Best companies for USD/BRL transfers
10 of 10 providers Last updated on 28 October 2026
Based on 7,000 USD transfer Best companies for USD/BRL transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $262.26 1 USD = 5.3469 BRL +0.09% vs mid-market	Recipient gets R$36,026.02 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Brazil with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $262.261 USD = 5.3469 BRL R$36,026.02You pay$7,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 USD = 5.2735 BRL +1.47% vs mid-market	Recipient gets R$36,914.50 Minutes - 24 hours
4 reviews 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 = 5.2735 BRL R$36,914.50You 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.
$0 fee on first online transfers MoneyGram Pay via Bank transfer	Fee $1.99 1 USD = 5.3719 BRL -0.37% vs mid-market	Recipient gets R$37,603.30 Minutes - 24 hours
2 reviews Cheapest
Ways to receive money in Brazil with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets PixMinutes - 24 hoursAvailable via:PIX $1.991 USD = 5.3719 BRL R$37,603.30You pay$7,001.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 5.3719 BRL R$37,603.30You pay$7,001.99 Cash pickupMinutes - 24 hours $5.991 USD = 5.1875 BRL R$36,312.50You pay$7,005.99

$0 fee on first online transfers MoneyGram Pay via Debit card	Fee $2.49 1 USD = 5.3719 BRL -0.37% vs mid-market	Recipient gets R$37,603.30 Minutes - 24 hours
2 reviews
Ways to receive money in Brazil with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $2.491 USD = 5.3719 BRL R$37,603.30You pay$7,002.49 PixMinutes - 24 hoursAvailable via:PIX $2.491 USD = 5.3719 BRL R$37,603.30You pay$7,002.49 Cash pickupMinutes - 24 hours $75.991 USD = 5.1341 BRL R$35,938.70You pay$7,075.99
$0 fee on first online transfers MoneyGram Pay via Credit card	Fee $177.99 1 USD = 5.3719 BRL -0.37% vs mid-market	Recipient gets R$37,603.30 Minutes - 24 hours
2 reviews
Ways to receive money in Brazil with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 5.3719 BRL R$37,603.30You pay$7,177.99 PixMinutes - 24 hoursAvailable via:PIX $177.991 USD = 5.3719 BRL R$37,603.30You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 5.1341 BRL R$35,938.70You pay$7,179.99
Fast and no fee transfers between Revolut accounts Revolut (P2P Transfer) Pay via Bank transfer	Fee $0.00 1 USD = 5.3518 BRL 0.00% vs mid-market	Recipient gets R$37,462.58 Minutes
0 reviews 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 = 5.3518 BRL R$37,462.58You 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.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 USD = 5.3373 BRL +0.27% vs mid-market	Recipient gets R$37,361.43 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Brazil with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 5.3373 BRL R$37,361.43You pay$7,000.00
TapTap Send Pay via Debit card	Fee $2.99 1 USD = 5.3300 BRL +0.41% vs mid-market	Recipient gets R$37,310.00 Minutes
0 reviews Receive to bank account
Ways to receive money in Brazil with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets PixMinutesAvailable via:Pix, Pix Code Payment Brazil, Pix Key Brazil $2.991 USD = 5.3300 BRL R$37,310.00You pay$7,002.99
OFX Pay via Bank transfer	Fee $0.00 1 USD = 5.3250 BRL +0.50% vs mid-market	Recipient gets R$37,275.27 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in Brazil with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 5.3250 BRL R$37,275.27You pay$7,000.00
Xe Pay via Bank transfer	Fee $0.00 1 USD = 5.2735 BRL +1.47% vs mid-market	Recipient gets R$36,914.50 Minutes - 24 hours
4 reviews 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 = 5.2735 BRL R$36,914.50You pay$7,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $40.50 1 USD = 5.2989 BRL +0.99% vs mid-market	Recipient gets R$36,877.75 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Brazil with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.501 USD = 5.2989 BRL R$36,877.75You 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.
Xe Pay via Debit card	Fee $35.00 1 USD = 5.2735 BRL +1.47% vs mid-market	Recipient gets R$36,729.93 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Brazil with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 5.2735 BRL R$36,729.93You pay$7,000.00
Wise Pay via Bank transfer	Fee $262.26 1 USD = 5.3469 BRL +0.09% vs mid-market	Recipient gets R$36,026.02 Within minutes
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Brazil with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $262.261 USD = 5.3469 BRL R$36,026.02You pay$7,000.00
Only available via Mobile App Sendwave Pay via Debit card	Fee $0.00 1 USD = 5.1331 BRL +4.17% vs mid-market	Recipient gets R$35,931.84 Minutes - 3 days
6 reviews Receive to bank account or cash pickup
Ways to receive money in Brazil with Sendwave when paying by debit card. MethodFee & ratesRecipient gets PixMinutes - 3 days Free1 USD = 5.1331 BRL R$35,931.84You pay$7,000.00
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fee $60.79 1 USD = 5.1314 BRL +4.20% vs mid-market	Recipient gets R$35,919.80 Minutes - 24 hours
2 reviews
Ways to receive money in Brazil with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 5.1314 BRL R$35,919.80You pay$7,060.79
Xe Pay via Credit card	Fee $210.00 1 USD = 5.2735 BRL +1.47% vs mid-market	Recipient gets R$35,807.07 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Brazil with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 5.2735 BRL R$35,807.07You pay$7,000.00
Only available via Mobile App WorldRemit Pay via Debit card	Fee $1.99 1 USD = 5.0689 BRL +5.43% vs mid-market	Recipient gets R$35,472.14 Minutes - 2 days
13 reviews Receive to bank account or cash pickup
Ways to receive money in Brazil with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days $1.991 USD = 5.0689 BRL R$35,472.14You pay$7,000.00
How Our Results Work Mid-market rate: 1 USD = 5.3518 BRL Updates every 60 minutes.

