Brazilian residents no longer need to settle for local cards with high IOF taxes and poor exchange rates.

These seven international cards are legally available to Brazilians, offering benefits like multi-currency accounts, zero foreign transaction fees, and global acceptance.

#1: Wise Card – The Multi-Currency Leader

Wise (formerly TransferWise) offers Brazilians a true multi-currency debit card with holdings in 50+ currencies.

Why Wise Dominates International Spending:

• Real Exchange Rates: Mid-market rates without markup

• Hold 50+ Currencies: Convert when rates are favorable

• Zero Hidden Fees: Transparent pricing on everything

• Local Account Details: Receive payments like a local

Wise Card for Brazilians:

• Application Process: 100% online from Brazil

• Delivery Time: 2-3 weeks to Brazilian addresses

• Initial Cost: R$ 35 one-time card fee

• Monthly Fees: None – pay only when you use

Real Cost Example:

• Traditional Card: R$ 1,000 purchase = R$ 1,064 (with IOF)

• Wise Card: R$ 1,000 purchase = R$ 1,007 (small conversion fee)

• Savings: R$ 57 per R$ 1,000 spent

#2: Nomad Global Account – Made for Brazilians

Nomad offers a US dollar account with international card specifically designed for Brazilian travelers and remote workers.

Nomad Unique Features:

• US Dollar Account: Hold USD without Brazilian bank

• Investment Options: Access to US stocks and ETFs

• No IOF Tax: Avoid 6.38% on international purchases

• Portuguese Support: Brazilian customer service

Nomad Process:

• Account Opening: 5 minutes via app

• Document Required: CPF and selfie

• Card Delivery: 15-20 days to Brazil

• Activation: Immediate upon receipt

Cost Structure:

• Account: Free opening and maintenance

• Card Fee: USD 20 one-time

• Conversion: Competitive spreads

• ATM Withdrawals: USD 5 per transaction

#3: Avenue Securities – Investment + International Card

Avenue provides Brazilians access to US markets with an international debit card linked to your investment account.

Avenue Card Benefits:

• Investment Integration: Spend from investment gains

• Dollar Account: True USD holdings

• No Brazilian Taxes: Legal international account

• FDIC Protected: Up to $250,000 insurance

Avenue Requirements:

• Investment Account: Must open brokerage first

• Minimum Deposit: No minimum required

• Card Eligibility: After account approval

• Processing Time: 2-3 weeks total

Smart Features:

• Instant Liquidation: Sell stocks to fund card

• Dividend Spending: Use investment income

• Tax Efficiency: Better than Brazilian cards

• Global ATM Access: Worldwide acceptance

#4: Payoneer Mastercard – Freelancer’s Choice

Payoneer serves Brazilian professionals receiving international payments with a linked Mastercard.

Payoneer Advantages:

• Receive Payments: From 150+ countries

• Multiple Currencies: USD, EUR, GBP, and more

• Local Receiving Accounts: US, EU, UK bank details

• Direct to Card: Spend received funds immediately

Payoneer for Brazilians:

• Approval Rate: High for freelancers

• Card Delivery: 20-30 days to Brazil

• Annual Fee: USD 29.95

• Currency Conversion: 2% fee

Best Use Cases:

• Freelancers: Receive client payments

• Remote Workers: International salary

• Exporters: Business payments

• Content Creators: Platform payouts

#5: Revolut – European Fintech Giant

Revolut recently started accepting Brazilian customers with limited features but growing benefits.

Revolut Brazil Features:

• Multi-Currency: Hold and exchange 30+ currencies

• Crypto Access: Buy and sell cryptocurrencies

• Metal Card: Premium options available

• Budget Tools: Advanced spending analytics

Revolut Limitations:

• Beta Phase: Some features restricted

• Waitlist: May need to wait for access

• Physical Card: Not yet shipping to Brazil

• Virtual Only: Currently digital card only

Future Potential:

• Full Launch: Expected 2025 completion

• Brazilian Entity: Local operations coming

• Complete Features: All global benefits

• Physical Cards: Shipping to start soon

#6: C6 Global Account – Brazilian Bank Goes International

C6 Bank offers a global account with international card for qualified customers.

C6 Global Benefits:

• Dollar Account: Hold USD in Brazil legally

• International Card: Use worldwide without IOF

• Investment Access: US market exposure

• Local Support: Brazilian Portuguese service

C6 Global Requirements:

• C6 Customer: Must have regular account

• Income Verification: Proof of income needed

• Approval Process: 5-10 business days

• Card Type: Mastercard Black International

Cost Comparison:

• No IOF: Save 6.38% on purchases

• Exchange Rate: Commercial rate + 1%

• Annual Fee: Waived for Carbon customers

• ATM Abroad: USD 6.50 per withdrawal

#7: BS2 International – Business Banking Solution

BS2 offers international accounts with cards for Brazilian businesses and high-income individuals.

BS2 International Features:

• Business Focus: Ideal for import/export

• Multiple Cards: Team members included

• Currency Management: Hold various currencies

• Wire Transfers: Simplified international payments

BS2 Requirements:

• Business Account: CNPJ required

• High Income: Individuals need proof

• Compliance: Enhanced KYC process

• Initial Deposit: USD 1,000 minimum

Business Benefits:

• Supplier Payments: Direct international transfers

• Employee Cards: For travel expenses

• Currency Hedging: Lock in rates

• Integration: ERP connectivity

International Card Comparison

Card	Best For	Delivery to Brazil	Main Benefit
Wise	Everyone	Yes (2-3 weeks)	Best exchange rates
Nomad	Investors	Yes (15-20 days)	USD account
Avenue	Traders	Yes (2-3 weeks)	Investment linked
Payoneer	Freelancers	Yes (20-30 days)	Receive payments
Revolut	Waiting	Virtual only (now)	Multi-features
C6 Global	C6 clients	Yes (7-10 days)	Local support
BS2	Business	Yes (10-15 days)	Corporate needs

Choosing Your International Card

Decision Factors:

• Primary Use: Travel, investment, or receiving payments

• Currency Needs: Single or multiple currencies

• Fee Tolerance: One-time vs ongoing costs

• Support Language: English vs Portuguese

Application Strategy:

• Start Early: International cards take longer

• Document Preparation: Passport often required

• Address Verification: Proof of Brazilian address

• Tax Compliance: Declare international accounts

Conclusion

These seven international cards prove that Brazilians have legitimate options for global financial access.

Whether you need Wise’s unbeatable exchange rates, Nomad’s investment features, or Payoneer’s payment receiving capabilities, there’s an international card matching your needs.

Start your application today and join millions of Brazilians already saving money on international transactions.