Send money from Germany to Brazil
Brazilians in Germany are mostly here on an engineering secondment, a research post or a partner visa, and the money going home is usually a household that still exists in Brazil. Grey pays Brazilian reais into any major Brazilian bank or straight to a Pix key.
EUR
BRL
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Reais by Pix or by account number
The automotive and industrial firms around Stuttgart and München rotate Brazilian engineers through Germany on multi-year postings, and the universities in Leipzig and Berlin bring in researchers on the same basis. Almost none of them complete the move: there is still a flat, a car loan or a parent in São Paulo, Curitiba or Belo Horizonte.
Grey converts your euro balance to BRL and pays into Banco do Brasil, Bradesco, Itaú Unibanco, Caixa Econômica Federal and Santander Brasil, or to a Pix key, which can be a CPF, a phone number or an email address. Pix payouts arrive almost instantly once the balance is funded, and Pix runs 24 hours a day.
Getting a payment from Germany to Brazil
Sign up
Free, about five minutes, and a valid identity document. The app is English throughout, which is the point for most people on this route.
Fund
SEPA euros in from N26, Deutsche Bank, Sparkasse, Commerzbank, ING or DKB. The balance holds until you want reais.
Send
A Pix key is the quickest path. For a bank payout, use the account number with the agência. The real figure shows before you confirm.
What it costs to reach a Brazilian account
Grey gives you both as separate figures on the confirmation screen, so the comparison against any other provider is arithmetic rather than instinct.
Secondment money behaves differently from remittance money. It tends to be larger, less regular, and tied to a specific obligation like a mortgage instalment or a school term, which is exactly where a hidden rate margin does the most damage.
The real amount is fixed when you confirm
Grey locks the EUR to BRL rate at confirmation. Nothing that happens to the euro or the real afterwards changes what lands in Brazil.
If you are running two households on one German salary, that certainty is what makes the budget work. You know the Brazilian side of the month before you have spent anything on the German side.
Why the bank route disappoints here
A German bank sending to Brazil moves the payment as an international wire, which means correspondent charges, a rate applied without being quoted, and a receiving process at the Brazilian end that can take days. Paying a Pix key instead turns the same money into a domestic Brazilian credit that clears in seconds.
What lands in Brazil
Reais in the recipient's own bank app, indistinguishable from a payment sent by someone down the road in Curitiba. No Grey account is needed on that side.
Pix
A CPF, a registered phone number or an email address is enough. Pix operates around the clock, including weekends.
Bank accounts
Banco do Brasil, Bradesco, Itaú Unibanco, Caixa Econômica Federal and Santander Brasil, using the account number and agência.
Between Grey accounts
GreyTag transfers to another Grey user are free and land within seconds in any currency.
Putting euros on the account in Germany
The Brazilian leg is quick. The German leg is a plain euro transfer, and these are the three ways it happens.
SEPA credit
From any German current account, typically on the balance within minutes.
Dollar or sterling balances
USD provided by Lead Bank, or GBP, converts to BRL without a euro step.
Funded by another user
A partner or colleague on Grey can top you up instantly through GreyTag.
Where a Brazilian bill sets the amount, enter the reais first and let the euro cost fall out of it.
What the Germany to Brazil route carries
Secondment households
An engineer posted from a Brazilian plant to Stuttgart or München, still covering a mortgage, a car and school fees in Brazil.
Family support
Monthly reais to parents in São Paulo, Porto Alegre or Recife, and medical costs that appear without warning.
Suppliers and contractors
German firms paying Brazilian machining shops, software teams and design studios that invoice in reais.
Students and researchers
Living costs sent to or from Brazil while a doctoral post in Leipzig or Berlin runs its course.
Three threads dominate: engineering postings, trade between German industry and Brazilian suppliers, and families split across the two countries.
Why Grey on the Brazil route from Germany
FAQs
Can I pay a Pix key from Germany?
Yes. Enter a CPF, registered phone number or email address as the Pix key and the reais arrive almost instantly.
Which Brazilian banks are supported?
Grey pays into Banco do Brasil, Bradesco, Itaú Unibanco, Caixa Econômica Federal and Santander Brasil when you supply the account and agência.
Does Pix work at weekends?
Yes. Pix is Brazil's instant payment system and runs 24 hours a day, including weekends and public holidays.
Is the app available in English in Germany?
Yes. Sign-up, verification and support are all in English, which suits engineers and researchers posted here.
How do I fund a transfer to Brazil?
Send euros by SEPA from N26, Deutsche Bank, Sparkasse, Commerzbank, ING, DKB or any German IBAN to your Grey balance.
Can the real amount change after confirmation?
No. The EUR to BRL rate is fixed at confirmation, so a mortgage instalment in Brazil arrives at the agreed figure.
Can I pay a Brazilian supplier in reais?
Yes. German firms use the same route to settle invoices with Brazilian machining shops, software teams and design studios.
Does my family in Brazil need a Grey account?
No. The reais arrive as a normal domestic credit in their existing bank or Pix-linked account.
Is there a second conversion through dollars?
No. Grey converts euros to reais in one step, so no hidden intermediate currency leg applies.
What if I hold dollars rather than euros?
USD provided by Lead Bank, or a GBP balance, converts to Brazilian reais directly without a euro stage.
What else comes with the account?
Coverage of more than 80 countries, multi-currency balances and a virtual Mastercard for online payments.
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