International Money Guide
SMALL TRANSFERS

Sending R$5–R$100 abroad from Brazil

A fixed fee can dominate a tiny BRL remittance. Check whether the amount and destination are supported, then assess IOF, conversion costs and the recipient's actual amount.

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What to verify

Start with the transaction's purpose. IOF may apply to foreign-exchange transactions involving BRL. A valid quote for precisely R$10 and its funding method tells you more than a generic mid-market conversion.

Questions to check by amount

Amount sentWhat to verify
R$5Is the amount and currency route actually available?
R$10What IOF applies to this transaction purpose?
R$20Does the quote include a fixed, payment or card fee?
R$50What net amount arrives in the recipient's currency?
R$100Does the chosen payout method require extra beneficiary information?

When relevant

A hypothetical R$1 fee is 20% of a R$5 transfer. It is mathematical illustration, not anyone's published charge.

Wise's Brazilian transfer guidance explains that IOF can apply to sending BRL out of Brazil; the rules depend on the transaction's purpose.

Very small amounts can be below provider minimums or outside supported payout routes. Test the amount rather than interpolating a larger quote.

Confirm whether the sender or recipient pays any additional charges and whether the destination receives a bank deposit.

Check before sending

  • Is the amount and currency route actually available?
  • What IOF applies to this transaction purpose?
  • Does the quote include a fixed, payment or card fee?
  • What net amount arrives in the recipient's currency?
  • Does the chosen payout method require extra beneficiary information?

Frequently asked questions

Can I send just R$5 internationally?

Availability depends on the supported route, provider minimum and funding method. Check an actual quote.

Is IOF always the same rate?

No. The nature and timing of the transaction matter; use the tax breakdown in the payment flow.

Is R$1 a Wise transfer charge?

No, merely a hypothetical example of how fixed fees affect very small sums.

Sources and methodology

No live competing quotes or signup discounts are assumed. Brazilian IOF and eligibility depend on the specific transaction.

  1. Wise — Brazilian transfer IOF rules
  2. Wise — how transfer fees are calculated
  3. Wise — taxes on transfers

· Our methodology