UgandaUGXUgandan Shilling
The Ugandan shilling is not the same as the Kenyan or Tanzanian shilling: three different currencies with exchange rates that differ by multiples. It's easier than you might think to find the rate for the wrong country online, so ATM24 fixes the amount to be credited in the request before payment.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Ugandan shilling (UGX). It's important not to confuse it with the Kenyan shilling (KES) and Tanzanian shilling (TZS): these are three separate East African currencies with different exchange rates. Amounts in UGX are typically expressed in thousands, so when calculating it's especially important to verify the Ugandan currency. The country's economy is largely tied to the export of coffee, tea, and gold, with a portion of international payments coming from these sectors. Uganda does not use the IBAN format: for international SWIFT transfers you typically need the bank's SWIFT/BIC code, account number, and the recipient's full name.
Banking infrastructure is most developed in Kampala, Entebbe, Jinja, and Gulu; there are fewer branches outside major cities. The official languages are English and Swahili, and bank documents and international payment details are usually issued in English and Latin characters. The capital and main financial center is Kampala. Uganda operates on UTC+3 time zone, which coincides with Moscow time. ATM24 checks the available route in advance before confirming the request. International SWIFT transfers take 2–5 business days. ATM24's commission is from 0.9%.
Card networks operate in Kampala and major cities. The request includes the card number and cardholder's name in Latin characters. The amount in shillings is set in the request and does not change thereafter. Whether the payment will go through to the card is verified before payment
There is no IBAN format: the recipient is found using the SWIFT code and account number. You need the account number, bank's SWIFT code, and recipient's name. The bank name should be taken from the recipient's bank statement, not from hearsay. English is used in banks, so transliteration is not required
Cash can be withdrawn in Kampala and major cities. Main locations are Kampala, Entebbe, Jinja, and Gulu. There are fewer branches in rural areas, and travel takes time. The available amount is specified when the request is submitted
To send to Uganda you need the recipient's account number, their bank's SWIFT code, and their name in Latin characters; the country does not use the IBAN format, and English is widely used in banks, eliminating transliteration issues. ATM24 fixes the amount in Ugandan shillings in the request before payment, and it does not change before being credited.
We accept RUB, USD, EUR and USDT — we pay out in UGX
RUB UGX
40.69per 1 RUB
10 000 ₽ = 406 866 UGXUSD UGX
3,647.68per 1 USD
100 $ = 364 768 UGXEUR UGX
4,135.02per 1 EUR
100 € = 413 502 UGXUSDT UGX
3,647.68per 1 USDT
100 USDT = 364 768 UGX| You send | Payout in UGX |
|---|---|
| 100 USDT | 364 768 UGX |
| 300 USDT | 1 094 304 UGX |
| 500 USDT | 1 823 840 UGX |
| 1 000 USDT | 3 647 679 UGX |
| 5 000 USDT | 18 238 397 UGX |
Where recipients usually get the money in Uganda
Stanbic Bank Uganda — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Standard Chartered Uganda — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Centenary Bank Uganda — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Absa Bank Uganda — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Equity Bank Uganda — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National Currency
The national currency is the Ugandan shilling (UGX).
Card Systems
Visa and Mastercard are accepted at banks and major retail outlets. Bank cards are used by approximately 13% of Ugandans - the main payment channel is mobile money. Internet acquiring supports both cards and mobile money simultaneously through unified payment gateways.
Payment Applications
Uganda is a mobile money-dominated economy: 66% of residents use mobile money. MTN Mobile Money (over 17 million active users) and Airtel Money are the two main operators. Both are designated as separate legal entities under the National Payment Systems Act and offer transfers, bill payments, and microloans.
Interbank Transfers
The IBAN format is not used: international transfers use the bank's SWIFT/BIC code and account number. The main banking centers are Kampala, Entebbe, Jinja, and Gulu.
Financial Regulator
The Bank of Uganda is the central bank and regulator of the country's payment system. Oversight of mobile money operators is conducted in accordance with the National Payment Systems Act. In 2026, the bank will implement the Digital Drive Project, a program to reduce the cost of digital payments.
