How to send money to Brazil from the US with the best USD-BRL rate
We compared 10 companies sending money from the United States to Brazil. Revolut (P2P Transfer) is the best and cheapest, while Revolut is the fastest.
Sending $7,000 with Revolut (P2P Transfer) gets your recipient 38,571.41 BRL at 5.5102 BRL per USD.
Best companies for USD/BRL transfers
10 of 10 providers
Last updated on 10 November 2026i
This page updates weekly. We collect, store, and analyze USD/BRL exchange rates from our comparisons.
Based on 7,000 USD transfer
Best companies for USD/BRL transfers
All money transfer offers for USD/BRL transfers, sorted by most BRL received. The first two offers may be sponsored promotions. Some offers here pay us a commission.
Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Brazil with Xe when paying by bank transfer.
MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 5.4526 BRL
R$38,168.20You pay$7,000.00
Run a live search
Showing top United States to Brazil deals for 7,000 USD. Do a live search with your exact amount for today's best rates.
Run a live search
Showing companies that send from a business account. Run a business search to get live USD to BRL rates.
Run a live search
These companies offer multi-currency accounts for spending BRL. We suggest doing a live search based on how much USD you're planning to spend in Brazil.
Run a live search
These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Fast and no fee transfers between Revolut accounts
Revolut (P2P Transfer)
Pay via Bank transfer
Fee$0.001 USD =5.5102 BRL0.00%vs mid-market
Recipient getsR$38,571.41 Minutes
0 reviews
Cheapesti
Using Bank transfer with Revolut (P2P Transfer) is the cheapest way to send money to Brazil from United States.
Multi-currency card
Ways to receive money in Brazil with Revolut (P2P Transfer) when paying by bank transfer.
MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 USD = 5.5102 BRL
R$38,571.41You pay$7,000.00
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.
Mid-market rate: 1 USD = 5.5102 BRLUpdates every 60 minutes.
Transfer details
How to send money from US to Brazil
Pick a company
If you're sending a one-off transfer, then Revolut (P2P Transfer) is the best option.
Revolut (P2P Transfer) was the cheapest on 18 of the 28 days it quoted $7,000 transfers to Brazil.
For recurring transfers, I'd suggest using an app like TapTap Send or a multi-currency account.
For large transfers, a broker like Regency FX is the best option.
If your recipient needs cash, MoneyGram is the cheapest.
How much you send will affect the best option for you right now.
Pay for it
You have 4 ways to pay for your transfer to Brazil, including bank transfer, debit card, credit card, and cash deposit.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
Check and send
First time round you'll need to confirm who you are.
An SSN isn't required, an ITIN or a foreign passport works with most companies here.
Compare amounts
How much USD are you sending to Brazil?
How much USD you send to Brazil 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 Revolut (P2P Transfer) was the cheapest in 51% of the transfers from $5,000 it quoted, and in 40% of all the transfers it quoted.
How much more the cheapest provider gets you than the average of all providers we compared at this amount.
Cheapest service
$500
0.00%
$2.99
R$2,755.00with debit card to pix
+R$117.69
$2,000
-0.88%
$0.00
R$11,115.20with remitly wallet to bank deposit
+R$313.34
$5,000
-0.26%
$0.00
R$27,619.50with remitly wallet to bank deposit
+R$391.32
$7,000This page
0.00%
$0.00
R$38,571.41with bank transfer to bank deposit
+R$493.17
$10,000
-0.01%
$2.99
R$55,100.00with debit card to pix
+R$700.49
$50,000
0.00%
$0.00
R$275,570.00with bank transfer to bank deposit
+R$4,911.88
$100,000
0.00%
$0.00
R$551,160.00with bank transfer to bank deposit
+R$9,853.16
$250,000
-0.01%
$2.99
R$1,377,500.00with debit card to pix
+R$24,263.33
Mid-market rate: 1 USD = 5.5102 BRL
USD/BRL Exchange Rate History
Is today a good time to send money from US to Brazil?
The cheapest way to send USD to BRL 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 Revolut (P2P Transfer)), across 30 days of comparisons for 7,000 USD transfers to Brazil.
