🇧🇷 BRL / 🇨🇦 CAD ✓ Official Mid-Market Rate (0% Markup) Independent Analysis

BRL to CAD Exchange Rate & Bank Wire Fee Comparison (2026)

Convert Brazilian Real (BRL) to Canadian Dollar (CAD). The live interbank midpoint rate is 1 BRL = 0.2426 CAD. Compare hidden currency conversion spreads across major international wire systems.

Live Converter

BRL to CAD Real-Time Calculator

Sourced via Central Bank Interbank Feeds

You Send (BRL) Quick amounts

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Recipient Receives (CAD - Interbank Midpoint)

242.56

Official benchmark rate (0% markup applied)

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Historical Benchmarks

BRL to CAD Historical Exchange Rates

Official central bank reference rates across 30-day, quarterly, and annual lookbacks.

Official Reference Feeds

Period	Interbank Midpoint	Yield on R$1,000	Trend / Variance
Today (Interbank Midpoint)	1 BRL = 0.2426 CAD	C$242.56	Current Live Rate
30 Days Ago	1 BRL = 0.2416 CAD	C$241.59	+0.4% (Higher)
90 Days Ago (Quarterly)	1 BRL = 0.2455 CAD	C$245.47	-1.2% (Lower)
180 Days Ago (Half-Year)	1 BRL = 0.2375 CAD	C$237.46	+2.1% (Higher)
1 Year Ago (52W Midpoint)	1 BRL = 0.2426 CAD	C$242.56	-0.0% vs Annual Baseline

Settlement Timeline

BRL to CAD Delivery & Settlement Windows

Estimated delivery windows based on standard clearing rails and banking cut-off schedules.

Target System: Interac / EFT (Transit & Institution Number)

Direct Domestic Rail 0 - 2 Hours

Local Automated Clearing

Transfers settling through local domestic rails (Interac / EFT (Transit & Institution Number)) typically clear within hours during standard operating windows.

Weekend Processing: Active on 24/7 Rails

Retail SWIFT Wire 1 - 3 Business Days

Correspondent Banking

Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.

Standard Cut-off: 15:00 Local Bank Time

Banking Calendar Standard Schedule

Cut-off & Holiday Factors

Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.

Holiday Settlement: Next Business Day

⚠️

Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (Interac / EFT (Transit & Institution Number)). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.

Institutional Market Windows

Global FX Market Trading Sessions & Real-Time Liquidity Clock

Live status of the four major international interbank wholesale currency dealing desks (UTC standard).

00:00:00 UTC

🇦🇺 Sydney Session

CLOSED

Wholesale Hours: 21:00 - 06:00 UTC

Pacific Clearing Window

🇯🇵 Tokyo Session

CLOSED

Wholesale Hours: 00:00 - 09:00 UTC

Asian Core Hub (21% Vol)

🇬🇧 London Session

CLOSED

Wholesale Hours: 08:00 - 17:00 UTC

European Core Hub (38% Vol)

🇺🇸 New York Session

CLOSED

Wholesale Hours: 13:00 - 22:00 UTC

Americas Core Hub (19% Vol)

🧭 Current Market Liquidity Status: Calculating...

Optimal execution: During London & NY overlap (13:00 - 17:00 UTC)

ℹ️ Market Operational Notice: Institutional trading sessions reflect international wholesale dealing hours. Retail bank wire transfers execute according to the sending and receiving commercial banks local business day cut-off calendars. For educational and liquidity timing analysis only.

Transfer Preparation

Required Details to Wire BRL to CAD

Make sure you have these exact payment credentials before initiating your transfer.

1. Recipient Identity

Beneficiary Full Name

Exact match as registered on recipient bank account.

2. Account Identifier

Interac / EFT (Transit & Institution Number)

IBAN, Account Number, or local domestic routing code.

3. Bank Code

SWIFT / BIC Code

8 or 11 character identifier of the recipient's bank branch.

4. Transfer Purpose

Payment Reference

Invoice number or descriptive reference for AML compliance.

Macroeconomic Analysis

BRL vs CAD: Central Bank Policy & Inflation Matrix

Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.

