International money transfer

Your BRL account doesn't have the capability to send transfers to accounts that don't have the same CPF.

To make transfers, you must use other currencies. First, you'll need to exchange the money to USD, with a limit of $9,999.99 per transaction. Once that's done, you can exchange to other currencies and make transfers as needed.

If you don't have proof of address, you can exchange BRL to other currencies up to $10,000.00 per year. If you have a proof of address, you can exchange BRL to other currencies up to $110,000.00 per year. To upload your proof of address, reach out to Revolut Support via the in-app chat for assistance.

1. Open the Revolut app.
2. Click on your profile icon on the home screen.
3. Scroll to the bottom of the page and see which Revolut entity shows up.
4. Go to our Help Centre to read more on your Revolut entity and how we keep your money safe.

The details you need when you send money abroad vary depending on the transfer method you choose.

What details do I need for a bank transfer from Brazil?

The bank account details you need when you send money internationally generally include the recipient's full name, their bank code or BIC/SWIFT number, and their IBAN or bank account number. We may also ask you for other details, such as their city or phone number. The information you need to enter may vary depending on the country you're sending to and the currency.

What details do I need for a card transfer?

All you need to send a card transfer is the recipient's full name and card number.

What details do I need to send money to another Revolut account?

For a Revolut-to-Revolut transfer, you can simply choose someone from your contact list. You can also find someone by entering their phone number, email, or Revtag, or you can scan their QR code.

What details do I need to send money via Pix?

Pix is an instant payment system regulated by the Central Bank of Brazil. It allows users to send and receive money in real-time, 24/7, using a variety of methods — such as Pix keys (email, phone number, tax ID, or random codes), QR codes, or account details.

There are multiple ways to make a payment with Pix

• Pix key or bank details: you will need the Pix key or the account details of your recipient
• QR code: you will have to scan the QR code shared by your recipients to proceed with payment
• Pix copy and paste: you will need to paste the Pix code provided by the person receiving the payment

The time it takes for your money transfer to arrive depends on the payment method you choose, the country you're sending to, and the currency. You'll be able to see the estimated arrival time in-app before you send and track the status of your transfer. Check out our Help Centre for more on money transfers.

How long do international bank transfers take?

International SWIFT transfers from Revolut from Brazil generally arrive within 2 business days in the recipient's account.

How long do bank transfers to Brazil take?

If you're sending money via Pix, it should arrive in the recipient's Revolut account instantly.

TED transfers can take up to 24 business hours to arrive.

Bank transfers in BRL currency to Revolut accounts, including via PIX & TED, can be made only between the same recipient accounts. The money arrives into a pooled account identified by your Cadastro de Pessoas Físicas (CPF).

How long does a card transfer take?

Transfers to cards usually arrive in seconds, but they can take up to 30 minutes.

How fast are Revolut-to-Revolut transfers?

Transfers to other Revolut customers are instant. This means they usually arrive in 20 seconds or less.

1. Download the Revolut app for free on your Android or iPhone, then sign up.
2. Add money to your Revolut account.
3. Select your transfer method, then enter your destination country, currency, and amount.
4. Check our exchange rates, fees, and estimated delivery times in-app.
5. Fill in your recipient's details.
6. Tap Send and stay up to date on the status of your transfer in-app.

Topping up your Revolut account is quick and easy. Here are some ways you can add money to your account.

• Bank transfer
• Salary payment (via TED or Pix)
• Receiving money on your card
• Transfers from other Revolut customers

To choose the best transfer method for you, compare fees and delivery times in-app. They're calculated in real-time just for you — based on your transfer amount, country, and currency.
Need to send money abroad fast? Try a Revolut-to-Revolut transfer or a card transfer. Transfers to other Revolut customers are instant — they arrive in 20 seconds or less. Most card transfers also arrive in seconds, although they can take up to 30 minutes.
Trying to find the cheapest way to send money abroad? Check our fees in-app before you send. You'll pay a small fee for card and bank transfers, but there are no transfer fees when you send money to other Revolut accounts. You can also save by sending your transfers during the week — we don't charge any additional exchange fees on weekdays if your transfer is within your plan's limits.

When you send money abroad from Brazil, there are two types of costs you should keep an eye out for: currency exchange fees and transfer fees. You'll see all costs in-app before you send.

