Convert reais to dollars instantlyFees from 0.3%Spend with the Ruvo cardYour balance earns dailyFree between Ruvo accountsConvert reais to dollars instantlyFees from 0.3%Spend with the Ruvo cardYour balance earns dailyFree between Ruvo accountsConvert reais to dollars instantlyFees from 0.3%Spend with the Ruvo cardYour balance earns dailyFree between Ruvo accounts
Convert reais to dollars instantlyFees from 0.3%Spend with the Ruvo cardYour balance earns dailyFree between Ruvo accountsConvert reais to dollars instantlyFees from 0.3%Spend with the Ruvo cardYour balance earns dailyFree between Ruvo accountsConvert reais to dollars instantlyFees from 0.3%Spend with the Ruvo cardYour balance earns dailyFree between Ruvo accounts
0%IOF on everything
0.3%dollars to reais, PJ
Freeto receive from abroad
Why Ruvo
In minutes, no surprises, under your control
Pix sent · nowR$ 5.050,80
ArrivesMinutes
Transfers in minutes
Move money around the world in minutes, in digital dollars
Fee shown before you confirm0.5%
IOFZERO
Transparent pricing
Every fee is shown before you confirm
Self-custodyOnly you
Can move your money
Only you have access
Self-custodial account: not even Ruvo can move your money
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!
Frequently asked questions
We're always here to help, with simple, fast, and reliable answers.
Receiving from abroad and transfers between Ruvo accounts are free. Reais to dollars: 0.5%. Dollars to reais via Pix: 0.9% (individuals) or 0.3% (businesses). Sending to a US account: 0.5% by ACH, or 0.5% + $15 by Wire. Card: no fee on dollar purchases, 1% in other currencies. IOF: always 0%. The app shows every fee before you confirm.
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.
Starting limits per transaction: $10,000 for personal accounts and $30,000 for business accounts. Per day: $50,000. Per month: $100,000. Limits are flexible and can vary per customer. Personal and business accounts can request higher limits in the app or through support channels. Approval depends on the customer's profile, transactions and the documents sent.
