Spend in dollars without converting to reais

With Ruvo, receiving dollars is free (fiat or digital) and spending from the dollar balance on the card is too, 0% IOF, 0% spread, with instant access and spending. You only pay 0.5% if you need to add dollars from reais, and nothing if you already earn in dollars. That is how a dollar card works day to day.

You don’t have to convert everything at once. Hold the dollar balance and exchange to reais only what you need (0.9% for individuals and 0.3% for businesses, always with 0% IOF). The rest stays protected from swings in the real, which moved sharply in 2025, with the dollar down 11.18% over the year.

The most consistent savings from holding dollars often come from recurring digital expenses: software subscriptions, cloud hosting, advertising platforms (Google Ads, Meta) and freelancing platform fees. These are billed in USD, and a Brazilian card charges IOF on each invoice. Ruvo's card processes these charges directly from your dollar balance at 0% IOF and 0% spread, so each billing cycle is cheaper. At $500/month in SaaS and ads, the card difference versus a Brazilian credit card amounts to roughly $17–$20 per month — around $200 per year just from using the right card.

Expenses paid from your dollar balance for business purposes are deductible costs on your income statement, whether you operate as PF (carnê-leão) or PJ. The relevant figure is the amount converted to reais at the exchange rate on the date of the expense — use the Banco Central PTAX for your IRPF calculation. Ruvo provides transaction statements exportable by date range. Ask your contador how to structure the reporting: keeping clear monthly records of dollar spending simplifies the annual declaration significantly.