DayCâmbio

Name

DayCâmbio

Legal name

DayCâmbio Casa de Câmbio

Website

https://daycambio.com.br

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Currency Exchange Services

NAICS

Travel Arrangement and Reservation Services (5615), Other Travel Arrangement and Reservation Services (56159)

SIC

Finance Services (6199)

akta.pro primary industry

Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE)

akta.pro secondary industries

Alternative Payments & Digital Wallet Acceptance (A2A, RTP, wallets) (THALAHAH), Travel Expense, Reconciliation & ERP/AP Automation (THALAHAI), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Currency exchange services
• Foreign currency trading
• International remittances
• Prepaid travel cards
• Travel financial services

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Currency Exchange Spreads: Revenue generated from spreads between buy and sell rates for foreign currency transactions including cash, prepaid cards, and global accounts.
2. Conta Global Account Fees: IOF fees (3.5% for tourism/disponibilidade, 1.1% for investment), conversion spreads (2.5%), inactivity fees (USD 2.50/month), and card replacement fees.
3. International Remittances: Fees from DayPay Express remittance services via Western Union network, international transfers via SWIFT/BIC/IBAN, and international check processing.
4. Travel Insurance Commissions: Commissions from selling Daycoval Seguro Viagem policies underwritten by Generali Seguros, with coverage from USD 20,000 and pricing starting at USD 2.50/day.
5. International SIM Cards: Revenue from DayEsim eSIM and physical SIM card sales for international data plans in Europe, USA, and Global coverage.
6. Package Shipping Services: Commissions and fees from facilitating international shipping through DHL, FedEx, and UPS partnerships via DayEnvios service.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

DayCâmbio is a Brazilian retail currency exchange network (Casa de Câmbio) operating 80+ physical stores across 20+ state capitals and 50+ cities as a Correspondent Cambial of Banco Daycoval S.A. The company sells physical foreign currency in 20+ denominations, issues international prepaid Visa travel cards and Mastercard debit cards, operates an interest-bearing international digital account (Conta Global Remunerada) in USD/EUR with 3% annual yield, and facilitates international remittances through Western Union, SWIFT wire transfers, and international check cashing. Complementary travel services include Generali-underwritten travel insurance, DayEsim international eSIM/data plans, and DayEnvios courier services via DHL, FedEx, and UPS.

Product overview

DayCâmbio is a foreign exchange retail network operated as a Correspondent Cambial of Banco Daycoval, offering currency exchange and international financial services across 80+ physical stores in Brazil. The product portfolio centers on four core service areas: (1) Currency Exchange — Moedas em Espécie for physical currency in 20+ denominations; (2) International Digital Banking — the Conta Global Remunerada interest-bearing USD/EUR account paired with the Visa Travel Money (VTM) prepaid card and Mastercard debit card; (3) International Remittances — DayPay Express via Western Union for cash-to-cash transfers under 20 minutes, plus SWIFT/BIC/IBAN wire transfers and international check cashing; and (4) Travel Essentials — Daycoval Seguro Viagem (Generali-backed travel insurance), DayEsim international eSIM/physical SIM data plans, and DayEnvios courier services through DHL/FedEx/UPS. The ecosystem is unified under the Banco Daycoval brand, with services accessible in-store, online, via WhatsApp, and telephone.

Differentiator

Problem solved

Functional benefit

Brands

• DayPay: International remittance express service via Western Union network, enabling cash-to-cash transfers to 200+ countries within minutes.
• Conta Global Remunerada Daycoval
• DayEsim
• Daycoval Seguro Viagem
• DayEnvios

Products and services

• Moedas em Espécie (Physical Foreign Currency) Physical foreign currency exchange service offering 20+ currency types (USD, EUR, GBP, CAD, AUD, and Latin American, European, Asian, African, and Oceanian currencies) for immediate delivery or pre-order at 80+ stores across Brazil.
• Conta Global Remunerada Daycoval International digital bank account in USD and EUR that earns 3% annual interest, allows debit, withdrawals, and purchases in 210+ countries, with instant Mastercard card issuance and 24/7 support.
• Cartão Pré-Pago Viagem Daycoval Visa Travel Money (VTM) Reloadable prepaid travel card in USD, EUR, GBP, CAD, and AUD with chip and PIN security, accepted at millions of Visa merchants and 1+ million ATMs worldwide.
• DayPay Express (Western Union Remittances) Express international remittance service via Western Union enabling cash-to-cash transfers arriving in under 20 minutes at 500,000+ pickup points across 200+ countries.
• Pagamentos e Transferências Internacionais Banking channel for international payments and wire transfers via SWIFT/BIC/IBAN for individuals and companies, including import/export, supplier payments, and investment transfers.
• Cheque Internacional (International Check Cashing) Service for cashing international USD checks from abroad including pensions, tax refunds, inheritances, and commissions through Banco Daycoval analysis and approval.
• Daycoval Seguro Viagem Travel insurance underwritten by Generali Seguros offering medical, hospital, dental, baggage, flight cancellation coverage, and COVID protection starting at USD 2.50/day with 24/7 Portuguese support.
• DayEsim (International eSIM) International eSIM and physical SIM card offering 4G/5G data plans in 100+ countries with instant activation via QR code and 24/7 Portuguese support, available in Europa, USA, and Global plans from R$100.
• DayEnvios (DHL, FedEx, UPS Shipping) International and domestic courier service through DHL, FedEx, and UPS partnerships covering 200+ countries for packages, documents, clothing, cosmetics, and medications.

