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The Ruvo Card, accepted anywhere Visa is accepted.

Use your Ruvo balance to spend dollars worldwide, online or in-store, with no IOF, no hidden fees, and no FX markup on dollar spend.
Ruvo debit cards floating among orbital rings
Hand holding a phone showing the Ruvo card in Apple Wallet ready for contactless paymentHand holding a phone showing the Ruvo card in Apple Wallet ready for contactless payment

See how your Ruvo Card works

Fund your balance, load your card, and spend worldwide — all from your Ruvo wallet

Top up

Add BRL, USD, or crypto to your Ruvo wallet — instantly converted to digital dollars behind the scenes

Activate

Choose how much of your wallet balance you want available on your Ruvo Card.

Spend

Use your Ruvo Card anywhere with Apple Pay and Google Pay, with no FX markup on dollar spend or IOF.

Top up

Add BRL, USD, or crypto to your Ruvo wallet — instantly converted to digital dollars behind the scenes

Activate

Choose how much of your wallet balance you want available on your Ruvo Card.

Spend

Use your Ruvo Card anywhere with Apple Pay and Google Pay, with no FX markup on dollar spend or IOF.

Valor Econômico feature on Ruvo app and card
Article

Get digital dollars with Pix and spend on your card with 0% IOF on dollar purchases

By Valor Econômico

Ruvo uses Pix as the on-ramp to a global account in digital dollars, spent from your dollar balance with 0% IOF on dollar purchases. “We made Pix international. You can send a Pix and immediately transfer dollars to any US account, or spend in dollars,” says co-founder and CEO Alec Howard.

Continue reading

Learn more about Ruvo's global accounts

For professionals, businesses and CNPJs

Move money as fast as you work.

For individuals, freelancers, and travelers

Travel smart.
Spend without borders.

Card FAQs

Common questions about using your Ruvo card

Yes. Ruvo provides a card for everyday spending, anywhere Visa is accepted. The card is secured by your balance, so your spending limit is simply the funds you hold in your account.
The Ruvo card is a secured credit card. You move funds to your card balance, which sets your available credit. When you spend, your balance is used rather than paying a bill later.
The Ruvo card is accepted anywhere Visa is accepted worldwide — online, in-store, and through digital wallets.
Yes. The Ruvo card works with both Apple Pay and Google Pay for contactless and online payments.
There are no fees on USD transactions. Purchases in other currencies incur a 1% foreign transaction fee plus the applicable exchange rate.
No. IOF is not charged because the Ruvo card is denominated in U.S. dollars.
Yes. You can add funds to your card balance before spending and withdraw any unused balance back to your Ruvo wallet at any time, so you’re never stuck with leftover funds.
Yes. You can view transactions in real time and freeze or unfreeze your card at any time directly in the app.
Ruvo currently supports Apple Pay and Google Pay. Physical cards are available upon request — contact support for details.

Ready to Ruvo?

Start using Ruvo today and take control of your money.

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© 2026 Ruvo Financial Inc. All rights reserved. Made in Brazil.
Ruvo is a global technology platform. Financial services are provided by regulated third parties. Ruvo does not custody funds or perform regulated activities in Brazil.