Currency exchange rates and fees

Sending money internationally often involves two different currencies: the currency you’re using to pay for the transfer and your recipient's currency. Before you send money abroad in a currency that's different from your recipient's, check our exchange rates in-app. This shows you how much the amount you enter in your currency is worth in your recipient's currency.

You may also pay an additional currency exchange fee, depending on your plan, the amount you're sending, and the time of your transfer.

• All customers, regardless of their plan, will be charged a 1% fee on all exchanges made on the weekend between 5pm Friday and 6pm Sunday (Eastern Time).
• For Brazil customers, there is a 0.5% fee charged for foreign currency exchanges over BRL 27,000 or equivalent.

Transfer fees

Depending on the transfer method you choose, you may also pay a small transfer fee. This is the amount we charge to process your transfer.

• Bank transfers

You won't pay any bank transfer fees when you send money to an account in your country and in your local currency. SWIFT international transfers will incur a fee of 0.5%, with discounts for the different paid plans (20% discounts for Premium plans, 40% for Metal and 100% for Ultra)

• Card transfers

You'll pay a small card transfer feewhen you send money using someone's card details. The amount will depend on how much money you're transferring and where you're sending from.

• Revolut-to-Revolut transfers

You won't pay any transfer fees when you send money online to other Revolut accounts.

• Pix transfers

Revolut does not charge any fees to send or receive transactions via Pix.

Planning an international transfer? Here are a few key things to keep in mind to ensure a smooth and cost-effective experience.

• Exchange rates

Even small changes in the exchange rate can make a big difference to what your recipient receives.

With Revolut, you can check live exchange rates in-app before you send. We provide a currency converter within our app, allowing you to check the live rate before initiating your transfer. Simply enter the currency you own and the one you'd like your recipient to receive, and let us do the math. When you're ready, just hit "send," and we'll handle the conversion for you.

• Fees and charges

Always be aware of the fees & charges. You'll always see the exact fee before you send your money.

• Transfer speed

Delivery times depend on where and how you’re sending, but it could reach its destination within seconds if you're sending to another Revolut account or via Pix.

• Recipient information

Make sure all recipient details are accurate to avoid delays. You’ll usually need their full name, address, bank name, account number, IBAN, and SWIFT/BIC code.

• Transfer limits

As your BRL account doesn't have the capability to send transfers to accounts that don't have the same CPF, you'll first have to use other currencies.

First, you'll need to exchange the money to USD, with a limit of $9,999.99 per transaction. Once that's done, you can exchange to other currencies and make transfers as needed.

If you don't have proof of address, you can exchange BRL to other currencies up to $10,000.00 per year. If you have a proof of address, you can exchange BRL to other currencies up to $110,000.00 per year.

• Security & reliability

Your money’s safety is our top priority.

Trusted with 67.5 billion USD in customer funds — our cutting-edge security features, and award-winning customer support, helped prevent more than R$4,4 billion worth of fraud in the previous calendar year alone.

The Imposto sobre Operações Financeiras (IOF) is a Brazilian federal tax applied to various financial transactions, including foreign exchange.

When you send money from your Revolut BRL account to an international account in a different currency, the IOF tax will be applied to the currency exchange portion of your transfer.

This is a mandatory tax set by the Brazilian government, and the rate can vary depending on the transaction type and current regulations.

For example, receiving money into Brazil typically incurs a 0.38% IOF, while sending money abroad from Brazil (outbound transfers) generally has a higher rate, such as 3.5% for many types of transfers (as per recent changes).

Revolut will always show you the full cost, including any applicable IOF, before you confirm your transfer in the app, ensuring full transparency.

How much can I transfer abroad without paying IOF tax?

Unfortunately, there are no thresholds or limits to avoid the IOF tax when sending money from Brazil internationally where a currency exchange is involved.

IOF is a mandatory tax applied to the foreign exchange operation itself, regardless of the amount transferred.

An international remittance is simply a transfer of money from one country to another.

While often associated with individuals sending money back to family or friends in their home country, the term broadly covers any cross-border transfer of funds you make to someone in a different country.

Revolut is here to help with your international remittances, making it easy for you to support your loved ones, manage your finances, or pay for services across borders, no matter where you or they are in the world.