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3 banks that help you save money when importing from the United States

3 banks that help you save money when importing from the United States

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This post is also available in: English Português (Portuguese (Brazil)) Español (Spanish) Français (French) 日本語 (Japanese) 繁體中文 (Chinese (Traditional))

ViajaBox gives you tips on some banks with very advantageous rates for your imports

Importing from the United States is already a widely popular activity among the Brazilian public, and one thing that not every importer knows is that there are digital banks that help to save a lot when we go shopping on American sites. And for those who buy a lot from the United States, this is a real help, because if you have a way to save a lot every time, it makes importing a more and more self-sustainable business.

Traditional banks… that’s right, those that have physical branches in your city, may charge slightly higher fees for purchases made with an international credit card. Besides an IOF tax that can cost you 6.38% of the operation, we have another one called bank SPREAD, which is basically the difference between what the bank pays a saver or investor to get his or her funds, and how much the bank charges to lend the same money to people and companies.

This rate is the one that usually has the most variation from one bank to another (usually from 1 to 7%), so we should be aware of which bank will have the most attractive rate. In summary, spending on international card general fees can reach something close to or above 10% at numerous banks, but you don’t have to spend all that, as there are banks with much lower fees.

The intention of this article is not to condemn the international card use of the banks that we consider traditional, and since there are many institutions, it is not so simple to ascertain the details of each international card of each of these banks. For this reason, ViajaBox recommends that you look up the percentage of all fees involved in the conversion of real into U.S. dollars with the manager of your local bank. You can perform this consultation from time to time if you are interested in using the international card of the bank that you have had an account with for so many years.

What we have noticed is that some digital banks have gained a lot of space among Brazilian importers, precisely because they have very low exchange rates. We highlight three of these institutions, in which you will find exchange rates combined with features that will exceed expectations:

Nomad Global

It is a digital bank that allows you to open your dollar account with Brazilian documents. But the main advantage of opening a Nomad account, is the price charged for creating dollar remittances. Here, the fees are 1.1% IOF and up to 2% Bank Spread, which gives 3.1% in total. These are the fees commonly charged on a dollar remittance created through Nomad, but on some commemorative dates or at specific times of the year, they may reduce or even ZERO this Spread rate for one or more days, as they have done countless times, and what is charged on these occasional periods is only the 1.1% IOF.

So, if you already are or intend to become a Nomad customer, it is good to keep an eye out because they promote several actions similar to this one. The fintech became quite popular from the mid-2020s onward, when the import activity in Brazil was experiencing one of its greatest highs and redirectors were emerging and growing in full swing. In this period Nomad emerged and soon consolidated itself as one of the biggest references in accessible exchange.

Nowadays, most experienced importers have an account with the company or at least know this service in detail, as they have accounts with other companies that operate in a similar way. To open a Nomad account, the user must download the smartphone app from the Play Store and request account opening by filling in their personal details.

  • It is worth remembering that Nomad has a partnership with ViajaBox where, after filling in your personal data, you can enter a guest code to receive a dollar cashback when you create your first remittance in the bank. To get this code, simply contact ViajaBox via WhatsApp, ask to speak to an attendant and request the code before completing the registration in the Nomad app.

CloudBreak

It is an electronic platform that was also developed to make currency conversion and international payments simpler. And watch out because they may offer these services at the lowest cost in the market at some point, being Nomad’s main competitor. In Brazil, Cloudbreak is the foreign exchange correspondent of MS BANK, which is among the banks with the largest number of foreign exchange operations in Brazil. You can make transfers to another user instantly. They have a humanized service within the site itself, which facilitates the clarification of any questions you may have. Here you can also open an account for free with no bureaucracy, so it is very worthwhile to get to know this service as well.

C6

This is yet another Brazilian fintech that offers currency conversion services in a mode that they call C6 Conta Global, which allows Brazilians to open accounts in dollars or euros without having to leave the comfort of their home. And if the account opening process in the previous options is already simplified, in C6 it is even more so. Where you solve this with only your CNH in hand. Remembering that C6 is really a bank with all the usabilities you might need, with the currency conversion bonus at attractive rates as well.

Conclusion

There are more companies that offer foreign exchange services. But these companies we mentioned are among the most used at the moment, but as we said at the beginning of this article, you can also check the rates of your own bank, and who knows, it may pay off to use it in your imports. In the meantime, you can open an account with one of these companies recommended by ViajaBox because you will certainly save a lot on your purchases made in the United States. If you have any questions, contact ViajaBox so that we can help you choose.

Any questions? Write to us in the comments and we will try to clarify everything!

See you soon.

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