Whether you’re supporting your family, paying for services, or handling business transactions, knowing how to send money to Brazil efficiently is essential in 2025. With new technologies like PIX and international fintech platforms like Wise, sending money across borders has never been easier — or cheaper.
In this complete guide, we’ll cover the best ways to send money to Brazil, compare fees, transfer times, and show you exactly how to use PIX even if you don’t have a Brazilian bank account.
Why Send Money to Brazil?
There are many reasons why someone might want to send money to Brazil:
- Support family members living in Brazil
- Pay for rent, property or services
- Fund travel or educational expenses
- Transfer money for business or investments
No matter the reason, choosing the right method can save you time, stress, and unnecessary fees.
Best Ways to Send Money to Brazil in 2025
1. PIX: Brazil’s Instant Payment System
PIX is the most efficient way to send money to Brazil instantly — available 24/7 with no fees. But there’s a catch: to use PIX, you must have access to a Brazilian bank account.
PIX transfers are instant, secure, and free within Brazil. But as a foreigner, how can you use PIX?
Here’s a full guide on how to use PIX as a foreigner.
Recommended solution: Open a Wise account and connect to a Brazilian bank to access PIX from abroad.
2. Wise (formerly TransferWise)
Wise is a global leader in low-cost, fast, and transparent international money transfers. It allows you to send money to Brazilian bank accounts with excellent exchange rates and low fixed fees.
Wise also lets you hold a balance in BRL (Brazilian Real), and even open a local Brazilian bank account as a foreigner.
- Fees: Very low and transparent
- Speed: Same-day to 2 business days
- Best for: Bank transfers, recurring payments, large amounts
👉 Open your Wise account here and send money to Brazil today
3. Western Union, Remitly, Xoom (PayPal)
These are traditional options that allow you to send money to Brazil for cash pickup or bank deposit. They work, but tend to be more expensive.
| Provider | Speed | Fees | Best for |
|---|---|---|---|
| Western Union | Minutes to 1 day | Medium to High | Cash pickup |
| Remitly | Same day | Low to Medium | Bank deposit & mobile |
| Xoom (PayPal) | 1-2 business days | Medium | PayPal users |
Although these services are widely available, Wise + PIX often provide a better experience for both sender and recipient.
How to Use PIX from Abroad (Step-by-Step)
- Open a Wise account using this link
- Follow this step-by-step guide to open a Brazilian bank account
- Once your account is active, request your PIX key
- Now you can send and receive money instantly inside Brazil using PIX
It’s the fastest and cheapest way to send money to Brazil — and it works even if you’re not a Brazilian citizen.
How Much Does It Cost to Send Money to Brazil?
Let’s break down typical fees depending on the method:
- Wise: ~0.5–1% fee, best exchange rate
- PIX: Free (after setup)
- Western Union: Up to 10% depending on amount
- Xoom: ~3–5% with weaker exchange rate
Final Tips to Save on Your International Transfers
- Always compare fees and exchange rates
- Send larger amounts less frequently to reduce costs
- Use Wise to hold BRL and avoid double conversion
- Set up a Brazilian account and use PIX for internal transfers
Need help? Start by opening your Wise account here or check out our full tutorial:
👉 How to Pay with PIX as a Foreigner – Full Guide
Conclusion
Sending money to Brazil in 2025 is easier than ever. With the rise of digital banking and PIX, you can complete transfers quickly, securely, and affordably. Platforms like Wise and a local bank account are your key to unlocking all the benefits of Brazil’s financial ecosystem.
✅ Don’t wait — create your Wise account now and start saving on international money transfers!
