{"id":41929,"date":"2026-09-12T10:27:47","date_gmt":"2026-09-12T08:27:47","guid":{"rendered":"https:\/\/povnomad.com\/?p=41929"},"modified":"2026-09-12T10:27:47","modified_gmt":"2026-09-12T08:27:47","slug":"atm-fees-brazil","status":"publish","type":"post","link":"https:\/\/povnomad.com\/en\/atm-fees-brazil\/","title":{"rendered":"ATM Fees in Brazil: Bradesco Is Free If You Press the Right Button"},"content":{"rendered":"

Brazil holds the most dangerous conversion trap in our entire dataset. At Bradesco the withdrawal itself costs nothing<\/strong> \u2014 but accept the conversion the machine offers and our data records a surcharge of up to 16 percent<\/strong>. On top of that sits something no bank and no machine can avoid: a government tax on every transaction made with a foreign card.<\/p>\n

The machines at a glance<\/h2>\n\n\n\n\n\n\n\n\n\n\n
Bank<\/th>\nFee<\/th>\nMax per withdrawal<\/th>\nNotes<\/th>\n<\/tr>\n<\/thead>\n
Bradesco<\/strong> \u2713\u2713<\/td>\nR$0<\/strong><\/td>\nR$1,250 \u2013 2,500<\/strong><\/td>\nbest choice \u00b7 you must decline the conversion<\/strong><\/td>\n<\/tr>\n
Santander<\/td>\nR$0 for some cards
R$20 for most<\/td>\n		R$2,000<\/td>\n\u2014<\/td>\n<\/tr>\n
Ita\u00fa<\/td>\nR$12<\/td>\nR$2,000<\/td>\naccepts only certain foreign cards<\/td>\n<\/tr>\n
Banco24Horas<\/td>\nR$40 (disputed, see below)<\/em><\/td>\nR$1,000 \u2013 2,000<\/td>\nlimit depends on ATM cash<\/td>\n<\/tr>\n
Banco BV<\/td>\ndoes not accept foreign cards<\/strong><\/td>\n<\/tr>\n
BTG Pactual<\/td>\ndoes not accept foreign cards<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

As of 12 September 2026. \u2713\u2713 = confirmed by two independent sources<\/strong>: that Bradesco charges foreign cards no ATM fee and allows the highest withdrawal amounts was independently confirmed on 12 September 2026. The remaining figures come from the POVNOMAD fee dataset (ATM Fee Saver, as of 1 September 2026). Sources disagree on Banco24Horas<\/strong>: our dataset says R$40, an independent source says R$20.<\/small><\/p>\n

The recommendation is unusually clear-cut: Bradesco<\/strong>. No fee, the highest limits, dense coverage in every city. Everything else is worse, and two large banks do not accept foreign cards at all.<\/p>\n

The 16 percent trap<\/h2>\n

The greatest risk sits at Bradesco too. Our dataset carries an explicit note for this bank: a surcharge of 16 percent<\/strong> applies if you fail to decline the offered currency conversion. Travellers report similar orders of magnitude in forums, where figures around 9.5 percent come up.<\/p>\n

The exact number cannot be pinned down; the magnitude can. It is by far the highest conversion surcharge we have encountered across this series.<\/strong> For comparison, the Czech Republic and Mexico sit at 5 to 8 percent.<\/p>\n

On Bradesco machines the button reads “Cancel Conversion”<\/strong> or “Cancelar convers\u00e3o”. That is the one to press. Confirm instead and, on a R$2,000 withdrawal, you pay somewhere between R$190 and R$320 too much \u2014 at a machine that is otherwise free.<\/p>\n

Why that button matters everywhere, and what it is called on different screens, is covered in With or without conversion?<\/a> \u2014 the ATM screens are reproduced there.<\/p>\n

