SINGRATUR CÂMBIO E TURISMO

What SINGRATUR CÂMBIO E TURISMO does

Singratur Câmbio e Turismo is a privately held Brazilian Corretora de Câmbio (currency exchange broker) and travel agency founded in 1985 by Alberto Haddad in Maringá, Paraná, operating under Banco Central do Brasil authorization. The company serves individual travelers, the Brazilian diaspora, and small-to-medium corporate clients (Pessoa Jurídica) from two physical locations — its main branch on Rua Nassib Haddad in Zona 04 and the Aerocâmbio kiosk at Aeroporto Regional de Maringá — supplemented by phone, WhatsApp, and an online rate-simulation and purchase platform at singratur.com.br.

The core offering is a bundle of four transactional product lines: (1) cash foreign currency exchange in USD, EUR, GBP, and Argentine Peso, with posted rates including IOF tax (e.g., USD R$5.40+, EUR R$6.17+, GBP R$7.30+ as of 03/07/2026); (2) the Money Card, a rechargeable Visa Travel Money prepaid card issued in six currencies (USD, CAD, AUD, NZD, EUR, GBP) with 24-hour loss/theft assistance; (3) international remittances via the MoneyGram network, operated as a correspondent of Banco Ourinvest since 2018, reaching 200+ countries at a flat R$200 per operation; and (4) tourism services (flights, hotels, vacation packages, travel insurance, cruises) under a separate sub-brand. The technology stack is a basic web platform for rate simulation and customer registration integrated with Banco Central reporting and PLDFT (anti-money laundering) compliance systems, with no disclosed proprietary models, APIs, or developer-facing products.

The business model is purely transactional fee-based. Revenue is generated from FX spreads plus IOF pass-through (0.38%), MoneyGram transfer fees (R$200 flat), prepaid card issuance and load fees, and travel-agency commissions on bookings. The company markets via WhatsApp, phone, Facebook, Instagram, and email newsletter, with active customer service in Portuguese. Operating geographies are domestic (Brazil), though the remittance and card products enable cross-border reach to 200+ countries on the receiving side. Compliance is a central operational pillar: Singratur maintains a PLDFT policy under Circular 3.461 and Law 9.613/98, a Social/Environmental/Climate Responsibility policy, a Cyber Security Policy (published 2026), and semi-annual Ombudsman and Suspicious Activity Indication Reports covering 2024–2025.

Name

SINGRATUR CÂMBIO E TURISMO

Legal name

Singratur câmbio e turismo

Website

https://singratur.com.br

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

1–10 employees

Short description

Singratur Câmbio e Turismo is a Banco Central-authorized currency exchange broker and travel agency in Maringá, Brazil, founded in 1985, offering foreign cash exchange (USD/EUR/GBP), Visa prepaid cards, MoneyGram remittances, and tourism services to individual travelers and small businesses in the Maringá region.

Ownership category

akta.pro rank

Product category

Currency Exchange & Travel Services

NAICS

Travel Agencies (561510)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

Consumer P2P International Remittances (FSAGAKAA), Travel Money Cards & Multi-Currency Prepaid (FSAMANAI)

Keywords

• Currency exchange services
• International money transfers
• Prepaid travel cards
• Travel agency services
• Foreign currency trading

Headquarters

HQ city

Maringá

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Marketing or Sales, Others

Revenue model

1. Currency Exchange (Compra e Venda de Moeda Estrangeira): Revenue from buying and selling foreign currency (USD, EUR, GBP, Argentine Peso) to individuals and businesses for travel and international transactions. Includes IOF tax (0.38%) and operational margins.
2. International Remittances and MoneyGram: International money transfer services through MoneyGram partnership. Revenue from transfer fees (R$ 200.00 per operation) plus exchange rate margins. Transfers to 200+ countries.
3. Money Card (Prepaid Travel Card): Sale and reload of Visa Travel Money prepaid cards in multiple currencies (USD, CAD, AUD, NZD, EUR, GBP). Revenue from card issuance and loading fees.
4. Tourism Services: Travel agency services including flight bookings, hotel reservations, vacation packages, travel insurance, and cruise packages. Revenue from commissions and package margins.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Singratur is a Corretora de Câmbio authorized by Banco Central do Brasil that buys and sells foreign currency (USD, EUR, GBP, Argentine Peso) in cash, issues and reloads Visa Travel Money prepaid cards in multiple currencies, and processes MoneyGram international money transfers to 200+ countries through a partnership with Banco Ourinvest. The company also operates a parallel travel agency (turismo) offering flight, hotel, vacation package bookings, and travel insurance, plus an airport currency exchange kiosk (Aerocâmbio) at Maringá Regional Airport.

