Say Goodbye to IOF

with the Global Card

No more 3.5% IOF on your international purchases.
You paid 100 USD
You paid 34,001 ARS

Yes, Seriously. IOF is on us.

Every time you use your AstroPay Global Card to pay in foreign currencies, we’ll take care of the IOF (Imposto sobre Operações Financeiras) fee for you. That’s a 3.5% saving on every international transaction—automatically.

How does it work?

Already have an AstroPay account?

We are the best option for you:

Credit Card
3,5 % IOF
4,0 a 5,0 %
Currency spread
7,5 a 8,5 %
Overall cost
Fees vary by
issuing bank
Nomad
3,5 % IOF
1,0 a 2,0 %
Currency spread
4,5 a 5,5 %
Overall cost
The exchange rate spread depends on your Nomad Pass tier.
AstroPay
0 % IOF (it’s on us)
1,5 % (fixed)
Currency spread
1,5 % (fixed)
Overall cost
Zero IOF and a fixed price, always.
Wise
3,5 % IOF
From 0,43 %
Currency spread
3,93 a 4,5 %
Overall cost
The exchange rate spread varies by currency.
Revolut
3,5 % IOF
1,0 a 1,5 %
Currency spread
4,5 a 5,0 %
Overall cost
The exchange rate spread varies by time and plan.
Already have an AstroPay account?

FAQs

What is IOF and why is it charged?

It’s a federal tax on financial operations like international purchases. It helps fund the government and control currency flow.

How much is the IOF on international purchases?

In 2025, it's 3.5% of the total amount paid with cards in foreign currency.

Does AstroPay charge me this IOF?

You pay IOF on most international card transactions — except when using AstroPay, where we cover it for you automatically.

When exactly do I pay IOF — and when do I not?

You pay IOF on most international card transactions — except when using AstroPay, where we cover it for you automatically.