The IOF tax: unavoidable but plannable<\/h2>\n

Brazil levies a federal tax on every transaction made with a foreign card, the Imposto sobre Opera\u00e7\u00f5es Financeiras<\/em> (IOF). It is set centrally and does not depend on the bank or the machine:<\/p>\n\n\n\n\n\n\n
Transaction<\/th>\nIOF<\/th>\n<\/tr>\n<\/thead>\n
Debit card withdrawal<\/td>\naround 1.1 %<\/strong><\/td>\n<\/tr>\n
Credit card cash advance<\/td>\naround 3.5 %<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

As of 12 September 2026, per independent travel guides. The IOF is levied by the Brazilian state and cannot be avoided by choosing a different bank.<\/small><\/p>\n

Two things follow. First: use the debit card, not the credit card.<\/strong> The gap between 1.1 and 3.5 percent is larger than any ATM fee in Brazil. Second: fewer, larger withdrawals.<\/strong> The IOF is a percentage and so indifferent to the number of transactions, but the limits are low and every extra withdrawal is another chance to accidentally accept the conversion.<\/p>\n

So a R$2,000 debit withdrawal at a Bradesco machine costs roughly R$22 in IOF and nothing in ATM fees \u2014 as long as you decline the conversion.<\/p>\n

Two banks that will not take your card<\/h2>\n

According to our data, Banco BV and BTG Pactual do not accept foreign cards at all. This is not a fault of the machine or a problem with your bank; these institutions are simply not connected to the international networks.<\/p>\n

So a declined withdrawal in Brazil is not necessarily a card problem. Try again at a Bradesco machine before calling your bank. Ita\u00fa, too, accepts only certain foreign cards.<\/p>\n

The limits are low<\/h2>\n

Between R$1,000 and R$2,500 per withdrawal, roughly \u20ac170 to \u20ac420. Bradesco leads at up to R$2,500, which is another reason it is the first choice.<\/p>\n

One practical note: many Brazilian ATMs shut down overnight or dispense only small amounts after 10pm. This is a security measure and applies to foreign cards too. Plan withdrawals for daytime, ideally inside a shopping centre or a bank branch.<\/p>\n

Pix is everywhere, but not for you<\/h2>\n

Brazil is well advanced on cashless payment \u2014 the national instant payment system Pix is accepted from beach stalls to taxis. For visitors it is largely unusable, because it requires a Brazilian bank account or a CPF tax number.<\/p>\n

Card payment, by contrast, works smoothly in restaurants, supermarkets, hotels and larger shops, usually contactless as well. Cash is for beach vendors, small markets, tips and taxis outside the apps.<\/p>\n

What your own bank adds<\/h2>\n

The ATM fee and the IOF apply whoever issued your card. On top of that, most banks add a foreign transaction fee, commonly around 1 to 3 percent, and some add a flat charge per withdrawal.<\/p>\n

In Brazil that stacks into three items: IOF at 1.1 percent, your bank’s fee, and possibly the ATM fee. At Bradesco with a card that has no foreign transaction fee, only the IOF remains \u2014 that is the achievable minimum.<\/p>\n

We deliberately name no individual issuer’s terms here; they change often, and only your bank can confirm them.<\/p>\n

Why you want a signal at the machine<\/h2>\n

Many banks now require approval through a push notification in their app for withdrawals abroad; with no data connection the card is declined. In Brazil there is the added need to work out whether a refusal is your card or the bank, and to find the nearest Bradesco machine.<\/p>\n

A Brazil eSIM from POVNOMAD<\/a> starts at \u20ac1.00. Install it at home by QR code; validity starts when it first connects in Brazil. Unlimited plans include tethering at no extra cost up to the daily allowance, after which the connection continues at 1 Mbit\/s.<\/p>\n

Frequently asked questions<\/h2>\n
\n

Can I withdraw cash for free in Brazil?<\/h3>\n

Bradesco charges no ATM fee and allows the highest amounts at up to R$2,500; both are confirmed by two independent sources. It is still not entirely free: Brazil levies the federal IOF tax of around 1.1 percent on every debit card transaction with a foreign card. As of 12 September 2026.<\/p>\n