At the mid-market rateWith the cheapest optionRevolut (P2P Transfer)TapTap SendRegency FX
Nov 4Nov 5Nov 6Nov 7Nov 8Nov 9Nov 10
34,000
35,000
36,000
37,000
38,000
39,000
At the mid-market rateWith the cheapest optionRevolut (P2P Transfer)TapTap SendRegency FX
Oct 12Oct 22Oct 31Nov 10
34,000
35,000
36,000
37,000
38,000
39,000
At the mid-market rateWith the cheapest optionRevolut (P2P Transfer)TapTap SendRegency FX
Aug 13Sep 12Oct 11Nov 10
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
4.9907
–
R$34,934.90
Locked-in rate
TapTap SendCheapest
5.0000
$2.99
R$35,000.00
+R$65.10
Revolut (P2P Transfer)
4.9907
$0.00
R$34,934.90
Same
Locked-in rate
Regency FX
4.9772
$0.00
R$34,840.58
−R$94.32
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
4.9876
–
R$34,913.18
Locked-in rate
TapTap SendCheapest
5.0000
$2.99
R$35,000.00
+R$86.82
Revolut (P2P Transfer)
4.9876
$0.00
R$34,913.18
Same
Locked-in rate
Regency FX
4.9741
$0.00
R$34,818.91
−R$94.27
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.0267
–
R$35,186.87
Revolut (P2P Transfer)Cheapest
5.0267
$0.00
R$35,186.87
Same
Locked-in rate
Regency FX
5.0131
$0.00
R$35,091.87
−R$95.00
Locked-in rate
TapTap Send
5.0000
$2.99
R$35,000.00
−R$186.87
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.0420
–
R$35,293.76
Revolut (P2P Transfer)Cheapest
5.0420
$0.00
R$35,293.76
Same
Locked-in rate
TapTap Send
5.0400
$2.99
R$35,280.00
−R$13.76
Locked-in rate
Regency FX
5.0284
$0.00
R$35,198.47
−R$95.29
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.1010
–
R$35,707.13
Revolut (P2P Transfer)Cheapest
5.1010
$0.00
R$35,707.13
Same
Locked-in rate
TapTap Send
5.1000
$2.99
R$35,700.00
−R$7.13
Locked-in rate
Regency FX
5.0872
$0.00
R$35,610.72
−R$96.41
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.0651
–
R$35,455.73
Locked-in rate
TapTap SendCheapest
5.0700
$2.99
R$35,490.00
+R$34.27
Revolut (P2P Transfer)
5.0651
$0.00
R$35,455.73
Same
Locked-in rate
Regency FX
5.0514
$0.00
R$35,360.00
−R$95.73
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.0651
–
R$35,455.73
Locked-in rate
TapTap SendCheapest
5.0700
$2.99
R$35,490.00
+R$34.27
Revolut (P2P Transfer)
5.0651
$0.00
R$35,455.73
Same
Locked-in rate
Regency FX
5.0514
$0.00
R$35,360.00
−R$95.73
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.0648
–
R$35,453.62
Locked-in rate
TapTap SendCheapest
5.0700
$2.99
R$35,490.00
+R$36.38
Revolut (P2P Transfer)
5.0648
$0.00
R$35,453.62
Same
Locked-in rate
Regency FX
5.0511
$0.00
R$35,357.90
−R$95.72
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.0402
–
R$35,281.40
Locked-in rate
TapTap SendCheapest
5.0500
$2.99
R$35,350.00
+R$68.60
Revolut (P2P Transfer)
5.0402
$0.00
R$35,281.40
Same
Locked-in rate
Regency FX
5.0266
$0.00
R$35,186.14
−R$95.26
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.0279
–
R$35,195.29
Revolut (P2P Transfer)Cheapest
5.0279
$0.00
R$35,195.29
Same
Locked-in rate
Regency FX
5.0143
$0.00
R$35,100.26
−R$95.03
TapTap SendNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.0260
–
R$35,182.27
Revolut (P2P Transfer)Cheapest
5.0260
$0.00
R$35,182.27
Same
Locked-in rate
Regency FX
5.0125
$0.00
R$35,087.28
−R$94.99
TapTap SendNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
–
–
–
Locked-in rate
TapTap SendCheapest
5.0400
$2.99
R$35,280.00
–
Revolut (P2P Transfer)No quote collected this day
–
–
–
–
Regency FXNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
4.9652
–
R$34,756.43
Locked-in rate
MoneyGramCheapest
5.0182
$1.99
R$35,127.40
+R$370.97
Locked-in rate
TapTap Send
4.9700
$2.99
R$34,790.00
+R$33.57
Revolut (P2P Transfer)
4.9652
