{"id":62324,"date":"2025-05-29T16:13:18","date_gmt":"2025-05-29T19:13:18","guid":{"rendered":"https:\/\/clmcontroller.com.br\/?post_type=web-story&#038;p=62324"},"modified":"2025-05-29T16:13:19","modified_gmt":"2025-05-29T19:13:19","slug":"o-que-e-iof","status":"publish","type":"web-story","link":"https:\/\/clmcontroller.com.br\/en\/web-stories\/o-que-e-iof\/","title":{"rendered":"O que \u00e9 IOF?"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link href=\"https:\/\/fonts.googleapis.com\/css2?display=swap&amp;family=Montserrat%3Awght%40700\" rel=\"stylesheet\"\/>\n<style amp-boilerplate=\"\">body{-webkit-animation:-amp-start 8s steps(1,end) 0s 1 normal both;-moz-animation:-amp-start 8s steps(1,end) 0s 1 normal both;-ms-animation:-amp-start 8s steps(1,end) 0s 1 normal both;animation:-amp-start 8s steps(1,end) 0s 1 normal both}@-webkit-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-moz-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-ms-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@-o-keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}@keyframes -amp-start{from{visibility:hidden}to{visibility:visible}}<\/style>\n<p><noscript><\/p>\n<style amp-boilerplate=\"\">body{-webkit-animation:none;-moz-animation:none;-ms-animation:none;animation:none}<\/style>\n<p><\/noscript><\/p>\n<style amp-custom=\"\">\n              h1, h2, h3 { font-weight: normal; }<\/p>\n<p>              amp-story-page {\n                background-color: #131516;\n              }<\/p>\n<p>              amp-story-grid-layer {\n                overflow: visible;\n              }<\/p>\n<p>       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font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\n              }\n              <\/style>\n<p><meta name=\"web-stories-replace-head-start\"\/><title>O que \u00e9 IOF?<\/title><link rel=\"canonical\" href=\"https:\/\/clmcontroller.com.br\/?post_type=web-story&amp;p=62324\"\/><meta name=\"web-stories-replace-head-end\"\/><\/head><body data-rsssl=1><amp-story standalone=\"\" publisher=\"CLM Controller\" publisher-logo-src=\"https:\/\/clmcontroller.com.br\/wp-content\/uploads\/2025\/01\/309208221_507847678017743_1562532568909218910_n.png\" title=\"O que \u00e9 IOF?\" poster-portrait-src=\"https:\/\/clmcontroller.com.br\/wp-content\/uploads\/2025\/05\/cropped-ChatGPT-Image-27-de-mai.-de-2025-13_03_08-1.png\"><amp-story-page id=\"e9a82cb4-df90-48d7-be12-bf3a9a6a353d\" auto-advance-after=\"10s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#212844\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7a0b814a-e76a-4ffa-8ab3-ff5712d0423b\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:0;width:76.69903%;height:8.89968%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6329113924050633% 0.6329113924050633% 0.6329113924050633% 0.6329113924050633% \/ 3.6363636363636362% 3.6363636363636362% 3.6363636363636362% 3.6363636363636362%\" id=\"el-10c12b78-df3a-4a93-b387-8ec6d0fe72e9\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.13528481012658292% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.728155em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">O que \u00e9 IOF?<\/span><\/span><\/h1>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.8932%;top:16.99029%;width:76.69903%;height:43.68932%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6329113924050633% 0.6329113924050633% 0.6329113924050633% 0.6329113924050633% \/ 0.7407407407407408% 0.7407407407407408% 0.7407407407407408% 0.7407407407407408%\" id=\"el-6d2f849c-f348-4501-a861-3d8dbf62cf83\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0751582278481015% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.404531em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">O IOF (Imposto sobre Opera\u00e7\u00f5es Financeiras)&nbsp;<\/span><br \/>\n<span style=\"font-weight: 700; color: #fff\">\u00e9 um tributo federal que incide sobre diversas opera\u00e7\u00f5es financeiras, como empr\u00e9stimos, c\u00e2mbio, seguros e investimentos.<\/span><\/span><\/h1>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:0;top:63.91586%;width:100%;height:45.30744%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-ed283f7a-625f-4712-a99e-fb39cf530de7\">\n<div style=\"position:absolute;width:101.94174%;height:100%;left:-0.97087%;top:0%\" 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1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-36311f26-fc6f-4fae-9c11-825860a243ba\",\"keyframes\":{\"transform\":[\"translate3d(-115.18988%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-70c07cf8-edbf-4b61-a65b-127212a9bdcc\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-e1a2d8e7-fd0b-4fa4-a473-2d4fa77b7e0f\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#212844\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-eafdb137-f761-4943-aa70-1ffa5d6737ae\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:31.39159%;width:73.78641%;height:18.60841%;opacity:1\">\n<div