Vai Blog

Exchange rates, remittances and life for people who pay and get paid abroad, with the math done and the source at hand.

How to calculate the real cost of a transfer from Brazil: the VET

Exchange rate, spread, IOF tax and fees: the full math for a US$ 1,000 transfer at the Oct 27 PTAX (R$ 5.3346), with and without IOF, and why comparing the rate alone misleads.

Oct 28, 2026 · 5 min read

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Welcome to the Vai blog

What you will find here: this week in FX, the real cost of sending money, and guides for people and companies who pay and get paid between Brazil and abroad.

Oct 28, 2026 · 1 min read

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