The Cheapest Ways to Send Money Abroad from Brazil from 2026

Cheapest money transfers from Brazil right now

The cheapest service delivers the most foreign currency for the same BRL budget after fees, exchange costs and applicable IOF.

Use both amount tabs because a fixed charge has more impact at R$1,000, while the exchange rate usually becomes more important at R$10,000.

Amount

AmountBRL 1,000BRL 10,000Custom

Last updated at 09/26/2026

BRL USD

Mid Market Rate R$1 = $0.1926R$1 = $0.1926

Transfer Amount R$1,000R$10,000

1

Revolut

2

TapTap Send

3

MoneyGram

4

Western Union

1

Revolut

2

TapTap Send

3

MoneyGram

4

Western Union

Receive amount

Transfer fee

FX rate

Markup

Delivery time

Cheapest payment method

$190.41

R$10.00

0.1923

0.15%

Next day

Bank transfer

Visit

$190.00

R$0.00

0.1900

1.36%

Minutes

Debit card

Visit

$187.60

R$0.00

0.1876

2.63%

Minutes - 24 hours

-

Visit

$186.47

R$0.00

0.1865

3.22%

Minutes - 2 days

Debit card

Visit

$1,921.41

R$15.00

0.1924

0.09%

Next day

Bank transfer

Visit

$1,900.00

R$0.00

0.1900

1.35%

Minutes

Debit card

Visit

$1,876.00

R$0.00

0.1876

2.62%

Minutes - 24 hours

-

Visit

$1,864.66

R$0.00

0.1865

3.21%

Minutes - 2 days

Debit card

Visit

BRL HTG

Mid Market Rate R$1 = HTG 25.2042R$1 = HTG 25.2027

Transfer Amount R$1,000R$10,000

1

MoneyGram

2

TapTap Send

3

Wise

1

MoneyGram

2

TapTap Send

3

Wise

Receive amount

Transfer fee

FX rate

Markup

Delivery time

Cheapest payment method

HTG 25,152.90

R$0.00

25.1529

0.20%

Minutes - 24 hours

-

Visit

HTG 25,000.00

R$4.99

25.0000

0.81%

Minutes

Debit card

Visit

HTG 21,959.36

R$127.61

25.1715

0.13%

Within a week

-

Visit

HTG 251,529.00

R$0.00

25.1529

0.20%

Minutes - 24 hours

-

Visit

HTG 250,000.00

R$4.99

25.0000

0.81%

Minutes

Debit card

Visit

HTG 228,527.27

R$921.19

25.1715

0.12%

Within a week

-

Visit

BRL GBP

Mid Market Rate R$1 = £0.1457R$1 = £0.1457

Transfer Amount R$1,000R$10,000

1

Revolut

2

MoneyGram

3

Western Union

4

Wise

1

Revolut

2

MoneyGram

3

Western Union

4

Wise

Receive amount

Transfer fee

FX rate

Markup

Delivery time

Cheapest payment method

£143.79

R$10.00

0.1453

0.27%

Within minutes

Bank transfer

Visit

£142.60

R$0.00

0.1426

2.14%

Minutes - 24 hours

-

Visit

£140.94

R$0.00

0.1409

3.34%

Minutes - 2 days

Debit card

Visit

£139.54

R$42.44

0.1457

-0.01%

Within minutes

-

Visit

£1,451.62

R$15.00

0.1454

0.20%

Within minutes

Bank transfer

Visit

£1,426.00

R$0.00

0.1426

2.14%

Minutes - 24 hours

-

Visit

£1,409.42

R$0.00

0.1409

3.34%

Minutes - 2 days

Debit card

Visit

£1,398.18

R$403.56

0.1457

-0.01%

Within minutes

-

Visit

BRL EUR

Mid Market Rate R$1 = €0.1693R$1 = €0.1692

Transfer Amount R$1,000R$10,000

1

TapTap Send

2

Revolut

3

Western Union

4

MoneyGram

1

Revolut

2

TapTap Send

3

Western Union

4

MoneyGram

Receive amount

Transfer fee

FX rate

Markup

Delivery time

Cheapest payment method

€168.00

R$0.00

0.1680

0.77%

Minutes

Debit card

Visit

€167.15

R$10.00

0.1688

0.30%

Within minutes

Bank transfer

Visit

€166.47

R$0.00

0.1665

1.67%

Minutes - 2 days

Debit card

Visit

€163.30

R$0.00

0.1633

3.61%

Minutes - 24 hours

-

Visit

€1,686.36

R$15.00

0.1689

0.19%

Within minutes

Bank transfer

Visit

€1,680.00

R$0.00

0.1680

0.73%

Minutes

Debit card

Visit

€1,664.66

R$0.00

0.1665

1.62%

Minutes - 2 days

Debit card

Visit

€1,633.00

R$0.00

0.1633

3.56%

Minutes - 24 hours

-

Visit

Table updates weekly. All information comes directly from our comparisons, provider APIs, and manual rate collection.

Since BRL rates change all the time, this table shows the cheapest options right now to send from Brazil, while the list below covers companies that are generally competitive for different types of transfer.

Cheapest services for sending money from Brazil

The cheapest choice depends on your amount, payment purpose and how the recipient collects the money.

