Send money to Brazil from the United States
Grey sends money from the US to Brazil directly to any major bank account or via Pix. The live USD to BRL rate and total fee are shown before you confirm. Banco do Brasil, Bradesco, Itaú Unibanco, Caixa Econômica Federal, and Santander Brasil are all supported. Withdrawal fee is $1.00 flat for both bank and Pix. Grey is a licensed financial services provider, regulated by FinCEN.
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Send money to Brazil, straight to any bank account or Pix key
When you send money to Brazil through Grey, the transfer lands directly in your recipient's bank account or Pix-linked account. Banco do Brasil, Bradesco, Itaú Unibanco, Caixa Econômica Federal, and Santander Brasil are all supported. Or send via Pix using your recipient's CPF, phone number, or email as the key.
Your recipient does not need a Grey account. Pix transfers arrive almost instantly once your Grey balance is funded. Bank account transfers are equally fast. The reais appear in their banking app the same way any domestic Brazilian transfer would.
The total cost of a transfer is the fee and the exchange rate together. Some services advertise zero fees but mark up the rate. On a $1,000 transfer, a 2% rate markup costs more than a $20 fee. Grey shows both numbers on the same screen before you tap Send.
How to send money to Brazil from the United States
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid US government-issued ID. Grey Inc is regulated by FinCEN.
Fund
Add money from your US bank account via ACH transfer or wire, or send directly from your existing Grey balance.
Send
Enter your recipient's Brazilian bank account details or their Pix key (CPF, phone, or email). Confirm the live USD to BRL rate and fee. Send. Pix transfers typically arrive within seconds.
How much does it cost to send money to Brazil
Every transfer from the US to Brazil involves two costs: the visible fee and the exchange rate margin. Most services hide their margin in the rate, so a transfer advertised as zero fees can quietly cost more than one with a transparent fee.
The exchange rate is usually the bigger factor on larger transfers. On a USD 500 transfer, a 1% rate difference changes the real amount your recipient receives by roughly 28 BRL. A provider advertising no fee but applying a 2% rate markup costs more than one charging USD 5 with a rate close to the mid-market.
Grey shows the fee and the exchange rate separately before you tap Send. The reais amount your recipient will receive is on screen before you confirm. The rate shown is the rate applied. There are no adjustments after the fact.
How exchange rates work: USD to BRL
The USD to BRL exchange rate is the biggest variable in how many reais your recipient receives. On a USD 500 transfer, a 1% difference in the rate changes the real amount by roughly 25 BRL. On monthly remittances, that gap adds up.
Grey shows you the live USD to BRL rate before you confirm. The rate displayed is the rate applied. No adjustment after the fact.
Some providers advertise zero fees but embed a rate markup of 1-3%. On a USD 500 transfer, a 2% markup costs USD 10 in lost value regardless of what the fee line reads. Grey separates both figures so you can calculate the real total before sending.
How fast is each provider?
Grey delivers to Brazilian bank accounts and Pix in minutes from a funded balance. Wise typically takes 1-2 business days. Western Union offers cash pickup but at a higher total cost. Bank wires are the slowest and most expensive option for most transfer amounts to Brazil.
What your recipient sees in Brazil
Your recipient does not need a Grey account. The transfer arrives as a standard BRL credit in their Brazilian bank account or Pix-linked account. It appears the same way any domestic transfer would.
Bank account delivery
Grey sends to major Brazilian banks including Banco do Brasil, Bradesco, Itaú Unibanco, Caixa Econômica Federal, and Santander Brasil. Enter the account number and branch code (agência) in the Grey app. Withdrawal fee: $1.00 flat.
Pix delivery
Send via Pix using your recipient's CPF number, registered phone number, or email as the Pix key. Transfers arrive almost instantly once your Grey balance is funded. Pix is Brazil's instant payment system, available 24 hours a day. Withdrawal fee: $1.00 flat.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag instead. GreyTag transfers are free and arrive within seconds, in any currency.
Ways to fund your transfer
Whether you are transferring money to Brazil for the first time or the fiftieth, Grey gives you three funding options
ACH transfer
Link your US bank account and fund via ACH. It is typically the lowest-cost deposit method. ACH transfers take 1-2 business days to reach your Grey balance. Fee: 0.8% of the deposit amount, minimum $2.
