Cheapest way to send money to Brazil · quotes checked 2026-10-30
Paying by bank transfer from the US. The cheapest provider changes with the amount, so both $200 and $1,000 are shown. Ranked by what the recipient gets, which is what matters: the fee and the exchange-rate markup together.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Remitly | 1,080.83 BRL | 5.4042 BRL/USD |
| Instarem | 1,078.44 BRL (−0.22%) | 5.3922 BRL/USD |
| Western Union | 1,048.35 BRL (−3.01%) | 5.2944 BRL/USD |
| Wise | 1,039.4 BRL (−3.83%) | 5.4308 BRL/USD |
| Xoom | 1,029.06 BRL (−4.79%) | 5.277 BRL/USD |
| OFX | 1,004.57 BRL (−7.06%) | 5.1517 BRL/USD |
| PayPal | 997.13 BRL (−7.74%) | 5.1132 BRL/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Remitly | 5,411.24 BRL | 5.4112 BRL/USD |
| Instarem | 5,392.18 BRL (−0.35%) | 5.3922 BRL/USD |
| Wise | 5,344.32 BRL (−1.24%) | 5.4294 BRL/USD |
| Western Union | 5,283.88 BRL (−2.35%) | 5.2944 BRL/USD |
| Xoom | 5,275.01 BRL (−2.52%) | 5.3015 BRL/USD |
| OFX | 5,125.91 BRL (−5.27%) | 5.1517 BRL/USD |
| PayPal | 5,087.72 BRL (−5.98%) | 5.1132 BRL/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
Because most of the cost hides in the exchange rate. A provider with a $0 fee and a 3% worse rate costs more than one with a $5 fee at the mid-market rate. "Recipient gets" captures both.
Fixed fees matter on $200 and vanish on $1,000, while rate markups scale with the amount. That is why Remitly wins at $200 and Remitly at $1,000 here.
No. They are quotes read on 2026-10-30 from the source linked above. Rates move daily; use them to pick a provider, then check the live quote before sending.
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Fees at an amount: PayPal $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Stripe $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Square $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Venmo $50 $100 $200 $250 $500 $1,000 $2,000 $5,000