Send Money from Portugal to Brazil

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Brazilian reals rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

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, cash pickup and card payout. 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 EUR 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 Portugal under the Bank of Portugal, 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 €10,000, a specialist foreign-exchange broker will often beat an app on rate.

Western Union states it needs your recipient's CPF — their Brazilian tax number — as well as their full name, phone number, bank branch and account number and type. That is more than the other services on this page ask for, and it is worth finding out before you start rather than halfway through a transfer. This corridor's Wise figures are identical, to the cent, to the same provider's Irish page for the same destination, on all seven rows including both cards. Wise prices a euro transfer by the currency route, not by which euro country you are sitting in. All seven of Wise's funding rows held identical across two independent reads here, so all seven are published. Wise's Portuguese pages offer an open-banking payment option that its American, Singaporean and Swiss pages do not — a direct bank payment authorised through your own bank rather than a card or a manual transfer. At 10.95 EUR it sits below the ordinary bank transfer at 12.76 EUR, for the same money leaving the same account. Brazil applies its own tax and reporting rules to inbound foreign transfers, and the receiving institution may deduct charges the sending service never sees. Ask your recipient what actually landed on a first transfer.