Official Macro Indicators

🇧🇷

Brazilian Real (BRL)

Central Bank of Brazil (BCB)

Policy Rate

10.75%

Benchmark rate

Annual CPI Inflation

4.4%

Consumer prices

Estimated Real Yield (Rate - Inflation): +6.3%

🇨🇦

Canadian Dollar (CAD)

Bank of Canada (BoC)

Policy Rate

4.25%

Benchmark rate

Annual CPI Inflation

2.4%

Consumer prices

Estimated Real Yield (Rate - Inflation): +1.9%

Policy Rate Differential: 6.50% (BRL vs CAD)

Inflation Differential: 2.00% (Annual CPI spread)

ℹ️

Macroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Central Bank of Brazil (BCB), Bank of Canada (BoC)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.

Interactive Trend Analysis

BRL to CAD Historical Exchange Rate Chart

Real-time interbank rate trajectory across standard historical observation periods.

Period Low

Period High

Period Average

Current Spot

C$0.2426

⚖️ Historical Data Disclaimer: Historical exchange rate trajectory is synthesized from official central bank reference fixes and interbank mid-market fixes. Past foreign exchange movements do not predict future trends. For informational, educational, and analytical benchmarking purposes only.

Corridor Volatility & Trend

52-Week Exchange Rate Position

Liquidity Status: High & Stable

52W Low: C$0.2329 Current: C$0.2426 52W High: C$0.2523

Lower bound Current rate sits at 50.0% of annual range Upper bound

Independent Market Analysis

Compare Wire Transfer Costs: BRL to CAD

Estimates based on standard retail bank margins vs direct interbank rail settling.

Zero Promotional Bias

Simulate Transfer Amount (BRL): R$1,000 BRL

R$250 R$5,000 R$10,000 R$20,000

Benchmark

Direct Midpoint Rail

0.0% Rate Markup (Interbank)

Rail Fee:R$4.50

Rate:0.2426

Clearing:Instant / Same Day

Recipient Receives

C$242.56

Maximum Yield

Optimal Benchmark Rail

Retail SWIFT

Commercial Banks

~3.2% Hidden FX Margin

SWIFT Fee:R$25.00

Bank Rate:0.2348

Speed:2-4 Business Days

Recipient Receives

C$872.53

-Lost to Hidden Margin

High Intermediary Margin

Consumer Wallet

Global Wallets

3.5% Currency Spread

Tx Fee:R$4.99

Rate:0.2341

Speed:Instant (Closed Wallet)

Recipient Receives

C$887.41

Closed loop balance

Convenient but Marked Up

Cash Agent

Cash Remittance

Retail Spread + Cash Fee

Counter Fee:R$8.00

Rate:0.2367

Speed:Physical Counter / 1 Day

Recipient Receives

C$896.12

Physical cash pickup

Agent Network Fee

Transparent Cost Breakdown

Traditional Bank Wire Cost Itemization (BRL to CAD)

See how retail banks charge upfront wire fees, SWIFT intermediary deductions, and currency markup.

Based on G20 Remittance Pricing Metrics

Transfer Principal: R$1,000.00 BRL

1. Originating Bank Upfront Wire Fee

Fixed outgoing international wire tariff charged by retail banks.

R$25.00

2. SWIFT Intermediary / Correspondent Bank Fee

Charged by routing banks under standard SWIFT SHA/BEN clearing rules.

R$20.00

3. Retail Exchange Rate Margin (Hidden Spread)

Typical 2.8% markup added on top of the interbank midpoint.

R$28.00

Total Traditional Bank Friction: -R$73.00

Recipient Receives via Commercial Bank: C$883.60

Transparent Direct Rail 0% Rate Markup

Direct Domestic Clearing Fee: R$4.50

Intermediary Correspondent Deductions: R$0.00 (Bypassed)

Currency Exchange Markup: 0.00% (Interbank Spot)

Recipient Receives: C$241.47

Estimated Direct Advantage: +C$-642.13

🔒 Benchmarking Methodology & Regulatory Notice: The simulated fee itemization reflects empirical retail banking wire pricing standards reported under the G20 Financial Stability Board cross-border payment targets and World Bank Remittance Prices Worldwide dataset. SWIFT correspondent deductions depend on whether the transfer is initiated as OUR, SHA, or BEN, and intermediary routing hops. WireCompare is an independent analytical benchmark engine, not a regulated bank.

