Mid-market rate 1 USD = 5.001712 BRL (ECB reference, 2026-04-28). Below: how much brazilian real the recipient actually receives at three common send sizes, after each provider's margin + fixed fee.
At a $5K-equivalent transfer, Wise delivers R$529.59 more to the recipient than Western Union — a 2.13% end-to-end difference.
| Provider | Recipient gets | Total cost |
|---|---|---|
RevolutCheapest App-native; free within plan limits, then ~0.5–1% margin. | R$4,976.70 | $5.00 0.5% |
Wise Mid-market FX with a small explicit fee. | R$4,971.74 | $5.99 0.6% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | R$4,959.20 | $8.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | R$4,954.20 | $9.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | R$4,852.29 | $29.87 2.99% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | R$24,888.55 | $23.99 0.48% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | R$24,883.52 | $25.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | R$24,795.99 | $42.50 0.85% |
Xe Established broker; competitive on mid-size transfers. | R$24,770.98 | $47.50 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | R$24,358.96 | $129.88 2.6% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
| Provider | Recipient gets | Total cost |
|---|---|---|
WiseCheapest Mid-market FX with a small explicit fee. | R$49,784.58 | $46.49 0.46% |
Revolut App-native; free within plan limits, then ~0.5–1% margin. | R$49,767.04 | $50.00 0.5% |
OFX No fixed fee; B2B-grade margins on $1K+ transfers. | R$49,591.98 | $85.00 0.85% |
Xe Established broker; competitive on mid-size transfers. | R$49,541.96 | $95.00 0.95% |
Western Union Largest cash-pickup network globally; pricier on FX. | R$48,742.31 | $254.88 2.55% |
Remitly Remittance-focused; cash-pickup networks in receiving countries. | — | — |
For each provider:
Provider margins are typical retail-customer figures observed on each provider's own price calculator across major corridors (last reviewed 2026-04-29). They vary by corridor, time of day, payment method, and account tier — get a real-time quote at the “Quote” link in the table for your exact transfer.
We assume bank-funded online transfers, which is the cheapest path everywhere we sampled. Debit / credit-card funding adds 1–3% on top across providers. Western Union's walk-in cash price is meaningfully worse than online; we model online.
Provider links are nofollow + sponsored. Not financial advice. See disclaimer.