International Card Without IOF
Spend your dollar balance anywhere in the world, with no IOF, with Apple Pay and Google Pay.
Spend globally on your phone with the Ruvo card
Add money, load your card, and spend worldwide, all inside the app
Add money
Put reais or dollars in your Ruvo account. It becomes digital dollars instantly.
Load your card
Choose how much of your balance you want available on the card.
Spend
Use it anywhere, with Apple Pay and Google Pay. No fee on dollar purchases, 0% IOF.
Spend with zero IOF
SpendingReasons 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.
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 questionsYes. 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 questionsYes. 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
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 dollars.
Bruno Pazinato
Staff Engineer, Salsa