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

Visit

"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

1 - 5 days

Visit

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Transfer Speed

Minutes - 3 days

Visit

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

8.5

TapTap Send

Fees

Exchange Rate Markup

Transfer Speed

Minutes

Visit

"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

Visit

"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

8.5

Regency FX

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Transfer Speed

Minutes - 24 hours

Visit

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Wise

Wise shows the commercial exchange rate and transfer fee upfront.

Brazilian tax residents can fund from their own account through Pix or TED, with no card, boleto or SWIFT funding for BRL transfers.

That narrow funding route avoids card charges, although your bank and the selected transfer purpose can still affect the complete cost.

Wise includes its fee and applicable tax in the quote, making it easier to compare VET without adding IOF a second time.

A visible service fee does not make Wise more expensive than a zero-fee company with a worse exchange rate.

Use the recipient amounts below to judge whether Wise’s itemised fee delivers better value than an exchange-rate margin elsewhere.

Remessa Online

Remessa Online supports larger personal payments once you provide the required documents.

Funding comes through Pix or TED from your own individual account, while a joint account cannot pay the transfer.

Standard personal registration permits R$180,000 daily and R$360,000 over a rolling 365 days, with a documented higher-limit process available.

That process can make Remessa more practical than a lower app quote that cannot accept the required amount or purpose.

Its fee and exchange margin vary, so compare the checkout VET and any correspondent charge with Wise, Rendimento and Regency.

I would complete the document review before fixing a payment deadline or assuming the standard limit covers several linked transactions.

Rendimento Câmbio

Rendimento Câmbio charges no online service tariff for eligible USD and EUR transfers.

Qualifying purposes include overseas account availability, student or dependent maintenance, courses and investments, with the correct documents required.

Zero service tariff still leaves the exchange rate and applicable IOF inside the VET, so it does not mean a cost-free transfer.

The quote shows the rate, tax and VET before payment, making a direct comparison with Wise or Remessa Online possible.

I would use Rendimento for a supported and accurately classified purpose, particularly education or a transfer to your own overseas account.

Do not relabel the transfer to obtain a lower tax treatment, because the real payment purpose determines the applicable IOF category.

Western Union

I'd use Western Union when cash collection is worth the extra cost.

Brazilian senders can pay online or in the app using a local bank route or Pix, with cash payment available through agents.

The company can earn through the exchange rate as well as the visible fee, making the final cash amount the useful cost measure.

Cash can be available within minutes, although identification, agent hours and transaction review can extend the collection time.

Ignore temporary zero-fee promotions when judging repeat cost, then compare the standard cash quote with Remitly for the same location.

A bank-deposit quote cannot establish which cash service is cheaper because the payout method can change both price and exchange rate.

Remitly

Remitly's introductory offer can make a first transfer cheaper.

Welcome exchange rates or fee discounts can make the first transfer look cheaper than the repeat service you will use later.

Compare the ordinary fee, rate and recipient amount after the offer expires, keeping the delivery tier and payout method identical.

