Discover our services
International Receiving
Receive resources from abroad, such as salary, fees for services rendered and investment returns in a practical and safe way.
International Payments
Send funds to overseas accounts for different purposes, such as purchasing real estate or making investments.
Foreign trade
Make exchanges for exports and imports and other financial transactions, such as converting loans into capital contributions.
NDF
Operate forward contracts and protect yourself from market price fluctuations, gaining security and predictability for your balance sheet.
International Accounts
Access the International Banking Account and the International Investment Account to make instant exchanges, financial transactions and investments in the American market.
Advantages of Exchange at Apex
Sending funds online to accounts with the same ownership.
Agility in structuring, operation analysis, processing and payment.
Operation security through BTG Pactual, the largest investment bank in Latin America.
Signing a contract directly in the app, with one click and without bureaucracy.
Reduced costs.
Documents available for online consultation via website or app.
FAQ
There are several types of exchange transactions. Learn more about each one.
Sending remittance abroad
To send funds abroad, simply access the Apex app and select the “Exchange” option, available in the “Services” menu. Then, select the “Send remittance” option, provide the reason for sending and other requested data, and follow the instructions that will be given. The response is fast: you will know what you need to do to complete your transaction within 24 hours.
Receiving money from abroad
To receive remittances from abroad into your Apex account, simply choose the currency and check the bank details. Then, forward the information so that the sender can send the amount to you and wait for the remittance identification email to arrive in your Apex account. Then, send the requested documents by email. You will then receive a response with the approval of the analysis. Finally, just call our exchange desk and close the transaction.
Foreign trade
To provide safe, fast and personalized service, foreign exchange operations for import and export and other financial transactions related to Foreign Trade are handled directly by one of Apex's advisors. The response is quick and you can count on the support of our specialists throughout the operation.
The exchange rate is the value of any foreign currency (euro, pound, US dollar, yen, etc.) in relation to the national currency, in our case, the real. For example: if the price of the euro is R$5,37, this is the exchange rate of the European currency at that given time. In this scenario, to send one thousand euros, it would be necessary to spend R$5.370,00 (five thousand three hundred and seventy reais), plus operational costs (taxes according to the nature of the transaction and exchange contract fee).
In Brazil, the system adopted is the floating exchange rate, in which the country itself establishes its exchange rate between one country and another. In other words, those who negotiate the exchange of currencies have a certain freedom when negotiating the exchange of currencies. There are several factors that result in the formation of this value, including:
- Economic situation of countries (such as inflation and employment levels, for example).
- Attractiveness of the national economy for investors (country risk).
- Internal and external interest rates.
- Fiscal and monetary policy of the countries involved.
- Level of imports and exports.
- Flow of tourists, immigrants and residents outside the country.
Thus, the floating exchange rate regime is represented by the forces of supply and demand for foreign currencies, and these factors are decisive in defining the exchange rate price. Normally, the government does not seek to interfere in the functioning of the exchange market, as it is self-regulated and follows the proposal of Supply and Demand. If the demand for dollars in Brazil increases, the price of this currency should also rise, which causes the exchange rate to increase, resulting in an exchange rate devaluation. On the other hand, if economic agents prefer the real over the dollar, an exchange rate appreciation should occur, causing a decrease in the exchange rate.