How to send money to the US from Brazil with the best BRL-USD rate

TapTap Send is the cheapest way to send money from Brazil to the United States. Sending R$40,000 will get your recipient 7,600 USD in minutes.

With TapTap Send, deposit via debit card and withdraw in bank deposit to get the most USD in the United States.

Best companies for BRL/USD transfers

6 of 6 providers

Last updated on 10 November 2026

Based on 40,000 BRL transfer

Best companies for BRL/USD transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee R$1,606.32 1 BRL = 0.1812 USD +0.10% vs mid-market Recipient gets $6,958.66 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in US with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
R$1,606.321 BRL = 0.1812 USD
$6,958.66You payR$40,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee R$0.00 1 BRL = 0.1809 USD +0.27% vs mid-market Recipient gets $7,237.61 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in US with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 BRL = 0.1809 USD
$7,237.61You payR$40,000.00

Run a live search

Showing top Brazil to United States deals for 40,000 BRL. Do a live search with your exact amount for today's best rates.

TapTap Send

Pay via Debit card
Fee R$0.00 1 BRL = 0.1900 USD -4.61% vs mid-market Recipient gets $7,600.00 Minutes
Cheapest
Receive to bank account

Ways to receive money in US with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 BRL = 0.1900 USD
$7,600.00You payR$40,000.00
Fast and no fee transfers between Revolut accounts

Revolut (P2P Transfer)

Pay via Bank transfer
Fee R$0.00 1 BRL = 0.1814 USD 0.00% vs mid-market Recipient gets $7,257.20 Minutes
0 reviews
Fastest
Multi-currency card

Ways to receive money in US with Revolut (P2P Transfer) when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 BRL = 0.1814 USD
$7,257.20You payR$40,000.00

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.

Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee R$0.00 1 BRL = 0.1809 USD +0.27% vs mid-market Recipient gets $7,237.61 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in US with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 BRL = 0.1809 USD
$7,237.61You payR$40,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee R$60.00 1 BRL = 0.1807 USD +0.39% vs mid-market Recipient gets $7,218.45 Next day
Multi-currency cardReceive to bank account

Ways to receive money in US with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositNext day
R$60.001 BRL = 0.1807 USD
$7,218.45You payR$40,000.00

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.

$0 fee on first online transfers

MoneyGram

Pay via Pix
Fee R$0.00 1 BRL = 0.1758 USD +3.15% vs mid-market Recipient gets $7,032.00 Minutes - 24 hours

Ways to receive money in US with MoneyGram when paying by pix.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 BRL = 0.1758 USD
$7,032.00You payR$40,000.00
Cash pickupMinutes - 24 hours
Free1 BRL = 0.1758 USD
$7,032.00You payR$40,000.00

Wise

Pay via Bank transfer
Fee R$1,606.32 1 BRL = 0.1812 USD +0.10% vs mid-market Recipient gets $6,958.66 Within minutes
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in US with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
R$1,606.321 BRL = 0.1812 USD
$6,958.66You payR$40,000.00

Wise

Pay via Pix
Fee R$1,606.32 1 BRL = 0.1812 USD +0.10% vs mid-market Recipient gets $6,958.66 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in US with Wise when paying by pix.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
R$1,606.321 BRL = 0.1812 USD
$6,958.66You payR$40,000.00
How Our Results Work
Mid-market rate: 1 BRL = 0.1814 USD Updates every 60 minutes.

How to send money from Brazil to US

Pick a company

Start with the cheapest, which is TapTap Send at 7,600 USD for a R$40,000 transfer.

TapTap Send was the cheapest on 15 of the 30 days it quoted R$40,000 transfers to the US.

The IOF is the same whichever company you pick, so it's about the exchange rate markup and the fees.

Fund your transfer

You have 3 ways to pay, including bank transfer, pix, and debit card.

Verify and send

You'll need your CPF and a photo ID to register and verify your account.

Once that's done, you can send money to the United States.

Compare amounts

How much BRL are you sending to US?

How much BRL you send to the US heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows TapTap Send was the cheapest in 51% of the transfers from R$40,000 it quoted, and in 50% of all the transfers it quoted.

