Exchanging money in Brazil is easy with the accessibility of ATM machines and the common practice of accepting credit cards for payment of goods and services. The unit of currency in Brazil is the real, and the exchange rate for U.S. dollars typically remains stable. Particularly when venturing outside the main tourist regions of Sao Paulo, Brasilia and Rio de Janeiro, having local currency on hand is essential.
ATM machines are plentiful in the metropolitan areas of Brazil. Small towns may only have one ATM, which can quickly run out of money, so it is wise to withdraw cash at the airport or in major tourist regions. ATMs at malls or international banks such as HSBC are the best bet for obtaining fair per-transaction fees. The money is dispensed from your debit card in Brazilian reals, as long as it has a Cirrus or Plus insignia on the back. Keep in mind that ATM machines typically close after 10 p.m. in Brazil. Walk-in banks in larger Brazilian cities still offer currency exchange, but can determine their own exchange rates. Using a credit card is a viable alternative for purchases, often with the best rates of exchange determined by the card provider. Keeping at least a small amount of Brazilian reals on hand is a good idea, as cash is still necessary for many taxi rides and almost all local outdoor markets.
