{"id":75511,"date":"2025-09-02T12:08:41","date_gmt":"2025-09-02T15:08:41","guid":{"rendered":"https:\/\/www.remessaonline.com.br\/blog\/?p=75511"},"modified":"2025-09-02T12:08:57","modified_gmt":"2025-09-02T15:08:57","slug":"dolar-comercial-dolar-turismo-entenda-diferenca","status":"publish","type":"post","link":"https:\/\/www.remessaonline.com.br\/blog\/dolar-comercial-dolar-turismo-entenda-diferenca\/","title":{"rendered":"Qual \u00e9 o d\u00f3lar verdadeiro? Diferen\u00e7as entre comercial, turismo e spread"},"content":{"rendered":"\n<p>Quando voc\u00ea acompanha o notici\u00e1rio ou pesquisa no Google, certamente j\u00e1 notou que a <a href=\"https:\/\/www.remessaonline.com.br\/cotacao\/cotacao-dolar\">cota\u00e7\u00e3o do d\u00f3lar<\/a> exibida nem sempre corresponde ao valor que voc\u00ea encontra ao <strong>comprar a moeda <\/strong>em uma casa de c\u00e2mbio ou banco. Essa diferen\u00e7a gera d\u00favidas em muita gente \u2014 afinal, qual \u00e9 o &#8220;verdadeiro&#8221; <strong>d\u00f3lar<\/strong>?<\/p>\n\n\n\n<p>No v\u00eddeo abaixo, o economista <strong>Alan Ghani<\/strong> explica de forma simples por que essas cota\u00e7\u00f5es variam e como isso impacta tanto empresas quanto pessoas f\u00edsicas.<\/p>\n\n\n\n<blockquote class=\"instagram-media\" data-instgrm-captioned data-instgrm-permalink=\"https:\/\/www.instagram.com\/reel\/DN6btFlkWmg\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/reel\/DN6btFlkWmg\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; 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font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">Ver essa foto no Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\"><\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/reel\/DN6btFlkWmg\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\" rel=\"noopener\">Uma publica\u00e7\u00e3o compartilhada por Alan Ghani (@alan_ghani)<\/a><\/p><\/div><\/blockquote>\n<script async src=\"\/\/www.instagram.com\/embed.js\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>D\u00f3lar comercial x d\u00f3lar turismo<\/strong><\/h2>\n\n\n\n<p>O primeiro ponto importante \u00e9 que existem <strong>duas cota\u00e7\u00f5es principais do d\u00f3lar<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00f3lar comercial<\/strong>: usado por empresas em transa\u00e7\u00f5es de importa\u00e7\u00e3o e exporta\u00e7\u00e3o.<\/li>\n\n\n\n<li><strong>D\u00f3lar turismo<\/strong>: aplicado quando uma pessoa compra a moeda para viajar ao exterior.<\/li>\n<\/ul>\n\n\n\n<p>Essas duas modalidades j\u00e1 ajudam a explicar por que o valor que voc\u00ea v\u00ea na TV (geralmente o <strong>d\u00f3lar comercial<\/strong>) n\u00e3o \u00e9 o mesmo que aparece na hora de comprar para a sua viagem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que \u00e9 o spread do d\u00f3lar?<\/h2>\n\n\n\n<p>Al\u00e9m da diferen\u00e7a entre os tipos de d\u00f3lar, existe outro fator: o <strong>spread<\/strong>. <a href=\"https:\/\/www.remessaonline.com.br\/blog\/o-que-e-o-spread\/\">Ele representa a margem entre o pre\u00e7o de compra e o pre\u00e7o de venda da moeda<\/a>.<\/p>\n\n\n\n<p>Funciona assim: se voc\u00ea compra o d\u00f3lar a R$ 5,50, dificilmente conseguir\u00e1 vend\u00ea-lo pelo mesmo valor. O pre\u00e7o de venda costuma ser menor, como R$ 5,40, por exemplo. Esse intervalo \u00e9 justamente o spread \u2014 a diferen\u00e7a que garante a remunera\u00e7\u00e3o das institui\u00e7\u00f5es que intermediam a opera\u00e7\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Como enviar dinheiro para o exterior <\/strong><\/h2>\n\n\n\n<p>Para quem precisa fazer remessas internacionais, seja para pagar cursos, investimentos ou at\u00e9 apoiar familiares, o ideal \u00e9 contar com uma plataforma que ofere\u00e7a seguran\u00e7a e transpar\u00eancia na cota\u00e7\u00e3o.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.remessaonline.com.br\/#simulacao\">A <strong>Remessa Online<\/strong> \u00e9 citada pelo Alan Ghani como uma op\u00e7\u00e3o confi\u00e1vel<\/a>, pois mostra claramente a taxa utilizada e o custo da opera\u00e7\u00e3o, sem surpresas na hora do envio.<\/p>\n\n\n\n<p>Entender a <strong>diferen\u00e7a entre d\u00f3lar comercial e d\u00f3lar turismo<\/strong>, al\u00e9m do impacto do spread, ajuda a tomar decis\u00f5es mais conscientes em opera\u00e7\u00f5es com a moeda americana. E se a ideia \u00e9 enviar dinheiro para fora do pa\u00eds, plataformas digitais como a <a href=\"https:\/\/www.remessaonline.com.br\/cadastro\">Remessa Online <\/a>tornam o processo mais simples, seguro e transparente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Perguntas frequentes <\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1756825484538\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Qual a diferen\u00e7a entre d\u00f3lar comercial e d\u00f3lar turismo?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>O d\u00f3lar comercial \u00e9 usado por empresas em transa\u00e7\u00f5es de importa\u00e7\u00e3o e exporta\u00e7\u00e3o. J\u00e1 o d\u00f3lar turismo \u00e9 a cota\u00e7\u00e3o aplicada a pessoas f\u00edsicas em viagens internacionais ou na compra de moeda em casas de c\u00e2mbio.