Money Transfers to Brazil

Send Money to Brazil for Real Estate

Why Timing & Documentation Matter

If you are buying property in Brazil from the U.S., Canada, the U.K., or Europe, the money transfer is often the most stressful part. Not because it is hard to send money, but because timing, documentation, and compliance can make a smooth closing feel like a moving target.

Our role is simple: make sure your funds arrive safely, in the right account, with the right paper trail, so your escritura (deed signing) is not delayed and your investment stays clean on the banking side.

Buying in Brazil?
Let’s plan your transfer.

[email protected]
+55 21 2038 5424
+55 21 95939 2696
+55 11 95343 2424

#1 Contact us for a free quote, or
#2 Schedule a consultation now.

What makes Brazil different

Brazilian foreign-exchange transactions are not casual. Under Brazil’s foreign exchange legal framework, foreign-exchange operations must be executed through institutions authorized by the Central Bank of Brazil, and those institutions must identify clients and apply controls to prevent illicit use.

That is why we build your transfer plan around compliant channels and the documents your bank will request, not around the fastest looking option in an app store.

Transfer Options: Banks, Fintech & FX Brokers

• Traditional banks: Safe but often expensive. High wire fees and wide exchange-rate spreads reduce the amount your seller receives and can delay transfers.
• Fintech platforms (e.g., Wise, Remessa Online): Competitive mid-market exchange rates and lower fees. Faster, fully digital process — ideal for moderate transfers.
• Foreign-exchange brokers: Regulated institutions specialized in large transactions. Provide personalised advice on timing and rate locking and help ensure compliance with Central Bank rules.

What we do for you

• Connect you with vetted, licensed foreign exchange partners who handle large inbound transfers.
• Create a transfer timeline that matches your purchase contract and closing date.
• Explain exchange-rate options in plain English and help you lock a rate when it makes sense.
• Collect and organize the supporting documents banks typically request, so you are not scrambling mid-transfer.
• Track settlement through confirmation, so you can show proof of funds when the notary or seller requests it.

Big wire to Brazil?
Talk to our FX experts.

[email protected]
+55 21 2038 5424
+55 21 95939 2696
+55 11 95343 2424

#1 Contact us for a free quote, or
#2 Schedule a consultation now.

Step-by-Step Money Transfer Plan

1. Discovery call: You tell us the property timeline, price, currency, and where funds are coming from.
2. Compliance checklist: We map what the receiving bank and the FX provider will need (KYC, source of funds, purpose).
3. Rate and transfer plan: We outline options for timing and rate locking, then you choose the approach.
4. Execution: The FX provider processes the transaction through authorized channels and issues the paperwork.
5. Confirmation and closing support: We confirm receipt and keep records organized for your file. For high-value transfers, plan a 60–90 day window between contract signing and closing to allow banks ample time for compliance checks.

Need a safe transfer?
Contact us for a plan.

[email protected]
+55 21 2038 5424
+55 21 95939 2696
+55 11 95343 2424

#1 Contact us for a free quote, or
#2 Schedule a consultation now.

Required Documents for Brazilian Transfers

Most clients can prepare these items quickly. If anything is missing, we guide you step by step.

• Passport ID page and proof of address.
• Brazilian CPF (tax ID) or a plan to obtain it before closing.
• Purchase context: listing link, draft contract, or a short note on what you are buying and where.
• Proof of funds and source documentation (bank statements or brokerage statements).
• Your preferred closing window and any deadlines written into the contract.
• If you need help obtaining a CPF, see our guide.

Avoiding Common Pitfalls

• Closing dates set too aggressively: Banks often need time for documentation review and compliance checks.
• Wiring to the wrong party: In Brazil, sellers often expect the buyer to wire directly to the seller, and escrow is not always standard.
• Surprise requests for additional documents: We anticipate questions on source of funds and purpose classification.
• Unclear proof trail: Without the right documentation, it can be harder to repatriate proceeds later or support a visa application.

Want a great FX rate?
Schedule a consultation today.

[email protected]
+55 21 2038 5424
+55 21 95939 2696
+55 11 95343 2424

#1 Contact us for a free quote, or
#2 Schedule a consultation now.

Real-life Brazil scenario

A common surprise for foreign buyers: many Brazilian sellers (and their banks) prefer funds to be wired directly from buyer to seller, and Brazil does not operate like the U.S. escrow and title‑insurance ecosystem. Oliveira Lawyers recommends planning a 60 to 90 day window for money transfers in real estate deals, precisely because banks can require extra review.

Helpful Source: How to Send Money to Brazil (Oliveira Lawyers)

Confused by Brazil’s rules?
We’ll guide your transfer.

[email protected]
+55 21 2038 5424
+55 21 95939 2696
+55 11 95343 2424

#1 Contact us for a free quote, or
#2 Schedule a consultation now.

Ready to move forward?

If you want to buy, insure, finance, or manage property in Brazil from abroad, you do not need to figure it out alone.

Here are the two fastest next steps:

#1 Request a Brazil money transfer plan for your property purchase. (open)

#2 Schedule a Brazil real estate consultation call. (schedule)

Or contact us directly:

Email: [email protected]

Phone/WhatsApp:
+55 21 2038 5424
+55 21 95939 2696
+55 11 95343 2424

Sources and further reading

• Camila Saunier International Realty: Luxury Real Estate in Brazil (Services section)
• Oliveira Lawyers: How to Send Money to Brazil
• Central Bank of Brazil: Law Nr. 14,286/2021 (FX legal framework PDF)
• CNIG Normative Resolution No. 36/2018 (Real estate investment visa rules PDF)

Frequently Asked Questions (FAQ’s)

1. Do I need a Brazilian bank account to buy property?

Not always. However, a Brazilian account makes it much easier to pay ITBI, notary fees, condominium dues, utilities, and to receive rent. If you are buying as an investor, you will almost always want an account.

2. Can I use a money‑transfer app for a high‑value closing?

Sometimes, but you should assume extra compliance questions and potential delays. For property purchases and investor‑visa cases, we typically recommend a bank or FX provider that can issue clear documentation for the inbound capital.

3. Do you lock the exchange rate for me?

You control the decision. We explain your options and connect you with partners who can lock rates and show you the net amount you will receive before you approve the transfer.

4. Will this help with repatriation when I sell?

Yes, good documentation now can make future repatriation easier. Your future bank will want proof of the original inbound funds and proof taxes were handled.

5. Do you provide legal advice about foreign exchange?

We do not provide legal advice. For legal structuring and compliance questions, we coordinate with independent counsel, including our partner Oliveira Lawyers.

Disclaimer

This page is informational and does not constitute legal, tax, financial, or insurance advice. Requirements, pricing, and timelines can change based on your nationality, bank policies, and local rules. Camila Saunier International Realty is a real estate agency and not a law firm. When legal representation is needed, we can coordinate introductions to independent, licensed Brazilian attorneys, including our partner Oliveira Lawyers.