Foreign exchange and international transfers

What it is

The rate on the screen is not the real cost: what weighs is the spread and the fee. Comparing between partners is usually worth more than waiting for the dollar to fall a cent.

It works for a one-off transfer and for income received regularly in foreign currency.

When it makes sense

• You have a child studying abroad
• You are going to buy property or support family abroad
• You receive income in dollars or euros

How it works

• TransactionAmount, currency and frequency.
• ComparisonSpread and fee across partners.
• RegistrationOnboarding with the FX desk.
• ExecutionDeal closed at the agreed rate.

What you will need

• Photo ID, CPF (Brazilian individual tax ID) and proof of address
• Evidence of the purpose of the transfer
• Details of the beneficiary abroad

The list can change with the institution and the size of the deal. I confirm what is actually required before you gather a single document.