Cheapest service
R$1,000-4.57%R$0.00$190.00with debit card to bank deposit+$14.46
R$5,000-4.57%R$0.00$950.00with debit card to bank deposit+$57.35
R$10,000-4.57%R$0.00$1,900.00with debit card to bank deposit+$114.06
R$40,000This page-4.61%R$0.00$7,600.00with debit card to bank deposit+$419.63
R$50,000-4.57%R$0.00$9,500.00with debit card to bank deposit+$522.85
R$100,000-4.59%R$0.00$19,000.00with debit card to bank deposit+$1,046.82

Mid-market rate: 1 BRL = 0.1814 USD

BRL/USD Exchange Rate History

Is today a good time to send money from Brazil to US?

The cheapest way to send BRL to USD can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's TapTap Send), across 30 days of comparisons for 40,000 BRL transfers to the US.

USD received for R$40,000, after fees

Tue, Nov 10, 2026Mid-market rate$7,257.20 TapTap Send $7,600.00TapTap Send$7,600.00Revolut (P2P Transfer)$7,257.20Regency FX$7,237.61

7,000
7,200
7,400
7,600
7,800
8,000
8,200
At the mid-market rateWith the cheapest optionTapTap SendRevolut (P2P Transfer)Regency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2005 – $8,020.04
Revolut (P2P Transfer) Cheapest 0.2005 R$0.00 $8,020.04 Same
Regency FX 0.2000 R$0.00 $7,998.39 −$21.65
TapTap Send 0.1900 R$0.00 $7,600.00 −$420.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2005 – $8,021.80
Revolut (P2P Transfer) Cheapest 0.2005 R$0.00 $8,021.80 Same
Regency FX 0.2000 R$0.00 $8,000.14 −$21.66
TapTap Send 0.1900 R$0.00 $7,600.00 −$421.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1989 – $7,955.60
Revolut (P2P Transfer) Cheapest 0.1989 R$0.00 $7,955.60 Same
Regency FX 0.1984 R$0.00 $7,934.12 −$21.48
TapTap Send 0.1900 R$0.00 $7,600.00 −$355.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1983 – $7,934.00
Revolut (P2P Transfer) Cheapest 0.1983 R$0.00 $7,934.00 Same
Regency FX 0.1978 R$0.00 $7,912.58 −$21.42
TapTap Send 0.1900 R$0.00 $7,600.00 −$334.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1962 – $7,846.52
Revolut (P2P Transfer) Cheapest 0.1962 R$0.00 $7,846.52 Same
Regency FX 0.1956 R$0.00 $7,825.33 −$21.19
TapTap Send 0.1900 R$0.00 $7,600.00 −$246.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1974 – $7,897.16
Revolut (P2P Transfer) Cheapest 0.1974 R$0.00 $7,897.16 Same
Regency FX 0.1969 R$0.00 $7,875.84 −$21.32
TapTap Send 0.1900 R$0.00 $7,600.00 −$297.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1974 – $7,897.16
Revolut (P2P Transfer) Cheapest 0.1974 R$0.00 $7,897.16 Same
Regency FX 0.1969 R$0.00 $7,875.84 −$21.32
TapTap Send 0.1900 R$0.00 $7,600.00 −$297.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1974 – $7,897.96
Revolut (P2P Transfer) Cheapest 0.1974 R$0.00 $7,897.96 Same
Regency FX 0.1969 R$0.00 $7,876.64 −$21.32
TapTap Send 0.1900 R$0.00 $7,600.00 −$297.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1984 – $7,936.36
Revolut (P2P Transfer) Cheapest 0.1984 R$0.00 $7,936.36 Same
Regency FX 0.1979 R$0.00 $7,914.93 −$21.43
TapTap Send 0.1900 R$0.00 $7,600.00 −$336.36
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1990 – $7,961.96
Revolut (P2P Transfer) Cheapest 0.1990 R$0.00 $7,961.96 Same
Regency FX 0.1985 R$0.00 $7,940.46 −$21.50
TapTap Send 0.1900 R$0.00 $7,600.00 −$361.96
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1990 – $7,961.00
Revolut (P2P Transfer) Cheapest 0.1990 R$0.00 $7,961.00 Same
Regency FX 0.1985 R$0.00 $7,939.51 −$21.49
TapTap Send 0.1900 R$0.00 $7,600.00 −$361.00
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1979 – $7,916.88
Revolut (P2P Transfer) Cheapest 0.1979 R$0.00 $7,916.88 Same
Regency FX 0.1974 R$0.00 $7,895.50 −$21.38
TapTap Send 0.1900 R$0.00 $7,600.00 −$316.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2014 – $8,056.08
Revolut (P2P Transfer) Cheapest 0.2014 R$0.00 $8,056.08 Same
Regency FX 0.2009 R$0.00 $8,034.33 −$21.75
TapTap Send 0.1900 R$0.00 $7,600.00 −$456.08
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2014 – $8,056.08
Revolut (P2P Transfer) Cheapest 0.2014 R$0.00 $8,056.08 Same
Regency FX 0.2009 R$0.00 $8,034.33 −$21.75
TapTap Send 0.1900 R$0.00 $7,600.00 −$456.08
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2009 – $8,036.32
Revolut (P2P Transfer) Cheapest 0.2009 R$0.00 $8,036.32 Same
Regency FX 0.2004 R$0.00 $8,014.62 −$21.70
TapTap Send 0.1900 R$0.00 $7,600.00 −$436.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1861 – $7,444.68
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$155.32
