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How to Send Money from the US to Brazil with Lower Fees
A comparison of the best international transfer options: Wise, Remitly, Western Union and traditional banks. Save on exchange fees.
Redação H2A Works Updated on September 18, 2026 5 min read
International transfers: how not to lose money to fees
Sending money from the US to Brazil looks simple, but fees can eat a significant part of what you earned. Here are the best options.
Wise (formerly TransferWise)
Wise is generally the cheapest option for international transfers.
- Exchange rate: close to the real (mid-market) rate
- Fixed fee: about $4 to $8 per transfer
- Time: 1 to 2 business days
- Limit: up to $1 million per transfer
How to use it: Create an account at wise.com, add your American card or bank account and the recipient's Brazilian account.
Remitly
A good option for those who need speed.
- Exchange rate: slightly below the real rate
- Fee: varies, but there are often promotions for new users
- Time: can be minutes (Express) or 3-5 days (Economy)
Western Union
More traditional, but usually more expensive.
- Advantage: the recipient can collect cash at branches in Brazil
- Disadvantage: higher fees and a less favorable exchange rate
Traditional banks (wire transfer)
The most expensive option in most cases.
- Fee: $25 to $45 per transfer