$0.00
R$34,756.43
Same
Locked-in rate
Regency FX
4.9518
$0.00
R$34,662.59
−R$93.84
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
4.9652
–
R$34,756.43
Revolut (P2P Transfer)Cheapest
4.9652
$0.00
R$34,756.43
Same
Locked-in rate
Regency FX
4.9518
$0.00
R$34,662.59
−R$93.84
TapTap SendNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
4.9715
–
R$34,800.53
Locked-in rate
MoneyGramCheapest
5.0182
$1.99
R$35,127.40
+R$326.87
Revolut (P2P Transfer)
4.9715
$0.00
R$34,800.53
Same
Locked-in rate
TapTap Send
4.9700
$2.99
R$34,790.00
−R$10.53
Locked-in rate
Regency FX
4.9581
$0.00
R$34,706.57
−R$93.96
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.3726
–
R$37,608.16
Locked-in rate
MoneyGramCheapest
5.4444
$1.99
R$38,110.80
+R$502.64
Revolut (P2P Transfer)
5.3726
$0.00
R$37,608.16
Same
Locked-in rate
Regency FX
5.3581
$0.00
R$37,506.62
−R$101.54
Locked-in rate
TapTap Send
5.0100
$2.99
R$35,070.00
−R$2,538.16
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.3518
–
R$37,462.58
Locked-in rate
MoneyGramCheapest
5.3719
$1.99
R$37,603.30
+R$140.72
Revolut (P2P Transfer)
5.3518
$0.00
R$37,462.58
Same
Locked-in rate
Regency FX
5.3373
$0.00
R$37,361.43
−R$101.15
Locked-in rate
TapTap Send
5.3300
$2.99
R$37,310.00
−R$152.58
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.3466
–
R$37,426.21
Revolut (P2P Transfer)Cheapest
5.3466
$0.00
R$37,426.21
Same
Locked-in rate
TapTap Send
5.3400
$2.99
R$37,380.00
−R$46.21
Locked-in rate
Regency FX
5.3322
$0.00
R$37,325.16
−R$101.05
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.3854
–
R$37,697.81
Revolut (P2P Transfer)Cheapest
5.3854
$0.00
R$37,697.81
Same
Locked-in rate
Regency FX
5.3709
$0.00
R$37,596.02
−R$101.79
Locked-in rate
TapTap Send
5.3600
$2.99
R$37,520.00
−R$177.81
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.4401
–
R$38,080.73
Revolut (P2P Transfer)Cheapest
5.4401
$0.00
R$38,080.73
Same
Locked-in rate
Regency FX
5.4254
$0.00
R$37,977.91
−R$102.82
Locked-in rate
TapTap Send
5.4100
$2.99
R$37,870.00
−R$210.73
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.4401
–
R$38,080.73
Revolut (P2P Transfer)Cheapest
5.4401
$0.00
R$38,080.73
Same
Locked-in rate
Regency FX
5.4254
$0.00
R$37,977.91
−R$102.82
Locked-in rate
TapTap Send
5.4100
$2.99
R$37,870.00
−R$210.73
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.4409
–
R$38,086.32
Revolut (P2P Transfer)Cheapest
5.4409
$0.00
R$38,086.32
Same
Locked-in rate
Regency FX
5.4262
$0.00
R$37,983.49
−R$102.83
Locked-in rate
TapTap Send
5.4100
$2.99
R$37,870.00
−R$216.32
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.4520
–
R$38,164.11
Revolut (P2P Transfer)Cheapest
5.4520
$0.00
R$38,164.11
Same
Locked-in rate
Regency FX
5.4373
$0.00
R$38,061.07
−R$103.04
Locked-in rate
TapTap Send
5.4300
$2.99
R$38,010.00
−R$154.11
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
–
–
–
Locked-in rate
MoneyGramCheapest
5.4742
$1.99
R$38,319.40
–
Locked-in rate
TapTap Send
5.4200
$2.99
R$37,940.00
–
Revolut (P2P Transfer)No quote collected this day
–
–
–
–
Regency FXNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.4604
–
R$38,222.77
Revolut (P2P Transfer)Cheapest
5.4604
$0.00
R$38,222.76
Same
Locked-in rate
TapTap Send
5.4500
$2.99
R$38,150.00
−R$72.76
Locked-in rate
Regency FX
5.4457
$0.00
R$38,119.56
−R$103.21
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.5042
–
R$38,529.42
Revolut (P2P Transfer)Cheapest
5.5042
$0.00
R$38,529.42
Same
Locked-in rate
TapTap Send
5.5000
$2.99
R$38,500.00
−R$29.42
Locked-in rate
Regency FX
5.4893
$0.00
R$38,425.39
−R$104.03
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.5049