You fund the transfer with Pix, while the selected destination determines whether bank or cash delivery is available.

I would compare Remitly with Western Union for cash and with Wise for bank delivery, rather than mixing the two recipient outcomes.

Additional document checks can affect the usable limit and timing, so complete verification before relying on an urgent quote.

Here's what you can expect to get with Remitly (Economy) when sending money abroad:

TapTap Send

TapTap Send charges a low fixed fee for BRL transfers to Haiti through Unitransfer.

The Haiti route charges R$4.90 for HTG delivery through Unitransfer at any amount, with a US$1.50 Haitian transfer tax also applying.

The R$4.90 service fee equals 0.49% of R$1,000 but only 0.049% of R$10,000, before exchange costs and applicable taxes.

After verification, you have 15 minutes to complete the Pix payment for a transfer, which is separate from the overseas delivery time.

Check whether the Haitian tax is included in the final quote before adding it separately to your cost calculation.

TapTap also supports other destinations and payout options, including mobile wallets where available, with a R$13,000 per-transfer limit from Brazil.

The fixed Haiti fee cannot be extended to Portugal, the United States or Argentina, where the route uses its own price.

These tables show TapTap quotes for the four destination currencies supported by the scheduled data at both example amounts.

Revolut

Revolut suits small exchanges within the monthly BRL allowance, especially between Revolut users.

Standard includes R$1,000 of BRL exchange each month without a conversion fee, counting exchanges both into and out of reais.

After that allowance is exceeded, subsequent BRL-to-foreign-currency exchanges carry a 1.4% fee, so repeated conversions can quickly change the cost.

Foreign-to-foreign exchange has a separate R$10,000 monthly allowance, so that higher threshold does not apply to the original BRL conversion.

Foreign-to-foreign exchanges also carry a 1% weekend charge, making an unnecessary second conversion especially expensive outside the working week.

Internal transfers can be free after conversion, but BRL is unsupported for Revolut-to-Revolut transfers and must first become an accepted currency.

Once the BRL allowance is exhausted, I would favour Wise or Remessa Online if their total price beats Revolut’s conversion and transfer charges.

With Revolut Standard, this is what you will get when sending different amounts to popular destinations:

Regency FX

Regency FX offers negotiated exchange rates and account support for larger BRL transfers.

Brazilian residents can fund in BRL, while the managed process helps with the payment details and timing of a larger conversion.

Ask your account manager for the complete BRL funding instructions and final recipient amount before committing to the exchange rate.

For illustration, reducing the exchange margin by 0.5 percentage points saves roughly R$500 on a R$100,000 conversion, before other charges.

Compare the final BRL debit and recipient amount with Remessa Online and Rendimento using the same purpose and destination.

I would avoid using it for a casual low-value transfer when a self-service Pix option already provides the required recipient route.

On large transfers, FX margin is the bigger cost, here's what to expect from RegencyFX:

Compare the full cost using VET

VET shows the BRL cost of one unit of foreign currency after the exchange rate, applicable IOF and relevant service charges.

Current rules apply 3.5% IOF to overseas availability transfers, including ordinary transfers to your own account, while qualifying investment-purpose availability is 1.10%.

Other non-exempt outbound operations can also attract 3.5%, although exceptions and purpose-specific categories remain.

Compare quotes using the same real purpose and check whether IOF is already included.

For illustration, buying US$1,000 at a VET of R$5.60 costs R$5,600, compared with R$5,700 at a VET of R$5.70.

These hypothetical all-in prices differ by R$100, even if the more expensive quote has no separate service fee.

For wider service features and support, check out our guide to the best money transfer companies in Brazil.

Are Brazilian banks cheaper than transfer services?

Your bank can be competitive, but a low transfer fee alone does not show whether its exchange rate offers good value.

Check the bank’s VET and any overseas intermediary deductions against a transfer service offering the same destination currency and payout method.

For an overseas invoice, compare the BRL debit needed to deliver the exact amount due, including any charges paid by the recipient.

How to save on an international money transfers from Brazil

Use a current comparison for your destination and amount, then check any Brazilian specialist serving your exact purpose.