How can we help?

Yes. Taxes and fees apply when applicable, under current law, depending on the type of transfer.

They're applied automatically to transactions via Pix, boleto or bank transfer and are already itemized in your transaction total before you confirm. No surprises.

For other transaction types via CambioTransfer Prime, contact our support team.

It's not yet possible to hold a balance on the platform, but this feature will be available soon.

Keep an eye on our official channels and social media. We'll announce it as soon as it's live.

If you'd like more details, our support team is ready to help.

With CambioReal, sending money is simple and can be done 100% online:

• Go to transfer.cambioreal.com
• Choose the origin and destination countries, enter the amount and click “Send now”
• Fill in your details and the recipient's bank details in Brazil
• Connect to your bank to authorize the payment

That's it! The amount will be debited from your US account and delivered directly to the bank account in Brazil, safely and quickly. If you want to send more than $3,000, get in touch with us.

Yes! Businesses can also use CambioReal to send money.

To open a business account, contact our team by phone, chat or WhatsApp. We ask for some company documents to enable transfers as a legal entity.

Also take advantage of our exclusive business solutions, like CambioPay (payments to teams and suppliers) and CambioCheckout (collections from Latin America, with the full amount in dollars or euros).

CambioReal simplifies your transactions between Brazil and the US with efficiency, savings and expert support. Here's why so many people trust us:

• Real convenience: Send money in a few clicks, right from your phone or computer. No lines, no hassle.
• Fees that fit your budget: We offer competitive exchange rates and low fees. Go ahead and compare.
• Fast transactions: In most cases, the money reaches Brazil the same day or, depending on the time, the next business day.
• Support that understands you: Our team speaks Portuguese, English and Spanish and is ready to help via chat, phone, WhatsApp or email.
• Security from people who know the business: We've been in the market since 2004, registered with FinCEN and operating with transparency.

With CambioReal, sending money is simple, secure and more affordable.

The minimum transfer amount is $10.

Account debit: Limits depend on your account status. See the details below:

For transfers above the amounts in the table, contact our support team by phone or chat during business hours.

* Limits can be customized for certified accounts after a compliance review, if you also provide a document proving the legitimate source of your funds, in accordance with FinCEN and BACEN standards.

**Bank account authentication is done right on the website, through our account ownership verification system. You'll need to use your online banking login credentials.

Wire Transfer: Your limit will be set after we review your proof of income. In general, there is no maximum limit, as long as the amount you're sending is justified by the documentation you provide.

It depends on how much you want to send:

• Up to $1,500: No documents required.
• From $1,501 to $3,000: We ask for an ID document (passport or US driver's license) and a recent proof of address in your name (issued within the last 3 months).
• Above $3,000: In addition to the documents above, you'll need to provide proof of the source of funds.

You can submit everything easily, right on the platform.

We don't charge monthly or annual fees. You only pay when you use it.

Each transfer from the US to Brazil has a flat fee of just $3.99, regardless of the amount.

No surprises, no hidden fees, just low and transparent costs.

Your transfer arrives fast: the same day or, depending on the time, the next business day.

CambioReal is a fintech specializing in payments and transfers between Brazil and the US. We've been operating since 2004, with a full focus on security, speed and savings.

Your security comes first. We're a Money Services Business registered with FinCEN (no. 31000275649876), with US state licenses, and we follow rigorous compliance processes (KYC and AML) on every transaction, with cutting-edge technology and secure servers.

In other words: with CambioReal, you send money with the confidence of working with specialists and the peace of mind of being in good hands.

CambioReal offers two convenient ways to pay, without leaving home:

• Account debit: The most popular method for those who want speed. The amount is debited directly from your US bank account and reaches Brazil the same day or, depending on the time, the next business day.
• Wire Transfer: Ideal for amounts above $3,000. As soon as you choose this option, we'll email you all the instructions. Note: some banks may charge a fee to send a wire. Fill in all the details correctly to make sure the money arrives without any issues.

