Say Goodbye to IOF

with the Global Card

No more 3.5% IOF on your international purchases.
Download AstroPay
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?

Step 1

Create your account

It’s going to be easy!

Step 2

Get your virtual Global Card

Add it to your Wallet in one tap

Step 3

Start Saving!

You are not longer paying IOF on your Card purchases

Already have an AstroPay account?
Get Global Card

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?
Get Global Card

Our community

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.

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?

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In 2025, it's 3.5% of the total amount paid with cards in foreign currency.
Does AstroPay charge me this IOF?

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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?

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

Company

AstroPay

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Copyright © 2025 ASTROPAY. All rights reserved.; Larstal Limited (FRN: 901001), EMI authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 (EMRs for the issuing of electronic money and payment instruments); Larstal Denmark ApS (FTID 40514), EMI authorised by the Danish Financial Supervisory Authority; AstroPay Global (IOM) Limited (135497C), licensed and regulated by the Isle of Man Financial Services Authority as a Class 8(2)(a) and (4) license holder to provide money transmission services. AstroPay Global (IOM) Limited activities in respect of electronic money do not constitute deposit taking activities and that customers money is not protected by a compensation scheme; AP Digital (IOM) Limited (135889C), registered with the Isle of Man Financial Services Authority under the Designated Business Act, to conduct convertible virtual currency activity; Astro Instituição de Pagamento Ltda (CNPJ 34.006.497/0001-77) a Payment Institution authorized by the Brazilian Central Bank as an electronic currency issuer and payment transaction initiator.

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