#exterior

Debit or credit abroad: when each one wins (the real math)

Credit pays 3.5% IOF (Brazilian foreign exchange tax), debit pays 1.1% — but that calculation alone decides nothing. Bank spread, foreign ATM fee, revolving credit interest, and hidden benefits (travel insurance, points, fraud dispute) change the result. This guide does the real math, compares a R$ 500 withdrawal against a R$ 500 credit purchase, and shows which scenario each wins. No magic formula. Just numbers.

Curadoria Voyspark · May 11