Simple, secure and efficient, your way.

Creating your CambioReal account is quick and simple, like everything we do here.

Online:

• Go to the website and click Create account.
• Use your email and password, or sign in with Apple, Google or Facebook.
• Fill in your details and you're done: account created in just a few clicks.

Want higher limits? Just upload your documents directly on the platform, all online and hassle-free.

Prefer to do it by phone?

We can help you sign up too!

Call +1-877-ENVIOBR (368-4627) or +1-302-250-4098, Monday to Friday, 8 a.m. to 5 p.m. (New York time).

CambioTransfer Prime is CambioReal's solution for anyone who needs to send large amounts abroad, whether as an individual or a business.

You get consultative, personalized service, with direct support via WhatsApp to find the best strategy for your transfer.

More speed, more security and a team dedicated to your case.

The rate shown on Google is the raw commercial dollar rate, used in large transactions between banks. It doesn't reflect the real rate for personal transfers.

At CambioReal, we apply a small FX spread, like any company in the industry. The difference is that we show you the final amount with this adjustment already included, clearly and transparently, so you know exactly what you're paying, with no surprises.

Your data is protected by US and Brazilian privacy laws. CambioReal only shares your personal data with third parties when necessary for the purposes set out in the Privacy policy, for example with financial institutions and payment providers, to complete your transaction.

To register a beneficiary and send money to Brazil, you'll need the following information:

• Personal details: Full name, CPF (Brazil's individual tax ID) and date of birth
• Contact details: Full address (including CEP, the Brazilian postal code) and phone number
• Bank details: Pix key or account details (bank, branch and account number)

Yes! We serve all US states.

In some states, you may need to complete a two-step account verification, a simple process designed to keep you safe and meet local requirements.

Go to business.cambioreal.com and select the “I want to start now” option.

If you already have a CambioReal account, go to business.cambioreal.com, select the “I'm already registered” option, log in and follow the steps to create your business account.

It's not yet possible to hold a balance on the platform, but this feature will be available soon.

Keep an eye on our official channels and social media. We'll announce it as soon as it's live.

If you'd like more details, our support team is ready to help.

If payment isn't made within the deadline, the transaction is automatically canceled, with no penalty or charge.

• Pix: valid for up to 15 minutes
• TED or boleto: valid for 1 business day

To go ahead with the transfer, just create a new transaction and complete the payment within the deadline. It's that simple.

CambioReal is a company specializing in international remittances. This means more accurate classification of your transfer, faster payment logistics and lower costs. We have a network of local partners in several countries, so payments are made in a way that is 100% legal, less bureaucratic, faster and more affordable. In other words, with CambioReal you'll send money legally, much faster and for less than if you chose to use a bank.

With CambioReal, sending money to the US is fast, secure and 100% online:

• Go to transfer.cambioreal.com
• Choose the origin country (Brazil) and destination (US), enter the base amount and click “Send now”
• Fill in your details and the recipient's details
• Choose the payment method: Pix, boleto or TED
• Pay in reais and you're done! The amount will be credited to the recipient's bank account in the United States.

It's the final amount to be paid, with all charges included, such as taxes and fees (when applicable, under current law) and operating fees.

When you click “show price details”, you see exactly how the amount is broken down, with full transparency, based on the payment method and the transaction's destination.

CambioReal simplifies your transactions between Brazil and the US with efficiency, savings and expert support. Here's why so many people trust us:

• Real convenience: Send money in a few clicks, right from your phone or computer. No lines, no hassle.
• Fees that fit your budget: We offer competitive exchange rates and low fees. Go ahead and compare.
• Fast transactions: In most cases, the money reaches the United States in up to 3 business days.
• Support that understands you: Our team speaks Portuguese, English and Spanish and is ready to help via chat, phone, WhatsApp or email.
• Security from people who know the business: We've been in the market since 2004, registered with FinCEN and operating with transparency.

