TorFX
The most money arrives: USh2,413,711, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: USh2,413,711.
Lowest upfront fee (No fee) — the exchange rate still decides what arrives.
Transfer comparison
Compare today's fees, exchange rates, delivery times and recipient amounts across 5 providers.
Rates updated 2 hours ago
Ranked by what your recipient actually gets.
| Provider | Recipient gets | Fee | Rate | Delivery | Best for | |
|---|---|---|---|---|---|---|
|
|
USh2,413,711 | No fee | 241.3711 | Minutes to 2 days | Most money received Best for Bank deposit | Send with TorFX (opens in a new tab) |
|
|
USh2,410,813 USh2,898 less | R1.99 | 241.1293 | 1-3 days | Best for Mobile money Best for Cash pickup | Send with XE (opens in a new tab) |
|
|
USh2,406,093 USh7,618 less | R51.50 | 241.8548 | Seconds to 2 business days | Fastest delivery | Send with Wise (opens in a new tab) |
|
|
USh2,394,363 USh19,348 less | No fee | 239.4363 | Minutes to 1 business day | Bank deposit · Cash pickup · Mobile money | Send with Western Union (opens in a new tab) |
|
|
USh2,393,407 USh20,304 less | R3.99 | 239.4363 | Minutes (Express) / 1–3 days (Economy) | Bank deposit · Cash pickup · Mobile money | Send with Remitly (opens in a new tab) |
Amounts are estimates based on the mid-market reference rate and each provider's published or typical pricing. The final amount is confirmed by the provider at checkout.
The most money arrives: USh2,413,711, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: USh2,413,711.
Lowest upfront fee (No fee) — the exchange rate still decides what arrives.
Quickest to arrive: Seconds to 2 business days.
Pays the most to Mobile money: USh2,410,813.
Pays the most to Cash pickup: USh2,410,813.
"Best overall" means the most money reaches your recipient after the transfer fee and the exchange-rate margin. Commission and sponsorship never change the order. Some figures are estimates — confirm the final amount on the provider's screen.
After fees and exchange-rate costs, your recipient gets about USh2,413,711
Choosing TorFX over Remitly puts USh20,304 more in your recipient's hands on this transfer.
Where your money goes with TorFX
Rate offered: 1 ZAR = 241.3711 UGX. Mid-market: 241.8548.
Every transfer has two costs: the fee you see up front, and the exchange-rate margin — the gap between the rate you get and the mid-market rate. Add them together and you have the true price.
Western Union charges no transfer fee — yet its exchange rate leaves your recipient USh19,348 less than TorFX. A $0 fee is not the same as the cheapest transfer.
Only methods offered by the providers above.
3 providers
5 providers
3 providers
Compare the options above and pick the one that fits your priority. For the most money arriving, that's TorFX today (USh2,413,711).
Enter R10,000 as the amount you send and add your recipient's details exactly as they appear on their ID or account.
Select Mobile money, Bank deposit, Cash pickup — whichever your recipient can use.
Check the final amount on the provider's confirmation screen, pay, then track the transfer until it arrives.
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Today the total cost — transfer fee plus exchange-rate margin — ranges from R20.00 with TorFX to R103.95 with Remitly across the 5 providers we compare.
TorFX is the cheapest overall today: your recipient gets USh2,413,711 after a No fee fee. That counts the exchange rate as well as the fee, so it can differ from the provider with the lowest advertised fee.
Between USh2,393,407 and USh2,413,711 depending on the provider, at today's rates. At the mid-market rate with no costs at all, R10,000 would be USh2,418,548.
Wise is the quickest, delivering seconds to 2 business days. Bank deposits can take longer than mobile money or cash pickup, and a first transfer may be held for identity checks.
Yes. 3 providers pay out to Mobile money, including XE, Western Union, Remitly. XE pays the most: USh2,410,813. Mobile money accounts have transaction and daily limits set by the operator, so check them before sending a large amount.
TorFX gives your recipient USh2,898 more than XE today (USh2,413,711 against USh2,410,813). Rates change, so compare again on the day you send.
Yes. 5 providers we compare deposit into bank accounts in Uganda. TorFX pays the most: USh2,413,711. Bank deposits are often slower than mobile money.
5 of the providers we compare accept R10,000 on this route. These can't: WorldRemit (Maximum transfer is R5,000.00). Larger transfers can also trigger extra identity or source-of-funds checks.