FAQ

In case your question is not listed below, our support team will be happy to assist you.

Contact us on:
Chat on the website
Whatsapp: +1 (302) 250 4098
E-mail: support@cambioreal.com
Phones:
USA: +1 302-250-4098
USA: +1 877-368-4627

Monday to Friday, 8am to 6pm. (BRT)

CambioReal offers many advantages for its customers: 

Security: Sending money legally. All operations have the same security of a bank. 
Convenience: You will be able to complete your transaction without leaving home; online or by phone. 
Best exchange rate: CambioReal offers the best exchange rates in the market.
Agility: On most cases, your money arrives in Brazil in 1 to 3 business days.
Multi-Lingual Customer Service:  Our team speaks English, Portuguese and Spanish and is always available to help in any difficulties you may have.

Your registration is fast and totally free. There are two ways of registering: Online or by phone. Choose the one that is most convenient for you:

ONLINE

Step 1: Click in Sign Up at the main menu and fill out the registration form. 
Step 2: You will receive a confirmation e-mail. Click on the link provided on the e-mail to confirm your registration. (Don't forget to check the spam folder in case you don't see the e-mail at inbox. 
Step 3: For security reasons, we will contact you in 24h by phone to verify all information and approve your account. 

PHONE NUMBER
We will be happy to make your registration by phone. 
Call us on +1-877-368-4627 or +1-302-250-4098. 
Monday to Friday from 9am to 5pm. (EST)

CambioReal offers four methods for money remittances to Brazil. See below: 

Bank Account Debit: Send money online. This method is the most used and uses a preferable exchange rate. After logging in, click the Send Money link in the main menu, select the "Bank Account Debit" option and follow the steps on the screen to register your bank account. For security reasons, 3 documents must be submitted by email prior to the first remittance.

Wire Transfer: Utilize this method for transactions ​​above U$2,990. For security reasons, you must contact the CambioReal by phone in order to create the transaction and receive instructions for Wire Transfer. After that, you will go to your bank and perform a transfer to our account through Wire Transfer. The bank may or may not charge a fee for the transaction.

Agents: You may also send money personally through one of our authorized agents. Please contact us by phone to find the nearest agent. Phone: +1-877-368-4627 or +1-302-250-4098. Monday to Friday 9am to 5pm. (NY Time)


Sending money through CambioReal is 100% safe. CambioReal was founded in the United States in 2004. In the United States, CambioReal is a company registered as money services business with Financial Crimes Enforcement Network "FINCEN". We are commited to asure your money will arrive safely in its destination, by following numerous compliance procedures from beginning to end. 
Sending money through CambioReal is a guarantee that you are sending money legally. The governmental agencies that regulates CambioReal are the same agencies that regulates American Banks. Furthermore, all transactions are held on our secure server, which utilizes the same technology used by all banks on Online Banking. 
Usually, the transaction takes 1 to 3 business days to be completed. However, each method may take a different time:

Bank Account Debit: The transaction may take 1 to 3 business days to be completed. In cases of Brazilian or international Holidays, this may take a little longer, depending on the functioning of Banks in Brazil. To ensure this deadline, make sure you entered the account information correctly, including the appropriate type of account (savings or checking account).

Wire Transfer: Wire Transfer transactions may be concluded on the same day if the instructions are followed accordingly. 

See details on terms below: 

Deposits confirmed by 09:00 AM (EST) will be credited to Brazilian bank account within 2 business days. It is possible that the payment takes only 1 business day.
Deposits confirmed after 10:00 AM (EST) will be credited to Brazilian bank account within 3 working days. The most common term is 2 business days .
Please note that the above terms refer to business days. Thus, an item requested at 10:01 AM (EST) of a Friday may be credited at the following Wednesday.

ATTENTION : The responsibility for the accuracy of the account information of the recipient in Brazil are the responsibility of the customer. The customer must subscribe or properly inform the bank name, branch number, account number, CPF/CNPJ and full name of the main account holder. If this information is not correct, CambioReal is not responsible for fulfillment of the above mentioned deadlines.
There are no annuity or extra fees to use CambioReal services.
For any remittance value, a fee of U$3.99 is charged.
For transaction cancelation, a fee of U$50.00 (A refund of amounts paid to CambioReal is made within 30 days of cancellation request. CambioReal will issue a check payable to the account holder and send it via mail to the address in the clients account).
This depends on the method you chose .

After registering ai CambioReal, locate the method you chose and send the required documents to support@cambioreal.com.

Bank Account Debit

3 documents are required :

1 ) Copy of one Photo ID. For examples :

  • Passport : Copy of pages which contains a photo, personal data, and signature .
  • Driver 's License : Copy of the front of the document. 

2 ) Copy of one proof of address ( with date of issuance of the past 3 months). For examples :

  • Utility Bill : water, electricity , gas , internet , landline phone, cell phone .
  • Bank statement or credit card statement.
  • Letter from the bank where you have an account.

