Pay the world
in minutes.
Not days.
One account that runs your entire money operation — at home and across borders. Pay suppliers and invoices in dozens of countries in local currency, get paid by PIX and from abroad, settle bills and boletos, and convert reais and dollars at a locked rate — from your phone, in minutes, with no IOF. Built for companies first; individuals welcome too.
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One account. Every payment
your business makes.
Kigar replaces the tangle of bank wires, FX desks and paperwork with a single account you run from your phone — fund it in seconds, pay partners across borders in their own currency, get paid at home and abroad, convert on a locked rate, and keep a clean record of every movement.
Pay suppliers & invoices abroad
Send to bank accounts in dozens of countries — US, Eurozone, UK, Mexico, Argentina, Chile, China and more — delivered in local currency, usually in minutes. See amount, fee and total before you confirm.
Get paid — at home and abroad
Add reais instantly by PIX with a QR or copy-and-paste code, credited automatically on confirm. To receive from overseas, get a dedicated address and funds land straight in your account.
Pay by PIX, bills & boletos
Send PIX by CPF, CNPJ, email, phone or key — or scan a QR to pay a bill or boleto. Kigar reads the amount, then shows fee, total and balance before you pay.
Convert reais and dollars
Move between reais and dollars at the real market rate, with our fee shown clearly on its own line before you confirm — updating live as you type.
Customs-ready proof for importers
Every international invoice payment generates a retrievable record — company, purpose, beneficiary, corridor and reference — proof of settlement to support customs clearance and the release of imported goods.
Receipts and a full statement
Every deposit, payment, transfer and conversion produces a clear receipt that reconciles total, fee and net — open any of them from a full statement you can filter by currency.
Pay across regions, delivered locally
Americas
United States, Mexico, Argentina and Chile — funded from your reais or dollars and delivered locally. In Brazil, add money and pay instantly by PIX.
Europe
Reach partners across the Eurozone and the United Kingdom, paying invoices in euros and pounds — the beneficiary receives in their own currency.
Asia & beyond
Settle with suppliers in China and across expanding corridors, so a factory payment lands in local currency — no chain of correspondent banks in between.
What a bank makes hard,
Kigar makes simple
Best rates, locked for your invoice
The real market rate with our fee shown clearly and separately — and when you pay an invoice, the rate is locked when you commit. The amount you agreed is the amount that settles, with no drift.
No IOF
Move across borders without the IOF that erodes a traditional bank transfer — kept out of the Kigar ecosystem by design.
Minutes, not days
PIX in and out is instant, and international payments settle in minutes — while a conventional wire is often still marked "processing".
Built global from day one
Onboard companies headquartered outside Brazil and individuals of any nationality, with the right ID handled automatically. A cross-border platform, not a local product bolted onto the world.
Compliance handled up front
Every account is identity-verified before it moves money — KYC for individuals, KYB for companies, PEP screening and payment-purpose capture — the standards your auditors expect.
Two passwords on every payment
Face ID or Touch ID unlocks the app, and a separate 6-digit transfer password confirms every money-out. Payments can't be sent by accident — or by anyone who just holds the phone.
Open your account in minutes
Company or individual, from anywhere — a few guided steps, verified once. You confirm your email at the very end, so you never leave setup half-finished.
- Choose your accountCompany (PJ) or individual (PF), Brazilian or international — the right ID is handled for you.
- Verify onceID, proof of address and a selfie; companies add incorporation documents. Reviewed in about one business day.
- Confirm & goConfirm your email at the end, then add money and start paying the world.
Run your money operation from your phone
Add money, pay suppliers and invoices worldwide, settle bills and boletos, and convert — in minutes, with no IOF. Open a verified account from the app in a few steps.
Good to know
Who is Kigar for?
Kigar is built company-first, for businesses that pay suppliers, partners and invoices at home and across borders. Individuals are welcome too — the same account handles both, with the right verification for each. You choose a company (PJ) or personal (PF) account at sign-up.
How fast can we open an account?
You open a company or individual account entirely from your phone in three guided steps — account type, identity and address — with no branch visit and no paperwork to mail. Brazilian addresses auto-fill from the postal code, so setup takes minutes, and verification documents are typically reviewed within one business day.
Can we open an account from outside Brazil?
Yes. Account opening supports companies headquartered outside Brazil and individuals of any nationality, switching automatically to the right identity document — such as a passport or foreign registration — instead of a local tax ID.
Which countries and currencies can we pay?
You hold reais and dollars, and can send to bank accounts in dozens of countries across the Americas, Europe and Asia — including the United States, the Eurozone, the United Kingdom, Mexico, Argentina, Chile and China — delivered to the beneficiary in their local currency. Coverage expands over time.
How does Kigar help importers with customs?
For companies paying an international invoice, Kigar keeps a retrievable transfer record with the sender company, payment purpose, beneficiary, corridor and reference. That documentation can be presented as proof of the settled payment to support customs clearance and the release of imported goods — proof generated directly from the payment.
Is there really no IOF?
Cross-border payments in the Kigar ecosystem are structured so they are not subject to IOF, unlike a traditional bank transfer. Availability and tax treatment can depend on your account and how you use it; the app always shows the fee and rate before you confirm.
How is my money protected?
Every account is identity-verified before it can move money. The app unlocks with Face ID or Touch ID, and every money-out — a PIX send, an international transfer, a bill payment or an external send — is protected by a separate 6-digit transfer password with lockout after repeated wrong attempts.
Is Kigar a bank?
Kigar is not a bank. Regulated banking, custody, currency exchange and settlement are provided by licensed partners, with institutional custody and full KYC / KYB verification. Kigar is the ecosystem that brings it all together in one app.