Wire transfer
Fund via domestic wire from your US bank. Grey receives wire funds the same day. Your bank may charge its own wire fee separately.
Grey balance
If you already hold USD in your Grey balance, you can send without waiting for a deposit to clear. Fund your balance in advance and transfers go out immediately.
Which option is cheapest? Grey displays the fee for each funding method before you confirm, so you can compare and choose. There is no penalty for switching between them.
Send money to Brazil for every reason that matters
Family support
A Brazilian professional in Miami sending his parents' monthly expenses in São Paulo. A caregiver in New York covering household bills for family in Belo Horizonte. A couple in Boston supporting a sick relative in Recife. On a recurring USD 400 transfer, a 1% rate difference costs nearly USD 50 a year.
Housing and property
Paying a mortgage on an apartment in Rio de Janeiro from a job in Boston. Contributing to a property purchase in Florianópolis. Settling maintenance costs on a family home in Curitiba while working abroad. On large transfers, the rate gap between providers matters far more than the flat fee.
Education
A parent in San Francisco covering university fees in Brasília. A family in New Jersey sending monthly allowance to a student in Porto Alegre. Regular transfers where Pix delivery means the money is available the same day.
Business and freelancers
A US company paying a development team in São Paulo every fortnight. A client in New York settling invoices with a Brazilian contractor in reais. Grey supports transfers to Brazilian bank accounts and Pix without requiring a separate business account.
Your reasons may be different, but the need is the same: the money has to get there, the cost has to be clear, and the app has to work the same way it did last month. Do it all on Grey, with the rate and fee shown before every transfer.
Best way to send money to Brazil from the United States
A global money app you can actually trust
Over 3 million people across 80+ countries use Grey to move money across borders. Your transfers are protected with bank-grade encryption, and every payout is tracked end-to-end. You'll know exactly when the money lands, and so will the person receiving it. If you have any questions, our support team is one tap away.
FAQs
How long does it take to send money to Brazil from the US?
Transfers from a funded Grey balance typically arrive within minutes. If funding via ACH, allow 1-2 business days for the deposit to reach your Grey account first.
What is the fee for sending money to Brazil from the US?
Grey charges a 1% conversion fee on USD to BRL transfers, uncapped. The bank withdrawal fee is $1.00. Pix delivery is also supported at $1.00. The ACH deposit fee is 0.8% of the deposit amount, minimum $2. All fees are shown before you confirm.
Which Brazil banks or wallets does Grey support?
Grey supports transfers to Banco do Brasil, Bradesco, Itau Unibanco, Caixa Economica Federal, and Santander Brasil. Enter the account or wallet details in the Grey app.
What is the USD to BRL exchange rate today?
The live USD to BRL rate is shown inside the Grey app before you confirm. The rate at the time of confirmation is the rate applied. Grey does not adjust the rate after you send.
Does my recipient need a Grey account to receive money in Brazil?
No. Your recipient does not need a Grey account. The funds arrive as a standard credit, the same way any domestic Brazil transfer would appear.
Is Grey safe for sending money to Brazil?
Grey Inc is registered with FinCEN, the US financial intelligence and regulatory agency. Grey is a licensed financial services provider, not a bank, regulated under US financial regulations.
How much can I send to Brazil from the US?
The daily limit is $10,000 and the monthly limit is $30,000. Per-transaction limits vary. All limits are shown in the Grey app before you send.
Is it cheaper to send money to Brazil with Grey or a bank wire?
Significantly cheaper in most cases. US bank wires typically cost $25-45 in visible fees plus an unfavourable exchange rate. Grey charges a 1% conversion fee, uncapped and a flat withdrawal fee, both shown before you confirm.
Can I send money to Brazil from a Grey balance?
Yes. If you hold USD in your Grey balance, you can send without waiting for a bank deposit to clear. Transfers from a funded Grey balance typically begin within seconds.
What currencies does Grey support for Brazil transfers?
Grey supports USD to BRL transfers for Brazil. The conversion happens automatically at the live rate shown in the app before you confirm.
What happens if my transfer to Brazil is delayed?
Most transfers from a funded Grey balance arrive within minutes. If your transfer is taking longer, check the transaction status in the Grey app. Contact Grey support if the delay exceeds 24 hours.
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