How much does it cost to withdraw cash in Brazil?<\/h3>\n

Nothing at Bradesco, R$20 at Santander for most foreign cards, R$12 at Ita\u00fa and R$40 at Banco24Horas \u2014 though sources disagree on the last one, with an independent source saying R$20. The federal IOF tax applies on top in every case: around 1.1 percent on debit withdrawals, around 3.5 percent on credit card cash advances.<\/p>\n

What is the IOF tax in Brazil?<\/h3>\n

A federal tax on financial transactions that applies to every payment and withdrawal made with a foreign card. It runs at around 1.1 percent on debit card withdrawals and around 3.5 percent on credit card cash advances. The IOF is set centrally and cannot be avoided by choosing a different bank \u2014 but you can lower it by using a debit card rather than a credit card.<\/p>\n

Which ATM is best in Brazil?<\/h3>\n

Bradesco. No ATM fee, the highest withdrawal amounts at up to R$2,500, and a dense network in every city. Only one thing matters: decline the offered currency conversion, or our data says a surcharge of up to 16 percent applies.<\/p>\n

Why won’t the ATM in Brazil accept my card?<\/h3>\n

It may not be your card. According to our data, Banco BV and BTG Pactual do not accept foreign cards at all, and Ita\u00fa accepts only certain ones. Try again at a Bradesco machine before calling your bank. Many Brazilian ATMs are also shut down overnight or dispense only small amounts after 10pm.<\/p>\n

What should I press at a Brazilian ATM?<\/h3>\n

At Bradesco a button reading “Cancel Conversion” or “Cancelar convers\u00e3o” will appear, and that is the one to choose. Accept the conversion and our dataset records a surcharge of up to 16 percent; traveller reports mention around 9.5 percent. It is the highest conversion surcharge we have found anywhere in this series.<\/p>\n

Can I pay with Pix in Brazil as a visitor?<\/h3>\n

Usually not. Brazil’s instant payment system Pix is accepted everywhere but requires a Brazilian bank account or a CPF tax number. Visitors are left with card payment, which works smoothly in restaurants, supermarkets, hotels and larger shops, plus cash for beach vendors, markets and tips.<\/p>\n