Why compare

USD/BRL exchange rate

Best ways to pay & receive

Transfer speed

How to send money from US to Brazil

Pick a company

If you're sending a one-off transfer, then MoneyGram is the best option.

MoneyGram was the cheapest on 9 of the 26 days it quoted $7,000 transfers to Brazil.

For recurring transfers, I'd suggest using an app or a multi-currency account with MoneyGram.

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 day or two).

You can use a debit card, Apple Pay and Google Pay for quicker deposit but its 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 MoneyGram was the cheapest in 32% of the transfers from $5,000 it quoted, and in 30% of all the transfers it quoted.


$500	-2.55%	$0.00	R$2,744.90with debit card to bank deposit	+R$125.79
$2,000	-0.88%	$0.00	R$10,797.80with remitly wallet to bank deposit	+R$314.68
$5,000	-0.37%	$1.99	R$26,859.50with bank transfer to pix	+R$488.90
$7,000This page	-0.37%	$1.99	R$37,603.30with bank transfer to pix	+R$810.08
$10,000	-0.36%	$1.99	R$53,719.00with bank transfer to pix	+R$1,164.16
$50,000	-0.37%	$1.99	R$268,595.00with bank transfer to pix	+R$5,241.29
$100,000	-0.37%	$1.99	R$537,190.00with bank transfer to pix	+R$10,390.41
$250,000	-0.39%	$1.99	R$1,342,975.00with bank transfer to pix	+R$26,170.09

Mid-market rate: 1 USD = 5.3518 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 MoneyGram), across 30 days of comparisons for 7,000 USD transfers to Brazil.

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 20 of the last 30 days.

Right now, MoneyGram pays 37,603.3 BRL on 7,000 USD, which is 140.72 BRL 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 38,110.8 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.

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

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 MoneyGram is the cheapest and gets you the most BRL, but it was the cheapest in only 30% of the 194 comparisons it appeared in over the past month.

Revolut (P2P Transfer) (today's second cheapest) was the cheapest in only 19% of its comparisons, so it's rarely the cheapest option for transfers to Brazil.

