Importers
Payments to suppliers abroad, in advance or on delivery, and import financing (FINIMP).
Who is the transaction for?
Foreign exchange with real people on the other side
Simulate your FX transaction (inbound or outbound, export or import) with our simulator, or talk to our team for a quote. We access several banks in the market to get you the best terms.
- Exchange rate and total effective cost (VET) shown before you talk to us
- FX, trade finance and credit in one place, straight from our trading desk
- All our partners are authorized and regulated by the Central Bank of Brazil
Import paymentIOF 0%
Reference rate –loading…
BRL
- Converted amount
- R$ –
- IOF (0%)
- + R$ –
- Total to pay
- R$ –
VET (total effective cost)–
Talk to the Opta team about this simulation
Not a client yet? Sign up
Indicative simulation, with the rate updated every 30 seconds. The final rate is confirmed by our team when the deal is closed and depends on the bank, the type of transaction and your registration. Bank fees not included.
Who we serve
Exporters
Receiving export proceeds and pre-export financing through ACC and ACE.
Non-residents
Companies and individuals with tax residence outside Brazil: Brazilian real account (CNR), foreign exchange and Central Bank registrations.
Individuals
All kinds of payments abroad, funds received from abroad, investments and obligations.
One team, many solutions
We distribute financial solutions from leading institutions, tailored to each client's specific needs.
Foreign exchange
Every inbound and outbound flow, with support from onboarding to the delivery of the final currency, side by side with the client.
Learn moreCredit
Working capital and corporate credit lines, structured around your cash flow.
Learn moreTrade finance
Financing linked to your imports and exports, such as FINIMP, ACC and ACE.
Learn moreStructured transactions
Simultaneous (symbolic) FX, Central Bank registrations and advisory for raising funds abroad.
Learn moreAt the forefront of the market
Beyond traditional FX, we offer the digital dollar route, authorized and regulated by the Central Bank of Brazil. A new channel with significant advantages in cost, speed and traceability.
- Digital dollar transactions are not subject to IOF tax.
- Registered and documented transactions, supported by us from start to finish.
- Our team compares both routes and recommends the best one for your case.
| Traditional FX | Via digital dollar | |
|---|---|---|
| IOF on individual transfers | 3.5% | 0% |
| IOF on individual investments | 1.1% | 0% |
| Service | Opta team | Opta team |
Do you live outside Brazil, or is your company based abroad?
We serve non-resident individuals and companies that need to move funds in Brazil, from the first inflow to bringing the money back.
Non-resident Brazilian real account
Opening a current account for local transactions by individuals and companies domiciled abroad.
Foreign exchange for non-residents
Sending and receiving funds between Brazil and abroad, such as property sales, inheritance, investments and expenses in Brazil.
Foreign investment in Brazil
Capital inflows, foreign loans and Central Bank registration, with support on all the paperwork.
Do you have funds in Brazil to take abroad?
For non-residents, we have a solution that can reduce the IOF tax on the transfer from 3.5% to zero. Talk to our team and find out if your case qualifies.
Subject to eligibility review, registration and classification of the transaction. Tax rates according to current tax rules.3.5%direct transfer
0%
Central Bank registrations
Our specialized team handles your registrations quickly and securely.
SCE-IEDForeign Direct Investment
- What it is for
- Brazilian companies that receive investment from abroad. The registration must be updated whenever the share capital changes.
- Examples
- Initial investment, capital increase or reduction, equity updates, payment of dividends and interest on equity, purchase or sale of ownership interests.
SCE-CréditoForeign credit capital
- What it is for
- Documenting financial transactions with foreign capital (other than investments in companies or on the stock exchange). The most common case is receiving a loan.
- Examples
- Loans in local or foreign currency, import financing with terms over 360 days, export prepayment.
CDNRNon-Resident Declaratory Registry
- What it is for
- Identifying foreign individuals and companies in the Central Bank's system.
- Examples
- Required for SCE-Crédito and SCE-IED transactions and for a foreign company to obtain a non-resident CNPJ (tax ID) from the Brazilian Federal Revenue.
Do you trade FX often? Register your company and get dedicated service.
Become a clientHow to get started
Fill in your registration
Enter your company details and upload the documents on our portal.
Our team reviews it
We review your registration, get in touch and open your account.
Trade with Opta
Once approved, you get quotes and close your transactions directly with us.
What our clients say
I did a transaction with Opta and they helped me save more than R$ 200,000 in IOF tax on a single transaction.
I had an excellent experience with the team. They were always very helpful, quick and professional, offering quality support and looking for the best solutions for our FX needs. A company that truly conveys trust and security.
Partner banks
Frequently asked questions
Is the simulator rate the rate I will pay?
It is an indicative rate based on the current market. The final rate is confirmed by our team when the deal is closed and may vary depending on the bank and the type of transaction.
How do I become a client?
Fill in the registration on our portal with your company details and the requested documents. Our team will review it and get in touch.
Which documents are required?
For companies: articles of association with the latest consolidated amendment, partners' documents and proof of address.
Do you serve individuals?
Yes, for transfers abroad, investments abroad and receiving funds from abroad.
Do you serve people who live outside Brazil?
Yes. We serve non-resident individuals and companies, with Brazilian real current accounts, foreign exchange and Central Bank registrations. If you have funds in Brazil and want to send them abroad, we have a solution that can reduce the IOF tax on the transfer.
How does the digital dollar route work?
Instead of traditional FX, the amount is converted into digital dollars (stablecoins such as USDT or USDC), in a transaction registered and authorized by the Central Bank, and delivered abroad. Digital dollar transactions are not subject to IOF tax. Our team explains each step and compares it with traditional FX.
Which banks do you work with?
We work with the banks listed above and recommend the most suitable one for each transaction.
Let's talk about your next transaction
Talk to our team on WhatsApp or start your registration now.