Move, spend and manage your money between Brazil and the world. Fees from 0.3%, no IOF.
Or use it in your browser at my.ruvo.com →Backed by leading global investors
Personal and business
Who was Ruvo made for?
Businesses
For Global Workers, SMBs and Startups doing business with the world. Receive, pay and manage dollars in one place, with fees from 0.3% and 0% IOF.
Explore the business account
Individual
For people with a life in more than one country, studying abroad or traveling often. Receive, hold and spend in foreign currency with no IOF, and earn on what you're not using.
Explore the personal accountWhy Ruvo
Everything you need between Brazil and the world
0% IOF, the real commercial rate, and money in your account in minutes. Here's what that means for you.
Save on international operations
0%IOF
Brazilian bank card3.5% IOF + 2–7% spread
Ruvo0% IOF · from 0.3%
In the press
Ruvo in the news
Brazil Journal
Ruvo, the ex-Uber founder's fintech that makes 'Pix' work between Brazil and the US
“Billions of reais are lost to unfavorable exchange rates, hidden fees and outdated infrastructure. (...) Using stablecoins, payment is nearly instant, like Pix.”
Continue reading →
Exame
The American ex-Uber exec who was wowed by Pix in Brazil and built a R$ 1 billion fintech
“Someone bought me a coconut with Pix and I was blown away. I couldn't believe how much things had changed.”
Continue reading →
Customers
Real stories from people who chose Ruvo
People who already use Ruvo, in their own words
Fast, simple and direct
I can receive my payments from the US easily with very little bureaucracy. Once the money arrives, I can transfer it instantly to my bank account via Pix. Super simple.
They're always listening to user feedback and releasing new features frequently, which shows they really care about improving the product.
Overall, I'm loving the app! I highly recommend it for anyone who wants to simplify receiving international payments.
Gguscsales
Let me focus on what really matters
When you're building a company, you want to focus on your customers, on building your product.
What you don't want to focus on is the bureaucracy — making transactions, thinking about the fees you have to pay, and so on.
Ruvo took that headache off my plate so I can focus on what matters: my business. And that's essential to me.
JAJoão Alvarenga
Security
Your money, safe and under your control
Only you can access your balance, you see every fee before confirming, and there's always a person from Ruvo on the other side.
Only you can access your money. Not even Ruvo.
Self-custodial account: no one can move it on your behalf, not even Ruvo.
See how it worksYou can withdraw everything, anytime, without asking anyone.
Regulated partners in the US and Brazil. In Brazil, the rails that move money, like Pix, are regulated by the Central Bank.
The real commercial rate and the final amount on screen before you confirm.
Human support in every conversation, start to finish.
Pricing
What it really costs
Fees from 0.5% for individuals and 0.3% for businesses. No hidden markup.
Receive in reais, send to any bank in the world, or spend on your card, all from your digital dollar balance.
No markupsNo IOF
See what you pay — and why
Keeping your money as digital dollars in your Ruvo balance costs 0.5%, and from there you can already spend on the card, send via Pix, or convert to reais whenever you want!
Frequently asked questions
We're always here to help, with simple, fast, and reliable answers.
What is Ruvo?
Ruvo puts your global financial life in one app: receive dollars, convert to BRL via Pix, send funds to the U.S., and spend anywhere with a Ruvo card.
See more questionsHow much does Ruvo cost?
Receiving from abroad and transfers between Ruvo accounts are free. Reais to dollars: 0.5%. Dollars to reais via Pix: 0.9% (individuals) or 0.3% (businesses). Sending to a US account: 0.5% by ACH, or 0.5% + $15 by Wire. Card: no fee on dollar purchases, 1% in other currencies. IOF: always 0%. The app shows every fee before you confirm.
See more questionsHow does 0% IOF work?
Your purchases and transfers on Ruvo run on digital dollars, which aren't subject to IOF. You only pay the transaction fee, shown on screen before you confirm. As with any tax rule, this is subject to current regulation. Learn more about 0% IOF.
See more questionsIs my money safe? Who can access it?
Only you. Your balance sits in an account only you control, and not even Ruvo can move it. Behind the scenes, we work with regulated banking and payment partners and end-to-end encryption on your data.
See more questionsIs Ruvo a bank? Where is my money held?
Ruvo is a technology platform, not a bank. Your account is self-custodial: your money isn't held by Ruvo, it sits as digital dollars in a wallet only you control and move, and not even Ruvo has access. Regulated services run through licensed partners.
See more questionsOpen a personal or business account
Everything you need to send, receive, and manage money globally. No hassle, and none of the abusive fees of traditional banks.
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