–
R$38,534.33
Revolut (P2P Transfer)Cheapest
5.5049
$0.00
R$38,534.33
Same
Locked-in rate
TapTap Send
5.5000
$2.99
R$38,500.00
−R$34.33
Locked-in rate
Regency FX
5.4900
$0.00
R$38,430.29
−R$104.04
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.5049
–
R$38,534.33
Revolut (P2P Transfer)Cheapest
5.5049
$0.00
R$38,534.33
Same
Locked-in rate
TapTap Send
5.5000
$2.99
R$38,500.00
−R$34.33
Locked-in rate
Regency FX
5.4900
$0.00
R$38,430.29
−R$104.04
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.5169
–
R$38,618.28
Revolut (P2P Transfer)Cheapest
5.5169
$0.00
R$38,618.28
Same
Locked-in rate
Regency FX
5.5020
$0.00
R$38,514.01
−R$104.27
Locked-in rate
TapTap Send
5.5000
$2.99
R$38,500.00
−R$118.28
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
5.5102
–
R$38,571.41
Revolut (P2P Transfer)Cheapest
5.5102
$0.00
R$38,571.41
Same
Locked-in rate
TapTap Send
5.5100
$2.99
R$38,570.00
−R$1.41
Locked-in rate
Regency FX
5.4953
$0.00
R$38,467.26
−R$104.15
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Exchange rate
Fee
Recipient gets
Difference
Mid-market rate
5.5102
–
R$38,571.41
Revolut (P2P Transfer)
TapTap Send
Regency FX
MoneyGram
Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 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.
Understanding USD/BRL exchange rate
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 BRL per USD 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 10 of the last 30 days.
Today's payout isn't the best this month though, since the highest receive amount was 38,618.28 BRL.
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.
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 Brazil.
We've tracked 238 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Transfer amount
Revolut (P2P Transfer)Appeared in 55 comparisons
Cheapest in 65% of them
Locked-in rate
TapTap SendAppeared in 54 comparisons
Cheapest in 6% of them
Locked-in rate
Regency FXAppeared in 34 comparisons
Never the cheapest
Nov 4Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 56 comparisons across 8 amounts over the last 7 days.
Revolut (P2P Transfer)Appeared in 231 comparisons
Cheapest in 40% of them
Locked-in rate
TapTap SendAppeared in 223 comparisons
Cheapest in 18% of them
Locked-in rate
Regency FXAppeared in 141 comparisons
Never the cheapest
Oct 12Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 238 comparisons across 8 amounts over the last 30 days.
Revolut (P2P Transfer)Appeared in 534 comparisons
Cheapest in 31% of them
Locked-in rate
TapTap SendAppeared in 527 comparisons
Cheapest in 36% of them
Locked-in rate
Regency FXAppeared in 266 comparisons
Never the cheapest
Aug 13Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 543 comparisons across 8 amounts over the last 90 days.
Is the cheapest money transfer company always the best?
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 analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Revolut (P2P Transfer) is the cheapest and gets you the most BRL, but it was the cheapest in only 40% of the 231 comparisons it appeared in over the past month.
TapTap Send (today's second cheapest) was the cheapest in only 18% of its comparisons, so it's rarely the cheapest option for transfers to Brazil.
If it's a one-off transfer, go with Revolut (P2P Transfer), since it's the cheapest right now.
Ways to send money from the US to Brazil
There are 10 companies available for sending money from the US to Brazil, across app, currency broker, online, multi-currency account, global business account, and in person, and more.