Quantifiable outcome

• 3% p.a. returns on Conta Global Remunerada in USD and EUR
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and major.

• Western UnioncoreStrategic or Co-development PartnerDayCâmbio operates as an official agent and service point for Western Union international remittances. Customers can send money to 500,000+ pickup locations in 200+ countries via DayPay Express and receive Western Union transfers at any DayCâmbio store.
• Generali SeguroscoreChannel Partner/ Reseller/ DistributorDaycoval Seguro Viagem is underwritten by Generali Seguros, described as the world's largest commercial open-capital insurance company. DayCâmbio distributes travel insurance policies as retail agent.
• DHLmajorChannel Partner/ Reseller/ DistributorDayCâmbio serves as a partner location for DHL international package and document shipping services, leveraging its network of 380,000+ employees across 220+ countries.
• FedExmajorChannel Partner/ Reseller/ DistributorDayCâmbio offers FedEx international shipping services through its store network. FedEx operates 700+ aircraft and 80,000+ vehicles delivering from 375 airports to 220+ countries.
• UPSmajorChannel Partner/ Reseller/ DistributorDayCâmbio provides UPS international shipping services. UPS delivers 14+ million packages daily to 200+ countries worldwide.
• MastercardcoreTechnology or IntegrationConta Global Remunerada issues Mastercard International debit cards accepted in 210+ countries. Cards include chip and contactless payment technology with Apple Pay and Google Pay wallet support.
• VisacoreTechnology or IntegrationPrepaid Travel Cards operate on Visa Plus network enabling ATM withdrawals at 1+ million ATMs worldwide and purchases at millions of merchants across 200+ countries.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Confidence Câmbio: Confidence Câmbio is one of Brazil's largest casa de câmbio networks, offering physical currency exchange, prepaid travel cards, and international remittances directly competing with DayCâmbio across Brazilian retail locations.
• Câmbio Online: Câmbio Online is a Brazilian online currency exchange platform offering USD/EUR trading with delivery, targeting the same individual traveler and SMB segments as DayCâmbio's online simulator.

Broad incumbents

• Wise (formerly TransferWise): Wise is a global multi-currency account and cross-border payments platform operating in Brazil, competing with DayCâmbio on retail FX, remittances, and multi-currency accounts with a digital-only model.
• Travelex: Travelex is the world's largest retail foreign exchange bureau operator, offering cash exchange, prepaid travel cards, and international money transfers analogous to DayCâmbio's core FX and card products, but with global rather than Brazilian focus.
• MoneyGram: MoneyGram is a global cross-border P2P payments and money transfer operator with retail agent locations in Brazil, comparable to DayCâmbio's DayPay Express remittance service in terms of consumer value proposition.
• Banco Inter: Banco Inter is a large Brazilian digital bank offering currency exchange, international transfers, and global account products that overlap with DayCâmbio's Conta Global Remunerada and SWIFT-based payment services.
• Western Union (Brazil retail): Western Union operates its own retail remittance agent network in Brazil and globally; DayCâmbio is also a Western Union agent, making Western Union both a partner and an indirect competitive benchmark for remittance volume and pricing.

Emerging players

• Remessa Online: Remessa Online is a Brazilian digital cross-border payments platform for individuals and businesses, competing with DayCâmbio's DayPay Express and SWIFT/IBAN international transfer services on price and speed.
• Nomad (Brasil): Nomad is a Brazilian digital global account platform offering USD/EUR accounts, prepaid cards, and remittances, directly competing with DayCâmbio's Conta Global Remunerada but without a physical retail network.
• C6 Bank (Árvore Travel): C6 Bank is a Brazilian digital bank offering global USD accounts and travel cards (via its Árvore partnership) targeting international travelers, partially overlapping with DayCâmbio's card and FX offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/daycambio

Compliance3 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 DayCâmbio