Intercam
- Company typePrivate
- Founded1943
- HeadquartersSão Paulo, Brazil
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
Intercam firmographics
Firmographics- Name
- Intercam
- Legal name
- Intercam Corretora
- Website
- https://intercam.com.br
- Company type
- Private
- Founded year
- 1943
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Where Intercam is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Intercam business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Others, Technology or R&D, Marketing or Sales
Revenue model
- Currency Exchange Margins: Revenue generated from the spread between buying and selling foreign currencies, offering competitive exchange rates with full transparency in costs. Services include foreign currency for tourism, international transfers, and gold transactions.
- ESPP and Stock Options Advisory: Complete management of Employee Stock Purchase Plans and Stock Options plans, including plan implementation, W-8 BEN form assistance, and broker intermediary services. 26 years of market experience.
- Electronic Registrations Consulting: Consulting services for issuing and updating registrations and declarations with the Central Bank of Brazil, including SCE-CREDIT/IED, CENSO, CDNR, DEF, and CBE declarations.
- Foreign Exchange Outsourcing: Corporate outsourcing services for partial or complete management of company foreign exchange operations, with over 15 years of expertise in the segment.
- International Transfers: Authorized by the Central Bank of Brazil to process international transfer operations with a limit of USD 500,000 per operation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Tourism Exchange - Individual Customers |
| Other | Multi-year contract | ESPP and Stock Options Plans - Corporate |
| Professional services/ project-based | Multi-year contract | Corporate Outsourcing |
| Transaction based/ take rate | Pay-as-you-go | International Transfers |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Intercam product offering
Product offeringCore offering
Intercam is a Brazilian foreign exchange brokerage firm accredited by the Central Bank of Brazil that buys and sells foreign currency, executes international money transfers (up to USD 500,000 per operation), provides corporate FX intermediation and outsourcing, manages Employee Stock Purchase Plans (ESPP) and Stock Options for multinationals, and offers consulting for Central Bank electronic declarations. Its offerings span individual travelers (tourism currency, prepaid cards) and large corporate clients (FX outsourcing, ESPP advisory, regulatory declarations).
Product overview
Intercam is a Brazilian foreign exchange brokerage firm founded in 1943, offering a comprehensive suite of currency exchange and international financial services. The company's product portfolio operates as an integrated financial services platform comprising: (1) Consumer-facing services including Câmbio Turismo for travel currency needs, and pre-paid cards; (2) Business solutions including Intermediação (corporate exchange intermediation), Transferências Internacionais (international transfers up to USD 500k), and Outsourcing (partial/full corporate FX outsourcing); (3) Specialized advisory services for ESPP/Stock Options management and Registros Eletrônicos (Banco Central do Brasil electronic declarations); and (4) Transaction types including Remessa, Ouro, and Espécie. The company is authorized by the Banco Central do Brasil (accredited since May 11, 1992) and is currently developing a virtual exchange store mobile app for registered clients.
Differentiator
Problem solved
Functional benefit
Products and services
- Câmbio Turismo Foreign currency buying and selling services for individual travelers, offering competitive exchange rates, the largest variety of currencies, and a delivery service covering São Paulo capital. For individual consumers planning international trips.
- Intermediação Foreign exchange intermediation services for businesses, with a specialized trading desk that monitors currency fluctuations minute-by-minute to help companies time optimal exchange-rate closures. For companies executing business FX operations.
- Transferências Internacionais International money transfer services authorized by the Banco Central do Brasil, enabling send/receive of funds, international service payments, imports and exports, with a per-operation limit of USD 500,000. For individuals and businesses executing cross-border payments.
- Outsourcing Partial or complete outsourcing of corporate foreign exchange operations for large companies, providing full control and transparency in international transactions, physical audits, and integration with client accounting systems. For large companies with significant international operations.
- ESPP / Stock Options Plans Advisory and total management services for Employee Stock Purchase Plans (ESPP) and Stock Options, including plan implementation, action sales support, and W-8BEN form assistance, backed by 26 years of market experience and exclusive proprietary software. For multinational corporations offering equity compensation in Brazil.
- Registros Eletrônicos Consulting services for electronic declarations and international financial records with the Banco Central do Brasil, including SCE-Crédito/IED, CENSO de Capitais Estrangeiros, CDNR, DEF, CBE, and periodic quarterly/annual/quinquennial declarations. For companies and individuals with foreign investment, Brazilian capital abroad, or other international financial operations.
