Does the Ruvo card charge IOF?

No. The Ruvo card has 0% IOF on every transaction. On dollar purchases there is also no spread; on other currencies there is a 1% FX fee.

How is the card funded?

The card spends from your dollar balance. You can load it from reais (0.5%) or use the dollars you already received, with no IOF.

Where is the card accepted?

It is an international card, accepted at millions of merchants worldwide, online and in person.

Can I use the Ruvo card for SaaS and ad spend?

Yes. Paying dollar-denominated services like SaaS tools, AI products and ad platforms with the Ruvo card means 0% IOF and 0% spread, the same as travel.

Do I pay anything to receive dollars into my balance?

No. Receiving dollars via ACH or digital transfer is free. The 0.5% conversion fee only applies if you load from reais.

How does Ruvo compare to global accounts like Nomad?

The main difference is IOF. Nomad charges 1.1% IOF on conversion plus a spread. Ruvo keeps 0% IOF and 0% spread on dollar purchases, with a 0.5% conversion from reais.

Dollar card

Dollar card for international spending

Dollar cardUSDIOFSpending abroad

Brazilians spent US$ 21.7 billion abroad in 2025, the highest in 11 years. See how to spend in dollars (travel, software, ads) with 0% IOF and transparent FX.

Person paying with the Ruvo card while traveling

The IOF problem with a Brazilian card abroad

Using a Brazilian credit card internationally adds 3.5% IOF plus the bank's FX spread, which can reach 7%, on every purchase. A dollar card eliminates both. See the full international card fee breakdown — IOF, spread, dynamic currency conversion — to understand exactly where the cost hides and what each item is worth.

Travel, ads and SaaS: where the savings are biggest

The saving compounds fast. On a US trip, a traveler spending R$10,000 can pay R$1,200 more on a Brazilian card. For companies running Meta and Google Ads, the hidden cost layer — PIS/COFINS/ISS plus IOF — can reach 15% on top of the invoice. Business card spending on ads, cloud and SaaS is one of the fastest payback cases.

Compare the options before you choose

Not all international cards are equal. Understand how spending in dollars with an international card differs from a Brazilian card, learn why holding dollars and spending without converting gives you rate flexibility, and compare how Ruvo stacks up against Nomad for travel.

How the Ruvo card works

You hold a dollar balance in your Ruvo wallet and spend it directly on the card — Visa-accepted anywhere in the world. There is no conversion at the point of purchase, no bank spread applied behind your back, and no IOF. Converting reais to digital dollars costs 0.5% at the commercial rate; spending those dollars on the card is free.

IOF on international cards: what the law says

Decree 12.499/2025 unified the IOF rate on international card purchases at 3.5%, reversing a scheduled reduction. Add the bank's FX spread — which the statement never shows separately — and the real cost of a Brazilian card abroad is typically 4% to 10.5% above the commercial dollar rate. A dollar card sidesteps this entirely because you are spending a balance you already hold, not triggering a foreign-exchange event.

Virtual card, Apple Pay, Google Pay

The Ruvo card is virtual by default and works with Apple Pay and Google Pay, which cover the vast majority of merchants in the US and Europe. A physical card is available on request. You control your balance, set spending limits and view every transaction in the app, in real time.

Spending limits, notifications and card management

Ruvo cards come with configurable spending notifications — every charge appears in the app in real time. If you see an unrecognised charge, you can freeze the card immediately without affecting your dollar balance. Spending limits can be set on the virtual card separately from the physical card, which is useful for recurring subscriptions (set a fixed virtual limit) versus variable travel spending. For businesses, you can issue multiple virtual cards against the same account, each with its own limit — making expense tracking for SaaS tools or advertising accounts straightforward.

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Dollar card for US travel

Spend dollars in the US with no IOF and no FX surprise.

International card fees

IOF, spread and fees: the real cost, line by line.

Card for businesses

Software, ads and professional expenses without IOF.

Ruvo vs Nomad for travel

Which card costs less on a US trip.

What customers love about Ruvo

Hear how Ruvo transforms financial journeys

“

Saves money. The smartest option for CNPJs.

David Kang

Software Engineer, Turn.io

“

Ruvo simplifies our entire international financial workflow.

Joao Alvarenga

CEO, Antonnia AI

“

The best option for earning in USD.

Bruno Pazinato

Staff Engineer, Salsa

Frequently asked questions

Common questions about the dollar card.

Talk to support

No. The Ruvo card has 0% IOF on every transaction. On dollar purchases there is also no spread; on other currencies there is a 1% FX fee.
The card spends from your dollar balance. You can load it from reais (0.5%) or use the dollars you already received, with no IOF.
It is an international card, accepted at millions of merchants worldwide, online and in person.
Yes. Paying dollar-denominated services like SaaS tools, AI products and ad platforms with the Ruvo card means 0% IOF and 0% spread, the same as travel.
No. Receiving dollars via ACH or digital transfer is free. The 0.5% conversion fee only applies if you load from reais.
The main difference is IOF. Nomad charges 1.1% IOF on conversion plus a spread. Ruvo keeps 0% IOF and 0% spread on dollar purchases, with a 0.5% conversion from reais.

Sources

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