If it's a one-off transfer, go with MoneyGram, 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, online, broker, multi-currency account, global 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.

MoneyGram charges $1.99 on a $7,000 transfer with -0.37% markup, saves your recipient's details for next time, and BRL arrives in minutes - 24 hours.

Over the past month, MoneyGram was the cheapest app on 35% 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 37,603.3 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 37,603.3 BRL after a $1.99 fee and -0.37% markup.

In our comparisons over the past month, it was the cheapest online service on 23 of the 26 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 92% 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.

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 Revolut is the best for holding and receiving BRL.

This is useful for traveling to Brazil, building up BRL balance, or receiving payments in BRL.

Revolut converts $7,000 at 0.99% 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 14% of days.

Ways to fund USD and receive BRL in Brazil

With MoneyGram, paying by bank transfer and receiving through pix is the cheapest combination. Sending $7,000 gives your recipient 37,603.3 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 37,603.3 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, Venmo and Cash App only support domestic transfers, so they cannot 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 Pix

You pay $7,001.99

R$37,603

Cheapest
2

Bank transfer Bank deposit

You pay $7,001.99

R$37,603

R$0
3

Debit card Bank deposit

You pay $7,002.49

R$37,603

R$0
4

Debit card Pix

You pay $7,002.49

R$37,603

R$0
5

Credit card Bank deposit

You pay $7,177.99

R$37,603

R$0

Show moreShow less

6

Credit card Pix

You pay $7,177.99

R$37,603

R$0
7

Bank transfer Cash pickup

You pay $7,005.99

R$36,313

-R$1,291
8

Debit card Cash pickup

You pay $7,075.99

R$35,939

-R$1,665
9

Credit card Cash pickup

You pay $7,179.99

R$35,939

-R$1,665
10

Cash deposit Cash pickup

You pay $7,060.79

R$35,920

-R$1,684

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.

Find the right USD/BRL company

Cheapest way to send money to Brazil

The cheapest option is MoneyGram, funded by bank transfer with pix for the payout. Your recipient gets 37,603.3 BRL, which is 0.37% 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 36,877.75 BRL, with the money arriving in within minutes.

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.

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.

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.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Brazil?

For transfers over $10,000, MoneyGram is the best option.

It offers the best exchange rate, which is more important than the fee for large transfers to Brazil.

While MoneyGram 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.

Read Review

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 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 205 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:

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

Related transfer routes

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Send money to Brazil

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Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	5.2235	–	R$36,564.51
Revolut (P2P Transfer) Cheapest	5.2235	$0.00	R$36,564.51	Same
Regency FX	5.2094	$0.00	R$36,465.79	−R$98.72
MoneyGram	5.1973	$1.99	R$36,381.10	−R$183.41

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	5.2020	–	R$36,413.97
MoneyGram Cheapest	5.2100	$1.99	R$36,470.00	+R$56.03
Revolut (P2P Transfer)	5.2020	$0.00	R$36,413.97	Same
Regency FX	5.1879	$0.00	R$36,315.65	−R$98.32

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	5.1790	–	R$36,252.98
MoneyGram Cheapest	5.1911	$1.99	R$36,337.70	+R$84.72
Revolut (P2P Transfer)	5.1790	$0.00	R$36,252.98	Same
Regency FX	5.1650	$0.00	R$36,155.10	−R$97.88

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	5.2273	–	R$36,591.09
Revolut (P2P Transfer) Cheapest	5.2273	$0.00	R$36,591.09	Same
Regency FX	5.2132	$0.00	R$36,492.29	−R$98.80
MoneyGram	5.1699	$1.99	R$36,189.30	−R$401.79

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	5.2108	–	R$36,475.63
MoneyGram Cheapest	5.2280	$1.99	R$36,596.00	+R$120.37
Revolut (P2P Transfer)	5.2108	$0.00	R$36,475.63	Same
Regency FX	5.1967	$0.00	R$36,377.14	−R$98.49

Compare the best ways to send money from United States to Brazil

Best companies for USD/BRL transfers