With CambioReal, sending money is simple, secure and more affordable.

Yes! Businesses can also use CambioReal to send money.

To open a business account, contact our team by phone, chat or WhatsApp. We ask for some company documents to enable transfers as a legal entity.

Also take advantage of our exclusive business solutions, like CambioPay (payments to teams and suppliers) and CambioCheckout (collections from Latin America, with the full amount in dollars or euros).

Transfers from Brazil to the United States take up to 3 business days. The transaction clears in up to 1 business day, and the transfer can take up to 2 business days to be completed.

• Through your online banking: This is the most convenient option, since you don't have to leave home.
• At any bank branch: You can pay the boleto at any bank branch up to the due date.
• Lottery outlets (casas lotéricas): Most lottery outlets accept boleto payments. Keep an eye on the amount limits at each lottery outlet.
• Some pharmacies and supermarkets: Some pharmacies and supermarkets offer boleto payment. Keep an eye on each location's limits and deadlines.

You can send up to $2,999 per month without submitting any documents.

For amounts between $3,000 and $9,500, you just need to complete a simple document verification, right on the platform. (Our team is also ready to help you with this if you have any questions.)

Need to send more? Check out CambioTransfer Prime, our solution for large volumes with personalized service. Just contact us via chat or WhatsApp.

Pix, boleto or bank transfer (TED). You can pay online or at one of your bank's branches.

To keep costs low and make things convenient, CambioReal runs 100% of its operations online. That way, you can send money to the United States without leaving home and save money too. If you have any questions, our team is available by phone or chat, Monday to Friday, 8 a.m. to 5 p.m. (New York time).

Yes. Taxes and fees apply when applicable, under current law, depending on the type of transfer.

They're applied automatically to transactions via Pix, boleto or bank transfer and are already itemized in your transaction total before you confirm. No surprises.

For other transaction types via CambioTransfer Prime, contact our support team.

CambioTransfer Prime is CambioReal's solution for anyone who needs to send large amounts abroad, whether as an individual or a business.

You get consultative, personalized service, with direct support via WhatsApp to find the best strategy for your transfer.

More speed, more security and a team dedicated to your case.

The rate shown on Google is the raw commercial dollar rate, used in large transactions between banks. It doesn't reflect the real rate for personal transfers.

At CambioReal, we apply a small FX spread, like any company in the industry. The difference is that we show you the final amount with this adjustment already included, clearly and transparently, so you know exactly what you're paying, with no surprises.

Payments can be split into 1 to 24 credit card installments, with chargeback insurance.

If the email didn't arrive, you can send the payment request link manually via WhatsApp, Instagram or another channel:

• Open the transaction and click the request code
• A window with the details will appear
• Copy the “Request link” field and send it to your client

Also, check the following:

• Confirm that your client's email address is correct (details like “.br” are often forgotten)
• Ask them to check their spam or trash folder
• Check that your client's inbox isn't full, which can block incoming messages

If you're still having trouble, contact our support team by phone, chat, WhatsApp or email. We're here to help!

To offer credit card payments to your clients, you need to update your contract with CambioReal.

It's simple:

• Send an email to suporte@cambioreal.com
• Or click the “Help” button in the bottom right corner of the platform and request activation via chat.

Activation is subject to a compliance review and to meeting the platform's requirements.

Once approved, your company will be able to accept Visa and Mastercard cards with up to 24 installments.

Even if the customer pays in installments, you receive the full amount at once, the next business day (D+1).

The installments are between the customer and their card issuer. For your business, that means more predictability and guaranteed cash flow, with no waiting month after month for installments.

To activate your CambioCheckout account, we ask for some basic documents from the company and its owners, to verify that operations are legal, confirm the owners' identity and confirm ownership of the receiving bank account:

• Owners' ID
• Owners' proof of address
• Company's proof of address
• Voided check or bank statement for the receiving account, showing the account holder's details
• Incorporation documents

Additional documents may be requested where applicable, such as an Operating Agreement and IRS/EIN letter.