Product overview

Singratur Câmbio e Turismo is a currency exchange broker and travel agency operating as a unified service offering. The company operates two main divisions: currency exchange services (câmbio) including foreign currency cash exchange, prepaid travel cards, international remittances via MoneyGram, and airport currency exchange; and tourism services (turismo) offering hotel bookings, flight tickets, vacation packages, and travel insurance. Founded in 1985 in Maringá, PR, the company is authorized by the Banco Central do Brasil and serves both individual and corporate clients.

Differentiator

Problem solved

Functional benefit

Brands

• Aerocâmbio: Currency exchange service at Aeroporto Regional de Maringá
• Money Card
• MoneyGram

Products and services

• Moeda Estrangeira em Espécie Purchase and sale of foreign currency in cash for physical and legal persons for international travel and business purposes. Supports transactions in US Dollar, Euro, British Pound, and Argentine Peso with online rate simulation and IOF tax (0.38%) included in published rates.
• Money Card (Cartão Pré-Pago Visa Travel Money) International rechargeable prepaid Visa Travel Money card for purchases at Visa-accepting merchants and ATM withdrawals worldwide. Available in USD, CAD, AUD, NZD, EUR, and GBP with 24-hour assistance for loss or theft.
• Remessas Internacionais e MoneyGram International money transfer service enabling clients to send or receive international transfers with speed, transparency, and security via the MoneyGram network. Includes MoneyGram partnership for transfers to over 200 countries at a fixed fee of R$200 per operation.
• Aerocâmbio Currency exchange services operated at Maringá Regional Airport (Aeroporto Regional de Maringá) and Singratur branch locations, providing cash currency exchange and international transfer services for departing travelers.
• Correspondente (Correspondent Banking) Correspondent banking service for international financial transactions, including MoneyGram transfers, operated under the partnership with Banco Ourinvest established in 2018.
• Turismo (Travel Agency) Travel agency services offering hotel bookings, airline tickets, vacation packages, travel insurance, and vacation promotions to various domestic and international destinations. Service is delivered through phone/WhatsApp consultation and in-person meetings.

Quantifiable outcome

• MoneyGram transfers available to over 200 countries
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

One partnership is on record.

• Banco OurinvestcoreChannel Partner/ Reseller/ Distributor · 1 January 2018Singratur formed a partnership with Banco Ourinvest in 2018 to serve as a correspondent for sending/receiving international money transfers through the MoneyGram system. This partnership enables Singratur customers to send money to over 200 countries worldwide through the MoneyGram network.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Wise: Digital cross-border payments platform offering multi-currency accounts and low-cost international transfers. Competes with Singratur's MoneyGram remittance and FX businesses through a fully digital, lower-spread model.
• Remitly: Digital-first international remittance provider. Direct substitute for Singratur's MoneyGram send/receive service, particularly for the Brazilian diaspora sending money into or out of Brazil, with mobile-first UX.

Broad incumbents

• Travelex: Global foreign currency exchange specialist with airport and branch presence. Comparable in core FX/cash exchange business, particularly relevant for Singratur's Aerocâmbio airport kiosk model, though much larger and globally distributed.
• Nubank: Brazil's largest digital bank, which now offers international accounts, FX, prepaid card, and remittance features in-app. Overlaps with Singratur's prepaid card and remittance offerings at scale and with a digital UX that competes for younger customers.
• Western Union: Global leader in cross-border consumer money transfers operating through agent networks, including Brazilian correspondents. Comparable to Singratur's MoneyGram remittance business, but at vastly larger scale and with its own digital direct-to-consumer channel.

Direct peers

• Confidence Câmbio: Brazilian Corretora de Câmbio chain offering foreign currency cash exchange, prepaid travel cards, and international remittances. Closest direct comparable in business model (BCB-authorized currency exchange broker with retail footprint and physical branches).
• MoneyGram: Cross-border P2P money transfer network that Singratur accesses as a correspondent via Banco Ourinvest. Operates the same remittance infrastructure that drives a meaningful share of Singratur's revenue, increasingly in competition with its own agents via digital channels.
• CVC Turismo: Brazil's largest retail travel agency offering flights, hotels, vacation packages, and travel insurance. Comparable to Singratur's Turismo division (flights, hotels, packages, cruise, travel insurance), though CVC operates nationally while Singratur is regionally focused.
• Decolar: Leading Brazilian/ Latin American online travel agency (Despegar subsidiary) selling flights, hotels, and packages. Direct competitor in Singratur's travel agency division, but operating via an online OTA model versus Singratur's phone/WhatsApp/in-person approach.

Others

• Banco Ourinvest: Singratur's correspondent bank partner since 2018, providing the regulated access to the MoneyGram network. Strategic partner rather than competitor; included to reflect Singratur's partnership-driven distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/singraturcambio
• Instagraminstagram.com/singraturcambio
• Xx.com/singratur
• LinkedInlinkedin.com/company/singratur

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SINGRATUR CÂMBIO E TURISMO