3) A copy of a check voided (written VOID), in which contains the name of the account holder.
If your name does not appear on the check, please send us proof of address from the bank to validate the check.

Money Order:

There is no need of sending documents for remittances of U$2,990 every 30 days, unless requested by one of our representatives. If you wish to improve the terms to U$2,900 every 10 days, the same documents in items 1 and 2 of "Bank Account Debit" should be submitted by e-mail.

Wire Transfer: 

3 documents are requested, they are:

1 ) Copy of proof of income. For example:

  • Paycheck (proof of salary)
  • Income tax - W2 (income tax )
  • Bank statement : Statement of the past 03 months. The statement must show a compatible accumulated value sent by the client balance.
2 ) Copy of a Photo ID. For example:

  • Passport : Copy of pages which contains a photo, personal data, and signature .
  • Driver 's License: Copy of the front of the document. 
3) Copy of one proof of address ( with date of issuance of the past 3 months). For examples :

  • Utility Bill : water, electricity , gas , internet , landline phone, cell phone .
  • Bank statement or credit card statement.
  • Letter from the bank where you have an account.

- Confidentiality: All customer information stored in CambioReal are protected by U.S. law and may not be provided to third parties.
- Customer's may be requested to provide a source of income depending on the frequency of remittances. 
Bank Account Debit: You may send up to U$2,990 every 7 days. 
Money Order:  You may send up to U$ 2,990 every 10 days if you send the required documents. Without submitting documents, the limit is U$2,990 every 30 days.
Wire Transfer: There are no limits as long as the wire transfer is in accordance with the stated reason and documents provided. This method is used for remittances above U$ 2,990.

CambioReal reserves the rights to request additional documents for record keeping if the company considers it necessary. CambioReal may also deactivate accounts of customers who deny to send additional documentation required. 
The minimum ammount is U$10.00.
By registering on CambioReal.com all accounts have a status assigned. They are: 

PENDING: After your registration will be held at CambioReal this status. Pending status, you can perform remittances via Money Order, Bill Payment and remittances of up to U$499.00 via Bank Account Debit. 

APPROVED: After sending documents to CambioReal and verifying your contact information, this will be your status. With approved status, you can perform remittances via Money Order, Bill Payment and remittances of up to U$499.00 via Bank Account Debit. Once your documents are verified and approved, your status will change to Certified. 

CERTIFIED: This is your full registration. Allowing use all methods, and limits of $ 2.990 via Bank Account Debit.

Yes. IOF (Tax on Financial Operations) is mandatory.

The rate, updated by the government on July 17, 2025, varies depending on the type of transfer:

  • 0.38% for transfers/payments from the United States to Brazil (CambioPay, CambioTransfer)

  • 3.5% for transfers from Brazil abroad, depending on the nature of the operation (purchases, maintenance of residents, availability, investment, etc. — CambioCheckout, CambioTransfer, CambioTransfer Prime)

  • For other specific use cases via CambioTransfer Prime, please contact our support team.

The tax is automatically applied to transactions made via PIX, boleto, or bank transfer, and is already itemized in the total amount of your transaction. No surprises.

Yes. IOF (Tax on Financial Operations) is mandatory.

The rate, updated by the government on July 17, 2025, varies depending on the type of transfer:

  • 0.38% for transfers/payments from the United States to Brazil (CambioPay, CambioTransfer)

  • 3.5% for transfers from Brazil abroad, depending on the nature of the operation (purchases, maintenance of residents, availability, investment, etc. — CambioCheckout, CambioTransfer, CambioTransfer Prime)

  • For other specific use cases via CambioTransfer Prime, please contact our support team.

The tax is automatically applied to transactions made via PIX, boleto, or bank transfer, and is already itemized in the total amount of your transaction. No surprises.

Yes. IOF (Tax on Financial Operations) is mandatory.

The rate, updated by the government on July 17, 2025, varies depending on the type of transfer:

  • 0.38% for transfers/payments from the United States to Brazil (CambioPay, CambioTransfer)

  • 3.5% for transfers from Brazil abroad, depending on the nature of the operation (purchases, maintenance of residents, availability, investment, etc. — CambioCheckout, CambioTransfer, CambioTransfer Prime)

  • For other specific use cases via CambioTransfer Prime, please contact our support team.

The tax is automatically applied to transactions made via PIX, boleto, or bank transfer, and is already itemized in the total amount of your transaction. No surprises.

Yes. IOF (Tax on Financial Operations) is mandatory.

The rate, updated by the government on July 17, 2025, varies depending on the type of transfer:

  • 0.38% for transfers/payments from the United States to Brazil (CambioPay, CambioTransfer)

  • 3.5% for transfers from Brazil abroad, depending on the nature of the operation (purchases, maintenance of residents, availability, investment, etc. — CambioCheckout, CambioTransfer, CambioTransfer Prime)

  • For other specific use cases via CambioTransfer Prime, please contact our support team.

The tax is automatically applied to transactions made via PIX, boleto, or bank transfer, and is already itemized in the total amount of your transaction. No surprises.