Our compliance team is available to guide you through each step, quickly and transparently.

Nothing. CambioCheckout is free to use: we don't charge a setup fee or a “merchant fee”.

We built this solution for businesses that need to keep costs under control and have full predictability over their profits. You set how much you want to receive in dollars, and that's exactly what goes into your account.

No hidden fees. No surprises. Just more margin for your business to grow.

Yes! CambioReal offers a robust, customizable API, ideal for businesses that want to automate charging clients in Brazil directly on their websites.

Besides the API, we also offer ready-made plugins for platforms like WooCommerce, Magento, BoxControl and others.

Talk to our account managers to request the documentation and get the support you need for the integration.

Yes. With CambioCheckout and CambioAccount, the money stays on the platform and you can track your balance.

If you'd like more details, our support team is ready to help.

Yes. Taxes and fees apply when applicable, under current law, depending on the type of transfer.

They're applied automatically to transactions via Pix, boleto or bank transfer and are already itemized in your transaction total before you confirm. No surprises.

For other transaction types via CambioTransfer Prime, contact our support team.

Yes! You can issue full or partial refunds on completed transactions.

Just open the transaction details, adjust the amount you want in dollars and confirm with your password.

The refunded amount can't exceed the total originally paid.

• Refund cost: $3.99
• Exchange rate applied: the rate at the time the refund is generated, for transfers from the US to Brazil

Simple, transparent and right on the platform.

• Check the number you entered: Make sure the number is correct, with the country code (e.g. +55 for Brazil), the area code (DDD) and the digit 9. If you need to fix it, click “change number”, select the correct flag and enter it again. Then click “confirm”.
• Try forcing a signal refresh: Turn on airplane mode on your phone, wait a few seconds and turn it off. Then request a new code.

These steps solve most cases.

If it still doesn't work, contact our team by phone or WhatsApp and tell us the number you're trying to confirm. We'll verify it manually for you.

Pix: Instant.

Boleto: 1 business day

Credit card: Instant.

TED: Transfers made by 4 p.m. (Brasília time) clear within 30 minutes. For transfers made after 4 p.m., clearing happens on the next business day.

You can make payments of up to $20,000 per transaction, following these rules:

• Up to $2,999: no documents required
• From $2,999 to $9,500: an ID document and proof of address are required
• From $9,500 to $20,000: proof of the source of funds is also required

These documents can be submitted during the payment process or, if you prefer, via WhatsApp. All simple and secure.

Yes! You can create a CambioCheckout account even without a formal company in the United States.

Some features, such as up to 24 installments, may be limited, but our team is available to talk and find the best setup for you.

If your account starts handling larger volumes, we may ask for documents proving that your business is legitimate, such as shipment tracking, photos of your workplace or of the services you provide.

For those just starting out, CambioCheckout is an accessible, secure partner, ready to help turn your project into a real business.

Go to business.cambioreal.com and select the “I want to start now” option.

If you already have a CambioReal account, go to business.cambioreal.com, select the “I'm already registered” option, log in and follow the steps to create your business account.

No! We don't charge any fee for using the service. CambioReal's payment tool is simply a facilitator for businesses that need to receive money from Brazil. The easier and more affordable it is for you, the easier and more affordable it is for your clients, and the more transfers will be made. It's that simple.

If your client can't complete the payment within the deadline, the transaction will simply expire automatically. Your client can generate a new transaction at any time, at no additional cost.

If your client's monthly transfer limit was exceeded with the pending transaction, they'll need to wait for that transaction to expire in the system before generating another one. Ideally, ask your client to reach out to our team through our support channels so we can help.

Yes! CambioCheckout was built to make management easier for anyone who sells to Brazil.

In the “My company” dashboard, you can track in real time:

• Which client generated the transaction
• The status of each payment
• Which amounts have already cleared

This helps you organize shipments, release services quickly and keep full control of your charges, all in one place.

