Remittances and transactions
How much of the margin the company pays today is price, and how much is lack of comparison?
Imports, exports, remittances to and from abroad, buying and selling currency.
See details →Foreign exchange and foreign trade · companies
The bank reports the total cost. It doesn't separate how much of it was spread.
Import, export, remittance or currency purchase: every transaction carries a margin built into the rate. Looked at one transaction at a time, it disappears in the statement. Added up over the year, it becomes a number that deserves a decision.
Calculation based on public Central Bank data. Nothing leaves your browser.
Free calculator
How much extra did you pay on your last exchange?
Enter the details of your latest transaction and compare it with the PTAX, the Central Bank of Brazil's official reference rate, for the same day. In a few seconds, you see the difference in reais and the projection for the year, at the pace your company operates.
- Instant calculation, using public Central Bank data.
- Nothing leaves your browser: no data is sent.
- Want to compare before your next transaction? Send me the result in one click.
Estimate based on the closing PTAX (Central Bank of Brazil). The PTAX is a reference rate; it is not an exchange offer or a promise of savings. The final cost of a transaction includes IOF (Brazil's tax on financial transactions), fees and the contracted terms.
What PTAX, spread and VET (effective total cost) are, and how to read the result (in Portuguese) →
Foreign exchange is not an isolated decision
The rate is the visible part. The rest of the structure determines what it costs.
A foreign exchange transaction touches cash flow, currency hedging, credit and the partners' personal wealth. Looked at separately, each one makes sense. Looked at together, the overlaps show up.
Currency hedging
Exporting producers and importers carry the dollar in their results. With or without a hedge, it is a decision.
Hedging instruments matched to the company's cash flow and the partners' risk appetite.
See details →Cash, credit and partners
Are the company's cash and the partners' wealth really working together?
Corporate investments, working capital, structured credit and the separation between personal and company finances.
See details →No transfer. No decision made in advance.
You don't need to change banks to find out whether there is anything worth changing.
A conversation of about 20 minutes, based on the foreign exchange and cash structure your company has today. You get to know how I work and decide whether it makes sense to go further.
Schedule a conversation No prior transfer of transactions or investments required.