Revolut (P2P Transfer) 0.1861 R$0.00 $7,444.68 Same
Regency FX 0.1856 R$0.00 $7,424.58 −$20.10
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1869 – $7,474.52
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$125.48
Revolut (P2P Transfer) 0.1869 R$0.00 $7,474.52 Same
Regency FX 0.1864 R$0.00 $7,454.34 −$20.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1870 – $7,481.12
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$118.88
Revolut (P2P Transfer) 0.1870 R$0.00 $7,481.12 Same
Regency FX 0.1865 R$0.00 $7,460.92 −$20.20
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1857 – $7,428.16
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$171.84
Revolut (P2P Transfer) 0.1857 R$0.00 $7,428.16 Same
Regency FX 0.1852 R$0.00 $7,408.10 −$20.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1838 – $7,352.80
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$247.20
Revolut (P2P Transfer) 0.1838 R$0.00 $7,352.80 Same
Regency FX 0.1833 R$0.00 $7,332.95 −$19.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1838 – $7,352.80
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$247.20
Revolut (P2P Transfer) 0.1838 R$0.00 $7,352.80 Same
Regency FX 0.1833 R$0.00 $7,332.95 −$19.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1838 – $7,351.04
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$248.96
Revolut (P2P Transfer) 0.1838 R$0.00 $7,351.04 Same
Regency FX 0.1833 R$0.00 $7,331.19 −$19.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1837 – $7,347.52
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$252.48
Revolut (P2P Transfer) 0.1837 R$0.00 $7,347.52 Same
Regency FX 0.1832 R$0.00 $7,327.68 −$19.84
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1822 – $7,287.84
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$312.16
Revolut (P2P Transfer) 0.1822 R$0.00 $7,287.84 Same
Regency FX 0.1817 R$0.00 $7,268.16 −$19.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1831 – $7,325.08
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$274.92
Revolut (P2P Transfer) 0.1831 R$0.00 $7,325.08 Same
Regency FX 0.1826 R$0.00 $7,305.30 −$19.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1817 – $7,268.12
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$331.88
Revolut (P2P Transfer) 0.1817 R$0.00 $7,268.12 Same
Regency FX 0.1812 R$0.00 $7,248.50 −$19.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1817 – $7,266.24
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$333.76
Revolut (P2P Transfer) 0.1817 R$0.00 $7,266.24 Same
Regency FX 0.1812 R$0.00 $7,246.62 −$19.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1817 – $7,266.24
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$333.76
Revolut (P2P Transfer) 0.1817 R$0.00 $7,266.24 Same
Regency FX 0.1812 R$0.00 $7,246.62 −$19.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1813 – $7,252.40
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$347.60
Revolut (P2P Transfer) 0.1813 R$0.00 $7,252.40 Same
Regency FX 0.1808 R$0.00 $7,232.82 −$19.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1814 – $7,257.20
TapTap Send Cheapest 0.1900 R$0.00 $7,600.00 +$342.80
Revolut (P2P Transfer) 0.1814 R$0.00 $7,257.20 Same
Regency FX 0.1809 R$0.00 $7,237.61 −$19.59

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send R$40,000, after fees, as quoted by each company. The mid-market line shows what R$40,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more USD per BRL than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 15 of the last 30 days.

Right now, TapTap Send pays 7,600 USD on 40,000 BRL, which is 342.80 USD more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 8,056.08 USD.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

If you need to send money now, it's a good time to send.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to the US.

We've tracked 179 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. TapTap SendAppeared in 179 comparisons

    Cheapest in 50% of them

  2. Revolut (P2P Transfer)Appeared in 176 comparisons

    Cheapest in 49% of them

  3. Regency FXAppeared in 89 comparisons

    Never the cheapest

Based on 179 comparisons across 6 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today TapTap Send is the cheapest and gets you the most USD, and it was also the cheapest in 50% of the 179 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to the US.