Lookup Tables

BRL to CAD Fast Conversion Matrix

Direct interbank rate values compared against typical commercial bank payouts.

🇧🇷 BRL to 🇨🇦 CAD

1 BRL = 0.2426 CAD

Amount	Mid-Market Rate	Bank Payout	Hidden Spread
R$1 BRL	C$0.24 CAD	C$0.00	-C$4.70
R$5 BRL	C$1.21 CAD	C$0.00	-C$4.73
R$10 BRL	C$2.43 CAD	C$0.00	-C$4.77
R$25 BRL	C$6.06 CAD	C$1.17	-C$4.89
R$50 BRL	C$12.13 CAD	C$7.04	-C$5.08
R$100 BRL	C$24.26 CAD	C$18.78	-C$5.47
R$250 BRL	C$60.64 CAD	C$54.00	-C$6.64
R$500 BRL	C$121.28 CAD	C$112.70	-C$8.58
R$1,000 BRL	C$242.56 CAD	C$230.10	-C$12.46
R$5,000 BRL	C$1,212.79 CAD	C$1,169.28	-C$43.51
R$10,000 BRL	C$2,425.57 CAD	C$2,343.26	-C$82.31

🇨🇦 CAD to 🇧🇷 BRL (Reverse)

1 CAD = 4.1227 BRL

Amount	Mid-Market Rate	Bank Payout	Hidden Spread
C$1 CAD	R$4.12 BRL	R$0.00	-R$79.95
C$5 CAD	R$20.61 BRL	R$0.00	-R$80.48
C$10 CAD	R$41.23 BRL	R$0.00	-R$81.14
C$25 CAD	R$103.07 BRL	R$19.95	-R$83.11
C$50 CAD	R$206.14 BRL	R$119.72	-R$86.41
C$100 CAD	R$412.27 BRL	R$319.27	-R$93.01
C$250 CAD	R$1,030.69 BRL	R$917.89	-R$112.80
C$500 CAD	R$2,061.37 BRL	R$1,915.59	-R$145.78
C$1,000 CAD	R$4,122.74 BRL	R$3,911.00	-R$211.74
C$5,000 CAD	R$20,613.71 BRL	R$19,874.25	-R$739.46
C$10,000 CAD	R$41,227.42 BRL	R$39,828.33	-R$1,399.09

Mid-Market Rate

0.2426

1 BRL = C$0.2426

Inverse Rate

4.1227

1 CAD = R$4.1227

52-Week Range

0.2329 - 0.2523

Annual volatility band

Target Bank System

Interac / EFT (Transit & Institution Number)

Clearing rail for CAD

Knowledge Base

Frequently Asked Questions (BRL to CAD)

Click any question to expand

Q What is the current exchange rate for BRL to CAD?

As of 2026, the real mid-market interbank rate is 1 BRL = 0.242557 CAD. This is the true benchmark rate with zero hidden bank markup.

Q How much does a bank charge to send BRL to CAD?

Most traditional high-street banks charge a front-end wire fee of around R$25 plus a 2.5% to 4% hidden exchange rate markup. On a R$1,000 transfer, you typically lose around C$12.54 compared to specialized neobanks like Wise.

Q What bank codes are needed to send CAD to Canada?

To receive CAD in Canada, the recipient typically needs to provide their Interac / EFT (Transit & Institution Number).

Q How fast does an international transfer take between BRL and CAD?

Using modern digital payment networks (like Wise or local fast rails), transfers often arrive within minutes or hours. Traditional SWIFT bank wires take 2 to 4 business days.

Related Corridors From BRL

View Reverse: CAD to BRL →

BRL → USD

1 BRL = 0.1751 USD

BRL → EUR

1 BRL = 0.1619 EUR

BRL → GBP

1 BRL = 0.1351 GBP

BRL → JPY

1 BRL = 26.6900 JPY