Quantifiable outcome
- USD 500,000 maximum transfer limit per operation as authorized by the Central Bank of Brazil
- +3 more outcomes
Companies that use Intercam
Customer profileSegments4 records
Ideal customer profiles4 records
Intercam technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Intercam partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- ABRACAM - Associação Brasileira de CâmbiocoreIntercam is a member of ABRACAM (Brazilian Foreign Exchange Association), participating in the shared ombudsman system. This membership provides the SELO ABRACAM DE CONFORMIDADE compliance certification, demonstrating alignment with Central Bank of Brazil regulations including Circular 3.978/2020 on anti-money laundering and counter-terrorism financing. The relationship involves adherence to ABRACAM's Code of Ethics and Conduct, with Intercam actively participating in all association norms and principles.
Scale indicators5 records
Recent moves4 records
Expansion highlights3 records
Intercam competitors and assessment
Company assessmentDirect peers
- Confidence Câmbio: One of Brazil's largest FX brokerage firms, operating tourist exchange, international transfers, and corporate FX services. Directly comparable as a licensed Banco Central câmbio operator serving both consumer and corporate segments.
- Cotação Câmbio (formerly EFB): Brazilian FX broker offering tourism exchange, international remittances, and corporate FX solutions. Comparable in product mix, regulatory status, and B2B/B2C segment focus.
- Câmbio Expresso: Brazilian FX brokerage offering tourist exchange, international remittances, and corporate FX services. Directly comparable as a regulated câmbio operator serving similar consumer and SME segments.
Emerging players
- Remessa Online: Brazilian digital-first FX and remittance platform with strong nationwide consumer brand. Comparable as a competing channel for consumer FX and international transfers, but with a fully digital model versus Intercam's physical-led approach.
- Nomad: Brazilian fintech offering multi-currency accounts, international transfers, and prepaid dollar cards. Comparable in serving Brazilian consumers needing FX services, but competes primarily through digital UX rather than in-person service.
- Wise (Brazil): Global digital remittance and multi-currency platform serving Brazilian consumers and businesses. Comparable in international transfer services with transparent pricing model that pressures traditional FX broker spreads.
Broad incumbents
- Travelex (Brazil): Global FX leader with Brazilian operations offering tourist currency exchange and international transfers. Comparable in regulated FX brokerage services with global brand reach that Intercam lacks.
- Western Union (Brazil): Global remittance and FX giant with established Brazil presence. Comparable in consumer international money transfer segment, with significantly larger scale and global agent network.
- Banco Inter: Brazilian digital bank offering multi-currency accounts, international transfers, and FX services. Comparable in serving Brazilian consumers and SMEs needing FX and remittance services, with broader banking product set.
- Computershare: Global leader in employee equity plan administration (including ESPP and stock options). Comparable in serving the corporate ESPP/Stock Options administration niche where Intercam has built 26 years of expertise, but with global scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Intercam social profiles
Digital presenceIntercam financial estimates
Financial estimateRevenue estimate
Valuation estimate
Intercam leadership team
Management profileNumber of profiles
Intercam funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Intercam M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Intercam
What does Intercam do?
Intercam is a Brazilian foreign exchange brokerage firm accredited by the Central Bank of Brazil that buys and sells foreign currency, executes international money transfers (up to USD 500,000 per operation), provides corporate FX intermediation and outsourcing, manages Employee Stock Purchase Plans (ESPP) and Stock Options for multinationals, and offers consulting for Central Bank electronic declarations. Its offerings span individual travelers (tourism currency, prepaid cards) and large corporate clients (FX outsourcing, ESPP advisory, regulatory declarations).
Is Intercam a public or private company?
Intercam is a private company. It is classified as family owned and is currently operating.
When was Intercam founded?
Intercam was founded in 1943. It employs 101 to 250 people.
Where is Intercam based?
Intercam is headquartered in São Paulo, Brazil, in the Latin America region.
How does Intercam make money?
Five revenue lines are on record. Currency Exchange Margins are the primary driver. The others are ESPP and Stock Options Advisory, electronic Registrations Consulting, foreign Exchange Outsourcing and international Transfers.
Who are Intercam's main competitors?
Direct peers on record are Confidence Câmbio, Cotação Câmbio (formerly EFB) and Câmbio Expresso. Emerging players are Remessa Online, Nomad and Wise (Brazil). Broad incumbents are Travelex (Brazil), Western Union (Brazil), Banco Inter and Computershare.
Does Intercam have an API?
No public API is recorded for Intercam.