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1756825491260\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Por que o d\u00f3lar da TV n\u00e3o \u00e9 o mesmo que eu pago na hora da compra?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Na TV, normalmente \u00e9 exibida a cota\u00e7\u00e3o do d\u00f3lar comercial. Para consumidores, aplica-se o d\u00f3lar turismo, que costuma ser mais alto devido a impostos e custos adicionais.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1756825512427\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>O que \u00e9 o spread do d\u00f3lar?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>O<strong> spread \u00e9 a diferen\u00e7a entre o pre\u00e7o de compra e de venda da moeda<\/strong>. Ele garante a remunera\u00e7\u00e3o das institui\u00e7\u00f5es financeiras que intermediam a opera\u00e7\u00e3o.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Entenda as cota\u00e7\u00f5es do d\u00f3lar e saiba como economizar nas transa\u00e7\u00f5es internacionais.<\/p>\n","protected":false},"author":107,"featured_media":75512,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[43374,43377],"tags":[64,32945,32886],"class_list":["post-75511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cambio-e-economia","category-moedas","tag-dolar","tag-economia","tag-mercado"],"acf":[],"taxonomy_info":{"category":[{"value":43374,"label":"C\u00e2mbio e economia"},{"value":43377,"label":"Moedas"}],"post_tag":[{"value":64,"label":"D\u00f3lar"},{"value":32945,"label":"Economia"},{"value":32886,"label":"Mercado"}]},"featured_image_src_large":["https:\/\/www.remessaonline.com.br\/blog\/wp-content\/uploads\/2025\/09\/dolar-comercial-turismo-o-que-e-spread-1024x768.avif",1024,768,true],"author_info":{"display_name":"Alan Ghani","author_link":"https:\/\/www.remessaonline.com.br\/blog\/author\/alan-ghani\/"},"comment_info":0,"category_info":[{"term_id":43374,"name":"C\u00e2mbio e economia","slug":"cambio-e-economia","term_group":0,"term_taxonomy_id":43374,"taxonomy":"category","description":"Acompanhe not\u00edcias, an\u00e1lises e tend\u00eancias sobre economia, finan\u00e7as e c\u00e2mbio para decis\u00f5es informadas no Brasil e no exterior.","parent":0,"count":4074,"filter":"raw","term_order":"0","cat_ID":43374,"category_count":4074,"category_description":"Acompanhe not\u00edcias, an\u00e1lises e tend\u00eancias sobre economia, finan\u00e7as e c\u00e2mbio para decis\u00f5es informadas no Brasil e no exterior.","cat_name":"C\u00e2mbio e economia","category_nicename":"cambio-e-economia","category_parent":0},{"term_id":43377,"name":"Moedas","slug":"moedas","term_group":0,"term_taxonomy_id":43377,"taxonomy":"category","description":"Not\u00edcias, an\u00e1lises e cota\u00e7\u00f5es de moedas nacionais e internacionais, com foco em opera\u00e7\u00f5es de c\u00e2mbio e investimentos.","parent":43374,"count":2685,"filter":"raw","term_order":"0","cat_ID":43377,"category_count":2685,"category_description":"Not\u00edcias, an\u00e1lises e cota\u00e7\u00f5es de moedas nacionais e internacionais, com foco em opera\u00e7\u00f5es de c\u00e2mbio e investimentos.","cat_name":"Moedas","category_nicename":"moedas","category_parent":43374}],"tag_info":[{"term_id":64,"name":"D\u00f3lar","slug":"dolar","term_group":0,"term_taxonomy_id":64,"taxonomy":"post_tag","description":"","parent":0,"count":3517,"filter":"raw","term_order":"0"},{"term_id":32945,"name":"Economia","slug":"economia","term_group":0,"term_taxonomy_id":32945,"taxonomy":"post_tag","description":"","parent":0,"count":2695,"filter":"raw","term_order":"0"},{"term_id":32886,"name":"Mercado","slug":"mercado","term_group":0,"term_taxonomy_id":32886,"taxonomy":"post_tag","description":"","parent":0,"count":3844,"filter":"raw","term_order":"0"}],"_links":{"self":[{"href":"https:\/\/www.remessaonline.com.br\/blog\/wp-json\/wp\/v2\/posts\/75511","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.remessaonline.com.br\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.remessaonline.com.br\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.remessaonline.com.br\/blog\/wp-json\/wp\/v2\/users\/107"}],"replies":[{"embeddable":true,"href":"https:\/\/www.remessaonline.com.br\/blog\/wp-json\/wp\/v2\/comments?post=75511"}],"version-history":[{"count":0,"href":"https:\/\/www.remessaonline.com.br\/blog\/wp-json\/wp\/v2\/posts\/75511\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.remessaonline.com.br\/blog\/wp-json\/wp\/v2\/media\/75512"}],"wp:attachment":[{"href":"https:\/\/www.remessaonline.com.br\/blog\/wp-json\/wp\/v2\/media?parent=75511"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.remessaonline.com.br\/blog\/wp-json\/wp\/v2\/categories?post=75511"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.remessaonline.com.br\/blog\/wp-json\/wp\/v2\/tags?post=75511"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}