Send and receive money — instantly
Pix, accounts abroad or between Ruvo accounts. Your money arrives in minutes, with 0% IOF and fees from 0.3%.
How transfers work with Ruvo
Receive, add, convert and send between Brazil and the world. Real commercial rate, 0% IOF.
Share these details with your client or payroll platform. Receiving is free.
The global account made for Brazilians
See how Ruvo compares to Wise, Nomad and banks on fees, IOF and timing.
Only you can access your money. Not even Ruvo.
Your account is self-custodial: your balance stays under your control and no one can move it on your behalf, not even Ruvo. Ruvo only connects your account to Pix, accounts abroad and your card, so you can move money around the world in minutes and safely.
What customers love about Ruvo
Hear how Ruvo transforms financial journeys
Saves money. The smartest option for CNPJs.
Ruvo simplifies our entire international financial workflow.
The best option for earning in dollars.
Frequently asked questions
Common questions about sending and receiving money with Ruvo
What types of transfers does Ruvo support?
With Ruvo you receive from abroad, send and receive digital dollars, convert to reais, and move it all via Pix or bank accounts in the US and abroad.
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 questionsCan I send money to U.S. bank accounts?
Yes. You can send dollars from Ruvo to any US bank account via ACH or Wire, and to other countries via RTP or SWIFT, directly from the app.
See more questionsHow long do transfers and conversions take?
Pix, conversions and digital dollar transfers usually take minutes. ACH, Wire and SWIFT depend on the sending or receiving bank, and you see the estimate before you confirm.
See more questionsAre there fees for transfers?
Between Ruvo accounts is free, and so is receiving from abroad. Converting reais to dollars costs 0.5%; dollars to reais, 0.9% (individuals) or 0.3% (businesses). Sending to a US account costs 0.5% via ACH or 0.5% plus $15 via Wire. Everything shows in the app before you confirm.
See more questionsReady to Ruvo?
Start using Ruvo today and take control of your money.
