The card that doesn't charge IOF

Q: Does Ruvo provide a card for spending?

Yes. Ruvo personal accounts include a card you can use anywhere in the world, including Apple Pay and Google Pay. Your spending limit comes from your own Ruvo balance, so you spend with no IOF and no fees on dollar purchases.

Q: Where can I use the Ruvo card?

The Ruvo card is accepted worldwide — online, in-store, and through digital wallets. See the international card in detail.

Q: Are there fees for card transactions?

There are no fees on USD transactions. Purchases in other currencies incur a 1% foreign transaction fee plus the applicable exchange rate.

Q: Is IOF charged on card transactions?

No. IOF is not charged because the Ruvo card is denominated in U.S. dollars.

Q: Can I use Apple Pay or Google Pay?

Yes. The Ruvo card works with both Apple Pay and Google Pay for contactless and online payments.

Spend with your card anywhere in the world. No fee on dollar purchases, 0% IOF, always.

Start

How it works

See how your Ruvo Card works

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

Continue with Pix

ArticleBy Valor Econômico

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

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.

Accounts

Learn more about Ruvo's global accounts

For businessesMove money at the speed of your business.Explore

For freelancers and PJ professionalsGet paid from abroad and work from anywhere.Explore

For individuals and travelersTravel and live between countries with one card.Explore

Frequently asked questions

Common questions about using your Ruvo card

Talk to support Download Ruvo

Does Ruvo provide a card for spending?

Yes. Ruvo personal accounts include a card you can use anywhere in the world, including Apple Pay and Google Pay. Your spending limit comes from your own Ruvo balance, so you spend with no IOF and no fees on dollar purchases.

See more questions

Where can I use the Ruvo card?

The Ruvo card is accepted worldwide — online, in-store, and through digital wallets. See the international card in detail.

See more questions

Are there fees for card transactions?

There are no fees on USD transactions. Purchases in other currencies incur a 1% foreign transaction fee plus the applicable exchange rate.

See more questions

Is IOF charged on card transactions?

No. IOF is not charged because the Ruvo card is denominated in U.S. dollars.

See more questions

Can I use Apple Pay or Google Pay?

Yes. The Ruvo card works with both Apple Pay and Google Pay for contactless and online payments.