Special Features for ATM24
Uganda operates on UTC+3 time zone - time coincides with Moscow time. The official languages are English and Swahili.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
Manager Emil worked very promptly and answered all my clarifying questions, coordinated me and the courier, which allowed me to exchange currency for cash literally in 40 minutes without leaving home
Read full reviewEverything's great, we exchanged USDT for baht, everything was done as quickly as possible at the nearest ATM, the service is beyond praise.
Read full reviewYandex
For over a month now I’ve been using only this currency exchange service in Thailand. No limits, many exchange methods, prompt communication and cooperation. Especially grateful to manager Sofia, who is ready to help with any question. I recommend them. My money issues in Thailand are completely resolved.
Read full reviewThe exchange happened for the amount we agreed on Special thanks to manager Sofa, who patiently explained and helped when we made mistakes)
Read full reviewTrustpilot
10 minutes - international transfer is done. All the wuestions are answered quickly and clearly. My respect and recommendations.
Read full reviewEverything was very fast and convenient. At any point and place. They consulted and advised how to make it more profitable. Thank you for helping me out) Egor, thank you very much. Consultation at the highest level
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
We've collected answers about the Ugandan shilling, how it differs from neighboring currencies, and how the money reaches the recipient.
Sending money to Uganda with payout in UGX works best when the Uganda UGX payout route is checked before the sender pays. ATM24 verifies the route through a bank such as Stanbic Bank Uganda or dfcu Bank, confirms the final payout amount, and shows the fee and timing in advance. Bank-route examples for Uganda: Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda.
The recipient can use a card or bank account for a UGX transfer to Uganda if that channel is available for the bank. Before payment, ATM24 checks Stanbic Bank Uganda, Centenary Bank, card or account format, recipient name, and payout currency. International-card network availability is confirmed by route, not assumed for every bank. Bank-route examples for Uganda: Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda.
Banks for a UGX transfer to Uganda should be checked by the recipient's actual route; common references include Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda. ATM24 reviews bank name, account format, recipient-name spelling, and payout currency before the sender pays. A different bank can require a separate check.
For a UGX transfer to Uganda, ATM24 checks recipient details against the selected receiving route: Uganda UGX payout route, Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda, card payout, account payout, recipient name, UGX payout data, and payout-limit review for the exact receiving channel. The manager verifies name spelling, bank or card format, payout currency, and payment purpose before payment. If the recipient changes the route, the required fields are checked again. Bank-route examples for Uganda: Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda.
Transfer timing to Uganda in UGX starts from 15 minutes when the bank, card, or account route is ready. ATM24 checks Stanbic Bank Uganda, Centenary Bank, and any route limit before payment. If the receiving bank asks for clarification, processing can take longer. Bank-route examples for Uganda: Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda.
ATM24 calculates a transfer fee from 0.9% for payouts to Uganda in UGX. The final figure depends on the Uganda UGX payout route, amount, payment method, bank such as Centenary Bank, and whether the recipient receives money on a card or account. The sender sees the final payout amount before paying. Bank-route examples for Uganda: Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda.
Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives UGX in Uganda. The manager checks Stanbic Bank Uganda, Centenary Bank, payout route, exchange conditions, and final amount before payment. Any card conversion or sending-bank fee remains outside the recipient payout. Bank-route examples for Uganda: Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda.
ATM24 accepts transfers to Uganda in UGX from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Uganda UGX payout route, bank rules, payout channel, sender payment method, and recipient data. For a large transfer, the manager confirms the limit and documents before the sender pays. Bank-route examples for Uganda: Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda.
Large transfers to Uganda in UGX are checked by amount, recipient route, and receiving bank. ATM24 reviews Stanbic Bank Uganda, Absa Bank Uganda, card or account payout, payment purpose, and source-of-funds information. Any document request is named before the sender pays. Bank-route examples for Uganda: Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda.
The estimated payout for sending 1000 USD to Uganda in UGX should be checked by route: 3,647,679.41 UGX. ATM24 reviews Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda, card or account payout, fee from 0.9%, and exchange conditions. The manager confirms the final UGX amount in the order. Bank-route examples for Uganda: Stanbic Bank Uganda, Centenary Bank, dfcu Bank, Absa Bank Uganda, and Standard Chartered Bank Uganda.
Could not find an answer to your question?
Contact support
