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Head to head

Higlobe vs Ruvo

HiglobeReceiving USDPJUSD

Higlobe is a capable, low-cost way for a business to receive and hold dollars. Ruvo does the same and adds sending, crypto, fixed pricing and a personal side. Here is the honest comparison.

Business owner receiving a dollar payment

Similar on the basics, Ruvo goes further

On the basics, Higlobe and Ruvo are similar: both let a business receive dollars from the US at low cost, hold them without forced conversion, and convert when the rate suits you. Higlobe is a focused tool — it does its one job well and stops there. Ruvo starts from the same place and adds an international card, outbound transfers by Pix or ACH, crypto sends, and a personal account alongside the business one. If the only thing you need is to receive and hold, the two are genuinely close. Once you need to do anything else with the money, the gap opens up.

Cost: similar, but Ruvo's is fixed

Higlobe's conversion is cheap, around 0.3%. Worth knowing: that rate has been promotional and has moved between 0.3% and 0.4% over time. Ruvo sets its business rate at 0.3% and keeps it there, with receiving free and 0% IOF on every operation. On the core job the two are close; the gap is predictability and everything around it. Compare options in the best account to receive USD guide.

What Ruvo adds

  • Send abroad by Pix, ACH, wire or crypto; Higlobe is receive-only
  • Spend with a card that carries 0% IOF and 0% spread on dollar purchases — Higlobe has no card
  • Send USDT or USDC to any crypto wallet from your dollar balance
  • A personal (PF) account alongside your business one, for income from both sources
  • A mobile app with real-time notifications, card controls and exchange rate alerts

Each of these features is relevant once the use case extends past simply receiving and holding.

Ruvo also covers your personal side

Higlobe is business-only. Ruvo covers both your company and you personally in one place:
  • Open a personal (PF) account alongside your business (PJ) one.
  • Free transfers between your PJ and PF accounts.
  • Personal accounts earn yield on your dollar balance, with equity investing being added on top.
A business-only service leaves your personal dollars somewhere else; Ruvo keeps them together.

Why Ruvo is the more complete choice

Higlobe is good at its one job: receiving and holding dollars cheaply for a business. Ruvo does everything Higlobe does, and much more. It receives and holds dollars too, at a fixed 0.3% with 0% IOF, then adds sending abroad, crypto to and from any wallet, an international card, a mobile app, and a personal account alongside your business one. Ruvo is also built specifically for the Brazil-US corridor, with offerings designed around how Brazilians actually earn, hold and spend dollars, which a single-purpose tool is not trying to do. For a business living between the two countries, Ruvo is the more complete account.

Dollar card for business expenses

Higlobe has no international card. If you receive dollars through Higlobe, spending them abroad means converting to reais first, then using a Brazilian card — adding IOF and FX costs on every transaction. Ruvo's card lets you spend your dollar balance directly abroad at 0% IOF and 0% spread on dollar purchases, so the balance you receive is the balance you spend. For a business owner who travels internationally or pays for SaaS tools in dollars, the card difference removes a significant recurring cost.

A note on fees

Third-party fees and features change. Data is from mid-2026; confirm on official channels before deciding.

Higlobe vs Ruvo, side by side

CriteriaRuvoHiglobe
ModelComplete global accountReceive + hold dollars (PJ)
Convert cost (business)0.3% (fixed)0.3%–0.4% (promotional)
Send abroadYes (Pix, ACH, wire, crypto)No (receive only)
Crypto / walletsYes (any wallet)No
Mobile appYesNo (web only)
International cardYes, 0% IOF & spreadYes
AccountsBusiness + personal (free PJ↔PF)Business only

Frequently asked questions

Higlobe vs Ruvo: what people ask most.

Talk to support

  • On the core job they're close: Higlobe is around 0.3% (a promotional rate that has moved between 0.3% and 0.4%), while Ruvo fixes 0.3% with receiving free and 0% IOF. Ruvo's edge is predictable pricing plus sending, crypto and a personal account.

  • Send abroad (Higlobe is receive-only), use crypto to and from any wallet, a mobile app, 0% IOF on everything, and a personal (PF) account alongside your business one.

  • No, Higlobe is receive-only. Ruvo sends abroad by Pix, ACH, wire or crypto.

  • Businesses that want a simple, low-cost way to receive, hold and convert dollars, without needing to send, use crypto, or a personal account.

  • Yes. Beyond your business (PJ) account, you can open a personal (PF) account, move money between them for free, and earn yield on your personal dollars, with equity investing being added. Higlobe is business-only.

  • No, Higlobe is designed for companies (PJ) only. Ruvo supports both business (PJ) and personal (PF) accounts under one login, so you can hold and convert dollars in both contexts without opening a separate account.

Sources

Keep reading

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Wise vs Ruvo

IOF, FX and features in a direct comparison.

Nomad vs Ruvo

Who controls your dollars, and who charges IOF.

Husky vs Ruvo

Receive-and-convert vs a dollar account you control.

TechFX vs Ruvo

B2B FX vs a complete account with 0% IOF.

Ready to Ruvo?

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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.