A life in more than one country
Account, card and dollar balance in the same app that does Pix. Pay bills here and there without ten apps.
Individuals
Your financial life between Brazil and the world, in one app
Hold dollars, spend on the card with no IOF, send and receive from abroad, and let your balance earn. Fees from 0.5%, 0% IOF on everything.
Receive dollars from abroadConvert reais to dollars instantlyReceiving dollars is freeCard with 0% IOFYour balance earns dailyFree between Ruvo accountsApple Pay and Google Pay
Personal account
Dollars in your pocket, for life in more than one country
No markupsNo hidden spreadsNo IOF
One card for the whole world
Spend your dollar balance anywhere in the world, with no IOF. Learn more about the card.
- No fee on dollar purchases
- 0% IOF, always
- Apple Pay and Google Pay
Send and receive in minutes
Reais become dollars, dollars become reais, right in the app and via Pix. See how to buy dollars with no IOF.
- Receiving from abroad is free
- Convert from 0.5%, check the fees in the app
- Free between Ruvo accounts
Earning · up to 4.3% a year
US$ 8,240.50
Earned since you opened this page+US$ 0.000000Growing every second
Today+US$ 0.97
This year, at this rate+US$ 354.34
Your balance earns every day
Up to 4.3% a year in dollars, no lock-up, no minimum.
- Earns every second
- Withdraw whenever you want
- Track it in real time in the app
Pricing
What it really costs
Fees from 0.5% for individuals. No hidden markup.
Send and receive in reais or dollars and move your money around the world from a single balance.
No markupsNo IOF
See what you pay — and why
Keeping your money as digital dollars in your Ruvo balance costs 0.5%, and from there you can already spend on the card, send via Pix, or convert to reais whenever you want!
Take your money with you
Built for life between countries
Studying abroad
Get money from your parents in minutes, pay housing and tuition in dollars, and spend day to day with no IOF.
Traveling often
Buy dollars when the rate is good, hold them earning, and spend on the card with no IOF and no surprises on the bill.
Frequently asked questions
Common questions about the Ruvo Individual account
Who can open a Ruvo personal account?
Ruvo personal accounts are available to individuals from any country, except where restricted by international sanctions, as described in our Terms of Use. Some jurisdictions require additional documentation.
See more questionsHow do I receive USD with Ruvo?
Ruvo provides you with U.S. checking account details in your name. You can share the account and routing details with your payroll platform or use them to transfer funds from another US bank account. Once USD is received, the funds are automatically made available in your Ruvo account as digital dollars.
See more questionsHow do I convert dollars to reais?
Convert dollars to BRL directly in the app and withdraw via Pix in minutes, 24/7, at the commercial exchange rate.
See more questionsWhat fees and limits apply to personal accounts?
Individual accounts use the real commercial rate with simple, transparent fees shown in the app, starting at 0.5%. Transaction limits are clearly displayed and can increase with verification.
See more questionsHow does my balance earn?
You choose how much of your balance to keep earning, and it earns up to 4.3% a year, calculated every second, with no lock-up period and no minimum. You watch your earnings come in, in real time, right in the app. The rate is variable: it can go up or down with supply and demand in the onchain lending market. When demand for loans is higher, the yield tends to rise; when it's lower, it tends to fall. That's why the figures you see are estimates at the current rate, not guaranteed. See more on the Yield page.
See more questionsReady to Ruvo?
Start using Ruvo today and take control of your money.
Scan to get Ruvo
