Send Money to Uganda with Apple Pay via Towb

Today, Apple Pay is one of the leading digital payment solutions worldwide, offering users a seamless experience to make payments, send money, and manage their finances with just a single tap on their iPhones or Apple Watches. This innovation has helped millions simplify their financial lives — whether in-store, online, or for peer-to-peer transfers.

However, when it comes to Uganda, the picture is less clear. While Apple Pay has expanded across many countries, it is still not directly supported in Uganda. This raises key questions: Can Apple Pay be used in Uganda? What alternatives are available for residents there? And how can international users leverage Apple Pay to send money to Uganda indirectly?

This article aims to answer these questions clearly, outlining the current limitations, available alternatives, and potential opportunities Apple Pay may unlock in the Ugandan market in the future.

Can You Use Apple Pay in Uganda with Towb?

As of 2025, Apple Pay is not directly available in Uganda. This means residents cannot use it for in-store payments, online transactions, or local money transfers.

But here’s the clarification:
Apple Pay is not a money transfer service. It is essentially a digital wallet and secure payment method.

Apple Pay as a Payment Method Only

When you use Apple Pay, you are actually using a linked bank card (such as Visa or Mastercard) via your iPhone or Apple Watch. Apple Pay itself does not send money directly to Uganda, but it provides a convenient way to fund money transfers through platforms like Towb.

How Does It Work with Towb?

With Towb, international customers can use Apple Pay as a payment method to initiate a transfer. Here’s how the process works:

1. Choose Apple Pay as the Payment Option:
   At the start of your transfer with Towb, select Apple Pay to fund your transaction.

2. Funds Are Deducted from Your Linked Card:
   The amount is securely and instantly deducted from your bank card connected to Apple Pay.

3. Towb Processes the Transfer:
   Once Towb receives the funds, the money is sent to Uganda.

4. Flexible Payout Options for Recipients in Uganda:

   • Bank Deposit: Directly into local bank accounts.

   • Mobile Wallets: Such as MTN Mobile Money and Airtel Money, the most widely used options in Uganda.

   • Cash Pickup: Through Towb’s network of authorized partners.

Why Is This Useful?

• Simplicity: No need to manually enter card details — just use Apple Pay with a single tap.

• Security: Your card details are never shared with Towb or third parties, as Apple protects the transaction with encryption.

• Speed: The transfer begins instantly once Apple Pay confirms payment.

• Flexibility: Recipients in Uganda can receive funds the way that suits them best — bank account, mobile wallet, or cash.

How to Send Money to Uganda Using Apple Pay via Towb: Step by Step

Even though Apple Pay is not directly supported in Uganda, customers abroad can still use it to fund their transfers through Towb. Here’s a detailed guide:

1. Log In or Create an Account

• Log in to your Towb account.

• If you don’t have an account yet, create a new one via the website or app.

• Complete identity verification (KYC) to ensure secure and fast transfers.

2. Fund Your Towb Account via Apple Pay

• After logging in, fund your Towb account using Apple Pay.

• Select the bank card linked to Apple Pay and authenticate the payment via Face ID, Touch ID, or passcode.

• The amount will be instantly deducted from your bank card and credited to your Towb balance.

3. Start the Transfer

• Select Uganda as the recipient country.

• Enter the amount you want to send and choose the sending and receiving currencies.

• Towb will display the available payout options in Uganda (bank account, mobile wallet, or cash pickup).

4. Confirm Transfer Details

• Review the amount, fees, and exchange rate.

• Verify the recipient’s details carefully to avoid delays.

5. Execute the Transfer

• Once confirmed, Towb will transfer the funds from your funded balance to the recipient in Uganda via the chosen method:

  • Bank Deposit: Directly to the local account.

  • Mobile Wallets: Such as MTN Mobile Money or Airtel Money.

  • Cash Pickup: Through Towb’s network of authorized locations.

6. Delivery Notification and Tracking

• Once the money arrives, the recipient will receive an instant notification.

• You can track the transfer in real-time via the Towb app or SMS notifications.

Why Use Apple Pay with Towb?

• Ease of Use: One-tap payment without entering card details.

• High Security: Apple Pay keeps your card details private and encrypted.

• Fast Transfers: Once funded, Towb processes the transfer immediately.

• Flexible Payouts: The recipient chooses how to receive the money — mobile wallet, bank deposit, or cash.

✨ With Towb, sending money to Uganda via Apple Pay is smooth, safe, and fast — even though Apple Pay itself is not directly supported in Uganda.

What About Fees and Exchange Rates When Using Apple Pay with Towb?

When using Apple Pay to fund money transfers to Uganda with Towb, it’s important to understand the costs and exchange mechanisms to ensure a transparent experience.

1. Transfer Fees

Fees vary based on:

• Sender’s country: Charges differ depending on whether you send from Europe, the US, etc.

• Amount sent: Smaller amounts may have lower fees, while larger amounts may involve higher charges.

• Delivery method: Bank deposits, mobile wallets, or cash pickup may have different cost structures.

👉 Towb ensures competitive and transparent pricing, showing customers the exact fee before confirming the transfer.

2. Currency Exchange Fees

If you send money in USD, EUR, or GBP, Towb converts it into Ugandan Shillings (UGX).

• A small margin is added to the exchange rate to cover operational costs.

• Towb strives to keep exchange rates fair, maximizing value for the recipient.

3. Transfer Times

• Almost instant: For mobile wallets (MTN Mobile Money, Airtel Money), funds usually arrive immediately after Apple Pay payment.

• 1–2 business days: For local bank deposits, depending on the receiving bank’s processing times.

👉 Towb provides real-time tracking and instant notifications throughout the process.

Conclusion: With Towb, Your Money Reaches Uganda Safely and Easily

Sending money to Uganda has never been easier! With Towb, you can transfer funds quickly and securely via bank deposits, mobile wallets, or cash pickup. Every step is designed to ensure your money reaches loved ones with maximum value and minimum effort.

With transparent exchange rates and clear fees, you’ll never worry about hidden surprises or delays. All you need to do is choose the amount and delivery method — and Towb takes care of the rest.

💡 Towb Tip: Always compare payout methods to ensure your recipient gets the best possible value.

✨ Start today with Towb and send your money to Uganda safely and fast!