UgSend provides technology and programme support for UK to Uganda transfers. Payment collection, safeguarding, currency conversion and payout services are provided by trusted FCA-authorised payment or e-money partners and licensed mobile money payout partners where applicable. UgSend does not hold client funds, operate a customer wallet or payment account, issue e-money, convert currency on its own book, or act as a bank. Customers pay no transfer fee; our only margin is a 0.9% FX spread shown on the live mid-market rate before payment. Where a non-bank payment or e-money partner is used, FSCS deposit protection may not apply; safeguarding protections are provided by that partner under its terms and applicable regulations. Exchange rates and recipient amounts are estimates until the rate is locked and the transfer is confirmed.