International Card Without IOF

Q: How 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.

Q: Is Ruvo safe and compliant?

Yes. Ruvo is backed by Y Combinator and works with regulated partners in the US and Brazil. Your wallet is self-custodial: only you control the keys and move your assets — not even Ruvo has access.

Q: Can I use the card abroad?

Yes. The Ruvo card works worldwide, with Apple Pay and Google Pay. No fee on dollar purchases, 0% IOF.

Spend your dollar balance anywhere in the world, with no IOF, with Apple Pay and Google Pay.

0% IOF
No fee on dollar purchases
Apple Pay and Google Pay

9:41

Cards

•••• 73361,240.50 USD

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How it works

Spend globally on your phone with the Ruvo card

Add money, load your card, and spend worldwide, all inside the app

9:41

Add via Pix

This is an estimate. Your final quote and exchange rate will be confirmed on the next screen.

BRL1.000,00

You'll receive (USDC)

≈ 196.41 USDC

Real-time rate1 USDC = 5.0660 BRL

Your rate (after fees)Includes 0.5% fee1 USDC = 5.0915 BRL

IOF0%

Estimated arrival< 1 minute

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Spend with zero IOF

Spending

Reasons to use the Ruvo card

A card that spends straight from your dollar balance. No bill, no IOF, and you control everything in the app.

Traveling

Pay for hotels, restaurants and transport in dollars, with no IOF and no surprises when you're back.

Shopping on foreign sites

Amazon, Apple and any US store, with 0% IOF.

Subscriptions in dollars

Netflix, Spotify, work tools and courses, charged in dollars with no IOF.

Learn more about the Ruvo card

Common questions about IOF, security, and using the card abroad.

Talk to support Download Ruvo

How 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 questions

Is Ruvo safe and compliant?

Yes. Ruvo is backed by Y Combinator and works with regulated partners in the US and Brazil. Your wallet is self-custodial: only you control the keys and move your assets — not even Ruvo has access.

See more questions

Can I use the card abroad?

Yes. The Ruvo card works worldwide, with Apple Pay and Google Pay. No fee on dollar purchases, 0% IOF.

See more questions

See more questions about Ruvo card

Customers