Revolut (P2P Transfer) (today's second cheapest) was the cheapest in only 49% of its comparisons, so it's rarely the cheapest option for transfers to the US.

Ways to send money from Brazil to US

There are 6 ways to send money to the United States across 6 money transfer companies.

For everyday transfers

Online transfers

For most transfers from Brazil to the United States, money transfer companies like TapTap Send are the cheapest way.

You can fund an online transfer with bank transfer, pix, and debit card.

TapTap Send charges R$0 and adds -4.61% markup when sending R$40,000, this will get you 7,600 USD in the United States.

In our comparisons over the past month, it was the cheapest online service on 15 of the 30 days it quoted.

For property and other large transfers

Currency brokers

Brokers are best for large transfers, they will negotiate a better BRL/USD rate, handle the paperwork, and guide you over the phone.

Regency FX converts BRL to USD with an exchange-rate markup of around 0.27%.

I'd suggest , since the rate gets better the more you send.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from R$40,000 it quoted.

For receiving cash in Portugal

Cash pickup

If your recipient in the United States needs cash, you can do it with MoneyGram.

Sending R$40,000 will get you $7,032 after the fees with MoneyGram.

Your recipient will collect cash at the nearest MoneyGram branch in the United States.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

Holding AUD and other currencies

Multi-currency accounts

Revolut lets you hold, convert, and spend BRL and USD from one account.

Swapping R$40,000 with Revolut will get you 7,218.45 USD after all fees.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

You can then spend it in the United States or Brazil and receive USD payments.

For freelancers & businesses

Global accounts

Global accounts like Airwallex, Wise Business, and Payoneer help with international USD payments, invoicing, receiving payments, and more.

These are great for Brazilian businesses and freelancers, but not personal transfers.

Ways to fund BRL and receive USD in US

With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest combination. Sending R$40,000 gives your recipient 7,600 USD.

For paying for your transfer, you have bank transfer, pix, and debit card.

You can fund the transfer with Pix

You can use Pix as a funding method, but it can’t send BRL to the United States directly.

Scan the company's QR code or copy its Pix key, then approve R$40,000 in your Brazilian banking app.

For withdrawals in the United States, they can get it as bank deposit and cash pickup.

IOF can apply when you convert and send BRL abroad, so double check the tax shown before you send.

  1. 1
    Debit card Bank deposit

    You pay R$40,000.00

    $7,600

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay R$40,000.00

    $7,257

    -$343

  3. 3
    Pix Bank deposit

    You pay R$40,000.00

    $7,032

    -$568

  4. 4
    Pix Cash pickup

    You pay R$40,000.00

    $7,032

    -$568

Consider this when sending BRL to US

Brazilian transfer quotes should show the tax, fee and exchange rate. The easiest way to compare them is through the VET, then check whether the payment is a transfer of your own money or a gift.

Compare BRL/USD transfer options

For a R$40,000 payment to the United States, I suggest starting with these:

Cheapest:

TapTap Send, funded by debit card with bank deposit in the United States. Your recipient gets 7,600 USD, which is 4.51% more than the next best option.

Fastest:

TapTap Send, paid by debit card with bank deposit for the payout. It delivers 7,600 USD in minutes.

Pix can fund but not send

Pix can be used to deposit BRL from your bank to the transfer company's Brazilian account, but it cannot send money directly to the United States.

The company then switches to local rails or uses an internal network of accounts to move BRL to the United States.

A gift can have a separate state tax

Moving your own money and making a gift are not treated the same.

A gift may fall under ITCMD, which is set and collected by the relevant Brazilian state.

The rate, exemption and filing process depend on the state and the facts of the gift.

Check this before sending a large amount to family, particularly when the sender, recipient or estate has links to different states.

Use a company authorised for câmbio

The Banco Central do Brasil says an authorised institution or its correspondent should explain the required documents and provide the VET.

If in doubt, check the institution's legal name with the Banco Central before sending.

Reclame Aqui can show service problems, but it does not replace the regulatory check.

How we analyse the market

We track 6 authorised companies sending BRL to the United States, updated in real time during live comparisons.

The IOF is identical whoever you pick, so we compare on the spread and the all-in rate, plus the ways to pay and collect.

In the past 30 days alone, we analysed 179 comparisons across 6 amounts.

This page covers the cheapest and fastest options for BRL/USD transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. More on who we are, why you can trust us and how to get started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.