Your client will pay in reais, based on the exchange rate at the time of the transaction.

Your company, on the other hand, receives the full amount in dollars, exactly as set in the request.

More convenience for your client, more predictability for you.

The valid rate is the one at the moment your client generates the transaction by clicking the payment button.

The rate the company sees when creating the request is only an estimate, based on the rate at the time of the simulation.

Yes. Requests that haven't been paid yet can be canceled at any time.

When you cancel, your client will receive an email notifying them of the cancellation, and the request link will stop working.

If needed, just generate a new charge with the correct amount.

The total time frame is 1 to 3 business days.

Pix payments clear instantly.

TED or boleto payments clear in up to 1 business day.

The dollar amount is credited in the United States (completed status) within 1 to 2 business days after the payment clears.

It's the final amount to be paid, with all charges included, such as taxes and fees (when applicable, under current law) and operating fees.

When you click “show price details”, you see exactly how the amount is broken down, with full transparency, based on the payment method and the transaction's destination.

The ideal solution is CambioCheckout, our exclusive tool for US businesses that sell to Brazil. With it, you receive in dollars and your clients pay in reais, via Pix, credit card in up to 24 installments, boleto or TED.

Go to business.cambioreal.com to learn more, or talk to our team via chat on the website or WhatsApp. We're ready to help you sell more, without barriers.

Yes! Businesses can also use CambioReal to send money abroad.

To open a business account, contact our team by phone, chat or WhatsApp. We ask for some company documents to enable transfers as a legal entity.

Also take advantage of our exclusive business solutions, like CambioPay (team payments in Brazil) and CambioCheckout (BRL collections with a guaranteed exchange rate).

The payment may fail due to the processor's risk analysis or an insufficient card limit.

To find out the exact reason and solve it quickly, contact our support team via chat or phone. We're ready to help.

The rate shown on Google is the raw commercial dollar rate, used in large transactions between banks. It doesn't reflect the real rate for personal transfers.

At CambioReal, we apply a small FX spread, like any company in the industry. The difference is that we show you the final amount with this adjustment already included, clearly and transparently, so you know exactly what you're paying, with no surprises.

There is no fixed cost to use the service.

Your company can choose between two options:

• Absorb the installment interest, offering, for example, up to 3 interest-free installments;
• Pass the interest on to your client starting from a specific number of installments.

You decide the best strategy for your business.

If you have any questions, our account managers are available to help.

No. For legal reasons, payment must be made from a bank account or card in the name of the account holder who generated the transaction.

• Third-party Pix or TED: the transaction may not clear, and the refund can take up to 30 days.
• Third-party credit card: the transaction won't be completed.
• Boleto refunds: only made to accounts in the transaction holder's name.

This rule ensures security and compliance in our operations. If you have any questions, talk to our support team.

Visa and Mastercard.

• The first step is to contact the store or company responsible for the charge. Each partner has its own cancellation rules.
• If the amount hasn't been passed on yet, the company can notify CambioReal immediately so we can assess whether it can be canceled.
• If the payment has already cleared, the amount can be refunded at the company's request, with a $3.99 fee.
• The refund will be based on the day's rate for transfers from the US to Brazil in effect at the time of the refund.

If you have any questions, our team is available to help on all support channels.

The rate used is the one at the time of purchase, not the one when the card statement closes.

This gives you more predictability and control, because you know exactly how much you'll pay at the time of the transaction, with no surprises later.

Credit card payments clear instantly.

The full amount is deposited into your company's bank account the next business day (D+1), even if the customer pays in installments.

For special terms, contact your account manager.

Taxes and fees apply when applicable, under current law, for any payment method. The amount is itemized before the customer confirms the payment.

Yes. Taxes and fees apply when applicable, under current law, depending on the type of transfer.

