Send and receive money between Brazil and abroad

Receive, add, convert and send between Brazil and the world. Real commercial rate, 0% IOF.

Most international Wires leave Brazil as SWIFT transfers, meaning your bank charges a flat fee, the FX desk takes a spread, and a correspondent bank on the other end may deduct a further charge before delivery. Sending money abroad through Ruvo converts at around 1% all in with 0% IOF, so more of each payment reaches its destination.

Contractors and/or Freelancers, remote workers and exporters who receive dollars in Brazil typically wait days for a SWIFT credit and then pay again at the FX conversion. With your own US account number you keep the dollars, convert when the rate suits you, and access reais by Pix the same day.

Some cross-border needs are less obvious. Foreigners living in Brazil need a way to pay by Pix without a local bank account. Families supporting students in the US face tuition and living costs that stack IOF on top of an expensive FX rate when paid through a Brazilian bank or platform. Travellers buying dollars at a câmbio booth pay the dólar turismo spread every time. Both have lower-cost paths: paying for US university expenses and buying dollars for a US trip.

The rail you use determines cost, speed and what the recipient receives. Pix is instant within Brazil, free on Ruvo, and works for personal and business accounts. ACH connects to US bank accounts directly — faster than SWIFT and cheaper. SWIFT Wire reaches almost any bank in the world but typically takes 2–3 business days and often carries a fee at the receiving bank. Sending via USDC or USDT to a crypto wallet is the fastest option for international transfers — typically settled in minutes with no intermediary fee beyond the network fee.

Pix is instant. ACH to a US bank account settles in 1–2 business days. SWIFT Wires typically arrive in 2–3 business days, though intermediary banks can add a day. Crypto transfers settle in minutes once confirmed on the network. Receiving dollars into your Ruvo account from a US ACH or Wire typically arrives the same or next business day. For urgent payments, crypto or same-day Pix are the most reliable options.

Converting every dollar to reais the moment it arrives is rarely the best strategy. Holding a dollar balance lets you convert when the rate is favourable, pay international expenses directly without a round-trip conversion, or send abroad without first repatriating. Ruvo lets you hold a dollar balance indefinitely at no cost. When you do convert, the rate applies at the time of the conversion — not when the money arrived. Most people find a rhythm of converting enough to cover monthly reais expenses and holding the rest.