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With IOF Zero, BTG Pactual Eliminates Taxes on International Purchases in 2025 and Opens a New Phase of Benefits for Brazilian Consumers.
BTG Pactual has launched an innovation that promises to transform the experience of travelers and customers making international transactions: IOF Zero. The measure eliminates the tax on financial operations for international purchases and withdrawals made with Platinum, Black, Ultrablue, and TAP cards. As a result, customers start saving while traveling, enjoying greater convenience and security in international transactions.
The launch of IOF Zero represents a significant change for those using international cards, making travel more accessible and reinforcing the competitiveness of the BTG Pactual card in the financial market.
IOF Zero: What Changes in Spending Abroad?
IOF Zero is an initiative from BTG Pactual that exempts the tax on financial operations (IOF) for international purchases, both debit and credit. Traditionally, the IOF on international purchases was variable, but starting in 2025, all transactions with credit, debit, or prepaid cards will have a fixed rate of 3.5%, according to the Central Bank.
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With the elimination of the tax, customers will immediately save on every expense abroad, making their travels more affordable.
According to data from the Central Bank, the IOF on international transactions affects thousands of Brazilians who travel or purchase products outside the country. BTG Pactual identifies that many clients seek alternatives to reduce costs and maintain greater financial control while traveling, and the implementation of IOF Zero directly meets that demand.
Eligible BTG Pactual Cards for IOF Zero
Currently, the measure covers the Platinum, Black, Ultrablue, and TAP cards from BTG Pactual, catering to a variety of customer profiles, from frequent travelers to users making occasional international purchases.
- Platinum Card: ideal for clients seeking travel benefits and digital security.
- Black Card: offers exclusive advantages, such as points, cashback, and expanded international coverage.
- Ultrablue Card: combines technological innovation with conveniences for international payments.
- TAP Card: aimed at frequent travelers, focusing on benefits with airlines and travel services.
Benefits of IOF on International Purchases
The launch of IOF Zero by BTG Pactual not only reduces the direct cost of transactions but also offers other strategic benefits:
- Immediate cost reduction: by eliminating the tax on financial operations, clients save on every purchase or withdrawal abroad.
- Security and convenience: international transactions become safer, without the need for additional conversions or concerns about hidden banking fees.
- Optimized financial control: users can plan their spending abroad with greater precision, without surprises related to the IOF.
- Competitiveness and innovation: BTG Pactual stands out in the financial market by offering solutions that anticipate client needs.
According to recent studies from the Central Bank and IBGE, Brazilians spend billions of reais annually on international travel. The elimination of the IOF represents significant savings for this audience, directly impacting personal and corporate budgets.
Comparing the Scenario Before and After IOF Zero
Before the implementation of IOF Zero, the IOF on international purchases was one of the main fees burdening customers in transactions outside the country.
For purchases made with an international credit card and for withdrawals and transfers, the tax was 6.38%. This tax burden made international travel and purchases more expensive, limiting consumption and the financial freedom of the user.
With IOF Zero, BTG Pactual redefines the market standard, offering a competitive solution compared to other banks and fintechs that still maintain the traditional IOF charge on international transactions. For many clients, this represents substantial savings during international travel and purchases online.
Impact on the Financial Market and Travel Savings
BTG Pactual’s initiative also has strategic effects on the financial sector. By eliminating the IOF on international purchases, the bank:
- Attracts new clients interested in travel savings and conveniences abroad.
- Reinforces its image as an innovative bank focused on digital solutions.
- Encourages competitors to rethink fees and benefits to maintain competitiveness.
According to updated data from the Central Bank, in 2024, the volume of transactions with credit cards in Brazil grew by 26.7%, totaling 138.2 billion operations, with a financial transaction value of R$ 116.8 trillion, representing a 15.6% increase compared to 2023.
In this context, IOF Zero emerges as a decisive differentiator in choosing a bank and card, especially for those seeking greater financial control and less bureaucracy.
Security and Technology for International Transactions
In addition to savings, IOF Zero enhances the security of BTG Pactual customers. With advanced monitoring technology, the bank offers protection against fraud and real-time control of international transactions.
Digital security is increasingly valued, especially in spending abroad, where exposure to fraud and financial scams is higher.
IOF Zero combines cost reduction with reliability, providing a complete experience for those making purchases and withdrawals outside the country.
Practical Advantages for Frequent Travelers
For those who travel regularly, IOF Zero offers practical advantages that go beyond simple savings. Among them:
- More efficient financial planning, with no surprises related to the tax.
- Ability to make more international purchases within the same budget.
- Ease in managing expenses during corporate or leisure trips.
- A smoother and safer travel experience, with less bureaucracy and hidden costs.
Transforming the International Spending Experience
IOF Zero ushers in a new era of international spending, making transactions more accessible, practical, and secure. BTG Pactual’s initiative demonstrates that it is possible to combine technological innovation, savings, and security in a single financial product, meeting the expectations of discerning and global clients.
For frequent travelers, students studying abroad, or professionals dealing with international transactions, IOF Zero represents an opportunity to reduce costs without sacrificing convenience and security.
New Standard for International Transactions
The launch of IOF Zero by BTG Pactual represents more than a simple tax exemption; it is a landmark in the Brazilian financial market. The measure directly benefits customers, encouraging the use of international cards and consolidating trust in secure digital services.
In addition to savings, IOF Zero stands out for:
- Simplicity and clarity in applying the exemption.
- Coverage across multiple types of cards, serving diverse profiles.
- Reduction of the effective cost of purchases abroad, positively impacting personal and corporate budgets.
By launching IOF Zero, BTG Pactual inaugurates a new era in international spending, eliminating the tax on financial operations for purchases and withdrawals abroad.
As a result, customers enjoy real savings, greater convenience, and security in international transactions.
The initiative also positions the BTG Pactual card as a benchmark for innovation and financial efficiency, offering tangible advantages for those wishing to travel and shop abroad without additional costs.
For frequent or occasional travelers, the measure represents financial freedom and a smarter, more secure consumption experience.
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