Send Money from Canada to Brazil

Measured on the full cost — the transfer fee plus the exchange-rate margin — Remitly is cheapest on this corridor at C$1,000, across the 3 providers we hold checked figures for. Western Union advertises no transfer fee here, which looks cheaper and often is not: a provider with no fee recovers it in the rate, and the margin is usually the larger of the two costs. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Brazilian reals rather than the headline fee.

At C$1,000, Remitly is the cheapest of the 3 providers priced at that amount on this corridor: about C$9.70 all in, or 0.97% of the amount sent. Wise is next at about C$11.90. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at C$1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Western Union can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are Pix, bank deposit and cash pickup. The most widely used options in Brazil are Pix instant payments and bank deposit. Pix has transformed payments in Brazil — providers that support it can deliver funds in seconds, any day of the week. Not every provider supports every method, so check the table above before you commit.

No. Western Union offer cash pickup in Brazil, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, Pix instant payments and bank deposit generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For CAD to BRL, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Canada under FINTRAC, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly C$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Remitly advertises no fee on Pix transfers every time rather than only on a first transfer, which is a genuinely different offer from the usual welcome deal. A zero fee still is not a zero cost — the provider earns on the exchange rate — so compare the reais that arrive, but on a recurring Pix transfer that structure is worth checking against Wise's roughly 10.75 CAD at 1,000 CAD. Pix is instant and free inside Brazil, and only Remitly publishes it here. Wise and Western Union both reach bank accounts, and Western Union adds cash. Card funding is where the cost lands. On Wise's own table at 1,000 CAD a credit card costs about 59.44 CAD against 22.82 by debit — the ordinary way round on this corridor, but more than double. We read the table twice on separate requests and got identical figures.