373.00, depending on the provider and how you send. Comparing can get them UYU 38,407.99 more on one transfer. Airwallex gives the most today, paying from a Bank Account, received in a Bank Account.

• What is the USD to UYU exchange rate today?

  The mid-market rate is UYU 40.1992 per USD. Providers' rates run from UYU 1.00 to UYU 40.205.

• Can I get a better rate than the mid-market USD to UYU rate?

  Yes. Wise offers a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.

• Exchange rate or fee: what matters more when you send money to Uruguay?

  At USD 200, the typical fee is 3.80% of the amount, and the typical exchange rate has a markup of 3.97%. At USD 5,000, the typical fee is 1.20% of the amount, and the typical exchange rate has a markup of 5.45%. So the exchange rate matters more at every amount shown. Compare both: the cards above rank every way to send with both included.

• Does sending more money to Uruguay lower the cost?

  Yes. The typical total cost is 9.19% at USD 200, 6.94% at USD 1,000 and 6.65% at USD 5,000.

• Which payment method is cheapest for sending money from USA to Uruguay?

  Paying from a Bank Account has the lowest typical total cost at USD 1,000 (3.39%), and paying in Cash the highest (99.11%). On USD 1,000, that difference is worth about UYU 38,479 more to your recipient. The providers giving your recipient the most when paying from a Bank Account are Airwallex, Remitly and Wise.

• Is Debit Card cheaper than Credit Card for sending money to Uruguay?

  Yes. At USD 1,000, paying by Debit Card has a typical total cost of 4.43%, compared with 8.58% paying by Credit Card. On USD 1,000, that difference is worth about UYU 1,670 more to your recipient. Your card issuer may also charge a cash advance fee when you pay by Credit Card.

• Which delivery method is cheapest for sending money to Uruguay from USA?

  Receiving in a Bank Account has the lowest typical total cost at USD 1,000 (4.43%), and receiving as Cash Pickup the highest (6.95%). On USD 1,000, that difference is worth about UYU 1,013 more to your recipient. The providers giving your recipient the most when receiving in a Bank Account are Airwallex, Remitly and Panda Remit.

• Is Bank Account cheaper than Cash Pickup for sending money to Uruguay?

  Yes. At USD 1,000, receiving in a Bank Account has a typical total cost of 4.43%, compared with 6.95% receiving as Cash Pickup. On USD 1,000, that difference is worth about UYU 1,013 more to your recipient. Money typically arrives in a Bank Account in 2–4 days, and Cash Pickup is typically ready within 2 hours.

• How can I send cash to Uruguay from USA?

  MoneyGram, Ria Money Transfer and Western Union offer Cash Pickup in Uruguay. By published times, Cash Pickup can be ready instantly with MoneyGram.

• What is the fastest way to send money to Uruguay?

  By their published times, MoneyGram delivers fastest, instantly.

• Can I send money from USA to Uruguay instantly?

  Yes. Two providers publish delivery within an hour on some ways to send. On USD 1,000, the most your recipient gets that fast is UYU 39,089.21, with Panda Remit (paying by Debit Card, received in a Bank Account).

• How much money can I send to Uruguay from USA?

  Each provider sets its own limits. The lowest published maximum is USD 2,999, and 3 of 8 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Uruguay without fees?

  Yes, with Airwallex, Western Union and XE Money Transfer on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.

• Which providers send money from USA to Uruguay?

  RemitFinder compares 8 providers: Airwallex, MoneyGram, Panda Remit, Remitly, Ria Money Transfer, Western Union, Wise and XE Money Transfer.

• Which app is best to send money to Uruguay?

  It depends on your amount and how you pay. RemitFinder compares 8 providers and ranks every way to send for the amount you enter.

• Why do providers charge different amounts to send money to Uruguay?

  Each provider sets its own exchange-rate markup and fees, and both can change with how you pay, how your recipient gets the money and how much you send. At USD 1,000, none of the 6 providers that offer more than one way to pay change the rate with it.