Will my debit card work in Brazil?<\/h3>\n

Yes, provided it carries Visa or Mastercard and your bank has enabled withdrawals outside your home region. A debit card is preferable to a credit card here anyway, because the IOF is roughly 1.1 percent rather than 3.5. Check in your online banking before you travel that international use is switched on.\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Brazil holds the most dangerous conversion trap in our entire dataset. At Bradesco the withdrawal itself costs nothing \u2014 but accept the conversion the machine offers and our data records a surcharge of up to 16 percent. On top of that sits something no bank and no machine can avoid: a government tax on every transaction made with a foreign card. The machines at a glance Bank Fee Max per withdrawal Notes Bradesco \u2713\u2713 R$0 R$1,250 \u2013 2,500 best choice \u00b7 you must decline the conversion Santander R$0 for some cardsR$20 for most R$2,000 \u2014 Ita\u00fa R$12 R$2,000 accepts only certain foreign cards Banco24Horas R$40 (disputed, see below) R$1,000 \u2013 2,000 limit depends on ATM cash Banco BV does not accept foreign cards BTG Pactual does not accept foreign cards As of 12 September 2026. \u2713\u2713 = confirmed by two independent sources: that Bradesco charges foreign cards no ATM fee and allows the highest withdrawal amounts was independently confirmed on 12 September 2026. The remaining figures come from the POVNOMAD fee dataset (ATM Fee Saver, as of 1 September 2026). Sources disagree on Banco24Horas: our dataset says R$40, an independent source says R$20. The recommendation is unusually clear-cut: Bradesco. No fee, the highest limits, dense coverage in every city. Everything else is worse, and two large banks do not accept foreign cards at all. The 16 percent trap The greatest risk sits at Bradesco too. Our dataset carries an explicit note for this bank: a surcharge of 16 percent applies if you fail to decline the offered currency conversion. Travellers report similar orders of magnitude in forums, where figures around 9.5 percent come up. The exact number cannot be pinned down; the magnitude can. It is by far the highest conversion surcharge we have encountered across this series. For comparison, the Czech Republic and Mexico sit at 5 to 8 percent. On Bradesco machines the button reads “Cancel Conversion” or “Cancelar convers\u00e3o”. That is the one to press. Confirm instead and, on a R$2,000 withdrawal, you pay somewhere between R$190 and R$320 too much \u2014 at a machine that is otherwise free. Why that button matters everywhere, and what it is called on different screens, is covered in With or without conversion? \u2014 the ATM screens are reproduced there. The IOF tax: unavoidable but plannable Brazil levies a federal tax on every transaction made with a foreign card, the Imposto sobre Opera\u00e7\u00f5es Financeiras (IOF). It is set centrally and does not depend on the bank or the machine: Transaction IOF Debit card withdrawal around 1.1 % Credit card cash advance around 3.5 % As of 12 September 2026, per independent travel guides. The IOF is levied by the Brazilian state and cannot be avoided by choosing a different bank. Two things follow. First: use the debit card, not the credit card. The gap between 1.1 and 3.5 percent is larger than any ATM fee in Brazil. Second: fewer, larger withdrawals. The IOF is a percentage and so indifferent to the number of transactions, but the limits are low and every extra withdrawal is another chance to accidentally accept the conversion. So a R$2,000 debit withdrawal at a Bradesco machine costs roughly R$22 in IOF and nothing in ATM fees \u2014 as long as you decline the conversion. Two banks that will not take your card According to our data, Banco BV and BTG Pactual do not accept foreign cards at all. This is not a fault of the machine or a problem with your bank; these institutions are simply not connected to the international networks. So a declined withdrawal in Brazil is not necessarily a card problem. Try again at a Bradesco machine before calling your bank. Ita\u00fa, too, accepts only certain foreign cards. The limits are low Between R$1,000 and R$2,500 per withdrawal, roughly \u20ac170 to \u20ac420. Bradesco leads at up to R$2,500, which is another reason it is the first choice. One practical note: many Brazilian ATMs shut down overnight or dispense only small amounts after 10pm. This is a security measure and applies to foreign cards too. Plan withdrawals for daytime, ideally inside a shopping centre or a bank branch. Pix is everywhere, but not for you Brazil is well advanced on cashless payment \u2014 the national instant payment system Pix is accepted from beach stalls to taxis. For visitors it is largely unusable, because it requires a Brazilian bank account or a CPF tax number. Card payment, by contrast, works smoothly in restaurants, supermarkets, hotels and larger shops, usually contactless as well. Cash is for beach vendors, small markets, tips and taxis outside the apps. What your own bank adds The ATM fee and the IOF apply whoever issued your card. On top of that, most banks add a foreign transaction fee, commonly around 1 to 3 percent, and some add a flat charge per withdrawal. In Brazil that stacks into three items: IOF at 1.1 percent, your bank’s fee, and possibly the ATM fee. At Bradesco with a card that has no foreign transaction fee, only the IOF remains \u2014 that is the achievable minimum. We deliberately name no individual issuer’s terms here; they change often, and only your bank can confirm them. Why you want a signal at the machine Many banks now require approval through a push notification in their app for withdrawals abroad; with no data connection the card is declined. In Brazil there is the added need to work out whether a refusal is your card or the bank, and to find the nearest Bradesco machine. A Brazil eSIM from POVNOMAD starts at \u20ac1.00. Install it at home by QR code; validity starts when it first connects in Brazil. Unlimited plans include tethering at no extra cost up to the daily allowance, after which the connection continues at 1 Mbit\/s. Frequently asked questions Can I withdraw cash for free in Brazil? Bradesco charges no ATM fee and allows the highest amounts at up to R$2,500; both are confirmed by two<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1934],"tags":[],"class_list":["post-41929","post","type-post","status-publish","format-standard","hentry","category-sim-guide"],"yoast_head":"\nATM Fees Brazil: Bradesco, IOF and the 16% Trap - POVNOMAD - Your Travel Companion<\/title>\n<meta name=\"description\" content=\"Bradesco charges no ATM fee in Brazil, but the wrong button costs up to 16 percent. 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