Contractor and/or Freelancer: receive in dollars and spend with a card

Instead of converting everything on arrival, hold the dollar balance and convert to reais only when you need (0.9% for individuals, 0.3% for businesses, always with 0% IOF). You decide the best FX moment.

Whatever is in dollars, software, ads, travel, subscriptions, you pay directly with the Ruvo card: dollar spending is free, 0% IOF. It works with Apple Pay and Google Pay, and the physical card is sent on request. See the full card fees and how a dollar card works.

Need to pay someone abroad or send dollars? Ruvo sends via ACH, Wire and RTP for 0.5% to 1% (reais to dollars). Receiving, holding, converting, spending and sending all happen in one account.

Foreign income received as an individual (PF) is subject to carnê-leão — a monthly self-assessment where you calculate and pay IRPF on income received from foreign sources. The applicable rate depends on your total monthly income and follows the standard progressive table. A reasonable planning rule: set aside 20–27.5% of gross foreign income each month for carnê-leão and the annual IRPF declaration, then adjust with your contador once the actual deductions are clear. Ruvo's transaction statements are exportable by month so you can reconcile easily.