They're applied automatically to transactions via Pix, boleto or bank transfer and are already itemized in your transaction total before you confirm. No surprises.

For other transaction types via CambioTransfer Prime, contact our support team.

CambioPay is CambioReal's solution for businesses that need to pay employees, service providers or suppliers between Brazil and the United States.

With it, you make international payments simply, securely and affordably, without the red tape of traditional banking processes.

More speed for the payer. More peace of mind for the recipient.

CambioPay is ideal for US companies that need to pay beneficiaries in Brazil, including employees, freelancers, service providers and other Brazilian companies.

If your company operates between Brazil and the United States, CambioPay offers the most practical and efficient way to keep these payments up to date.

CambioPay was created to simplify payments from the US to Brazil, offering real advantages for businesses:

• Zero monthly fees and none of the excessive fees charged by traditional banks
• Easy payment: via US bank account debit, Electronic Transfer or Wire Transfer
• Fast delivery in Brazil: up to 1 business day via Pix or local transfer
• Intuitive platform, with real-time control and tracking

More efficiency, less red tape and full transparency for your financial operations.

Businesses can choose between two convenient payment methods:

• US bank account debit: For amounts up to $15,000 per day and $5,000 per beneficiary
• Wire Transfer or Electronic Transfer: Ideal for larger amounts, with no maximum limit

Flexibility for your operations and convenience in your international payment routine.

No! Only your company needs to be registered.

You create the payment and the amount is deposited directly into the beneficiary's bank account in Brazil, simply, quickly and without red tape.

After logging in, click “Pay employees”, then “New beneficiary”, and fill in the recipient's details.

All beneficiaries must be registered before you make the payment.

If you have any questions, your account manager is available to guide you through each step.

With CambioPay, you can register beneficiaries both as individuals (CPF) and as businesses (CNPJ), using their Brazilian tax IDs.

Full flexibility to pay employees, freelancers or companies in Brazil.

You can choose between two options. In both cases, you only need to make one payment in the United States, and multiple beneficiaries will be paid in Brazil:

Manual payment: Ideal for a few beneficiaries. Just select the beneficiaries to be paid, enter the amounts one by one (in dollars or reais) and continue. The system will do the math and create the transfers.

Bulk payment: Recommended for large teams. Just download the template spreadsheet, fill it in with the beneficiaries' information and upload it directly to the platform. The system creates all the transfers automatically.

Yes! With CambioPay, your company sets exactly how much the beneficiary will receive in reais, with no conversion surprises.

You know the exact amount you'll pay in dollars, and the recipient gets the exact amount in reais.

More control, more transparency and zero FX uncertainty.

The CambioPay platform has a real-time dashboard where you can:

• Track the status of each payment
• Generate invoices automatically
• Export financial reports for control and accounting

Everything in one place, with full visibility and convenience for your operations.

CambioPay was created to deliver efficiency with real savings. Here's how it works:

• Service fee from $1.99 to $3.99 per payment, depending on volume
• FX spread below 1%, much more competitive than traditional banks
• No monthly fee, no setup fee and no hidden charges

Full transparency and lower costs, so your company can pay Brazil with smarter finances.

CambioReal offers omnichannel support in Portuguese, English and Spanish, via:

• Chat
• WhatsApp
• Email
• Phone

Our team is ready to help at every stage, from sign-up to making payments.

Activation goes through a due diligence process that takes up to 2 business days.

Once approved, your company can take an optional training session and will be ready to start using CambioPay.

Log in to your account at www.cambioreal.com/login

Register your beneficiaries (individuals or businesses)

Choose the payment method (debit, electronic transfer or wire) and confirm the transaction

Beneficiaries receive the money in Brazil in up to 1 business day

Our team is ready to help you!

You can reach us on WhatsApp or through the channels below:

• WhatsApp: +1 877-368-4627
• Email: suporte@cambioreal.com
• Phone: +1 302-250-4098 and +1 877-368-4627

Count on us for whatever you need.