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.

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?

Heading 1

Heading 2

Heading 3

Heading 4

Heading 5
Heading 6

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Block quote

Ordered list

  1. Item 1
  2. Item 2
  3. Item 3

Unordered list

  • Item A
  • Item B
  • Item C

Text link

Bold text

Emphasis

Superscript

Subscript

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

Heading 1

Heading 2

Heading 3

Heading 4

Heading 5
Heading 6

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Block quote

Ordered list

  1. Item 1
  2. Item 2
  3. Item 3

Unordered list

  • Item A
  • Item B
  • Item C

Text link

Bold text

Emphasis

Superscript

Subscript

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?

Heading 1

Heading 2

Heading 3

Heading 4

Heading 5
Heading 6

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Block quote

Ordered list

  1. Item 1
  2. Item 2
  3. Item 3

Unordered list

  • Item A
  • Item B
  • Item C

Text link

Bold text

Emphasis

Superscript

Subscript

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