For regular transfers home
Money transfer apps
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
TapTap Send charges $2.99 on a $7,000 transfer with 0% markup, saves your recipient's details for next time, and BRL arrives in minutes.
Over the past month, TapTap Send was the cheapest app on 67% of the days it appeared for $7,000 transfers.
Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.
Sending without a US bank account
Cash & in-person transfers
Paying in cash at an agent can work without a US bank account.
The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.
Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 38,395 BRL in minutes - 24 hours.
Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.
However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
Online transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Brazil.
Of all online companies listed here, MoneyGram gets you the most BRL per USD.
On a $7,000 transfer, you will get 38,395 BRL after a $1.99 fee and 0.46% markup.
In our comparisons over the past month, it was the cheapest online service on 23 of the 25 days it quoted.
But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.
For transfers over $10,000
Currency brokers
For large transfers to Brazil (e.g. a property purchase, tuition, or moving to Brazil), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/BRL that gets lower the more you send.
Our analysis shows Regency FX was the cheapest broker in 94% of the transfers from $5,000 it quoted.
It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).
Business payments from the US
Global accounts
Global accounts are for US businesses paying people abroad.
Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.
Holding & spending currencies
Multi-currency accounts
A multi-currency account like Wise is the best for holding and receiving BRL.
This is useful for traveling to Brazil, building up BRL balance, or receiving payments in BRL.
Wise converts $7,000 at -0.13% markup plus small fee and holds the BRL until you spend it.
Over the past month, it came out cheapest among multi-currency accounts on 93% of days.
Ways to fund USD and receive BRL in Brazil
With Revolut (P2P Transfer), paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 38,571.41 BRL.
Deposit USD by bank transfer, debit card, credit card, and cash deposit.
The simplest way is to pay from your US checking account
Pay by bank transfer using your routing and account numbers.
An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Brazil.
You can deposit cash
You'll need to visit the nearest MoneyGram branch and hand over $7,000.
MoneyGram is the cheapest option and will get you 38,395 BRL on a $7,000 transfer after fees.
Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.
Zelle and Cash App only send money within the US, so neither can send money to Brazil.
Your recipient in Brazil can collect BRL through bank deposit, pix, and cash pickup.
They can collect cash in Brazil
Your recipient can collect BRL from a participating MoneyGram location in Brazil.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
1
Bank transfer→Bank deposit
You pay $7,000.00
R$38,571
Cheapest
2
Debit card→Pix
You pay $7,002.99
R$38,570
-R$1
3
Bank transfer→Pix
You pay $7,001.99
R$38,395
-R$176
4
Debit card→Bank deposit
You pay $7,002.49
R$38,233
-R$338
5
Credit card→Bank deposit
You pay $7,177.99
R$38,233
-R$338
Show moreShow less
6
Credit card→Pix
You pay $7,177.99
R$38,233
-R$338
7
Bank transfer→Cash pickup
You pay $7,005.99
R$37,491
-R$1,081
8
Debit card→Cash pickup
You pay $7,075.99
R$37,104
-R$1,467
9
Credit card→Cash pickup
You pay $7,179.99
R$37,104
-R$1,467
10
Cash deposit→Cash pickup
You pay $7,060.79
R$37,097
-R$1,475
Things to consider before sending USD to Brazil
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
1
Find the right USD/BRL company
Cheapest way to send money to Brazil
The cheapest option is Revolut (P2P Transfer), funded by bank transfer with bank deposit for the payout. Your recipient gets 38,571.41 BRL, which is 0% more than the next best option.
Fastest way to send money to Brazil
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 37,967.95 BRL, with the money arriving in within minutes.
2
Cash-funded transfers now carry a 1% tax
Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.
Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.
The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.
3
The $10,000 rule is not a transfer limit
There is no federal cap on how much of your own money you can send electronically abroad.
Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.
Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.
Do not split cash transactions to avoid a report.
4
You normally have 30 minutes to cancel
The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.
You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.
You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.
For transfers over $10,000, Regency FX is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Brazil.
While Regency FX may not always be the cheapest or fastest way to send BRL, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
How we analyze the market
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Brazil and the United States.
We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 238 comparisons across 8 amounts.
This page covers the cheapest and fastest options for USD/BRL 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.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
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