id=\"anim-85088866-0c36-4b84-af52-7ce7ef096fba\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-115.78948%, 0px, 0)\">\n<div id=\"anim-8ac24724-338d-4557-b193-df4cfc549606\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-eb78bbeb-96ba-408b-aad2-035a51296628\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6578947368421052% 0.6578947368421052% 0.6578947368421052% 0.6578947368421052% \/ 1.7391304347826086% 1.7391304347826086% 1.7391304347826086% 1.7391304347826086%\" id=\"el-8b776c23-9126-4446-8a16-0155b6c426a0\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.3996710526315789% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.485437em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">IOF em Empr\u00e9stimos e Financiamentos<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:53.72168%;width:76.69903%;height:42.71845%;opacity:1\">\n<div id=\"anim-36311f26-fc6f-4fae-9c11-825860a243ba\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-115.18988%, 0px, 0)\">\n<div id=\"anim-70c07cf8-edbf-4b61-a65b-127212a9bdcc\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-e1a2d8e7-fd0b-4fa4-a473-2d4fa77b7e0f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6329113924050633% 0.6329113924050633% 0.6329113924050633% 0.6329113924050633% \/ 0.7575757575757576% 0.7575757575757576% 0.7575757575757576% 0.7575757575757576%\" id=\"el-d8d8eed2-28fd-4c6a-8e19-a52b01a0bcb7\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.060126582278481416% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Quando voc\u00ea contrata um empr\u00e9stimo ou financiamento, o IOF \u00e9 cobrado de duas formas:<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">\u2013 Al\u00edquota fixa: 0,38% sobre o valor total do cr\u00e9dito.<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">\u2013 Al\u00edquota di\u00e1ria: 0,0082% ao dia sobre o saldo devedor, at\u00e9 o limite de 365 dias.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:0.48544%;top:-9.54693%;width:91.99029%;height:37.05502%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-5d42424a-f08b-49c0-9fc2-359817ad261d\">\n<div style=\"position:absolute;width:100%;height:124.26544%;left:0%;top:-12.13272%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1561414927-6d86591d0c4f?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw1fHxtb25leXxlbnwwfHx8fDE3NDg1MDUxMzR8MA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=4471&amp;h=3357&amp;fit=max\" alt=\"close-up photo of assorted coins\" srcSet=\"https:\/\/images.unsplash.com\/photo-1561414927-6d86591d0c4f?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw1fHxtb25leXxlbnwwfHx8fDE3NDg1MDUxMzR8MA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=4471&amp;h=3357&amp;fit=max 4471w,https:\/\/images.unsplash.com\/photo-1561414927-6d86591d0c4f?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw1fHxtb25leXxlbnwwfHx8fDE3NDg1MDUxMzR8MA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=3576&amp;h=2685&amp;fit=max 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disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"64637ae6-949b-49bc-b75d-5107b99e0a2a\" auto-advance-after=\"10s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3123353c-d2ef-4c2d-ab0c-bf084057b2b3\",\"keyframes\":[{\"offset\":0,\"transform\":\"translate3d(0, -288.88895%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.29,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.45,\"transform\":\"translate3d(0, -81.23557274000001%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.61,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.71,\"transform\":\"translate3d(0, -27.617783620000004%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.8,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.85,\"transform\":\"translate3d(0, -10.371113305000002%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.92,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.96,\"transform\":\"translate3d(0, -4.50666762%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":1,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"}],\"delay\":0,\"duration\":600,\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3968f043-7012-494c-a153-44f6c86f0d8c\",\"keyframes\":{\"transform\":[\"translate3d(113.29113%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-604a4ec5-b477-43c1-99b8-0ba419c5f37a\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c0d6bbcf-10d6-4775-aaee-21cb36aea77f\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#212844\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-b34e4d00-ebc2-4b69-aa94-eab86f0ee682\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:0;width:78.15534%;height:18.60841%;opacity:1\">\n<div id=\"anim-3123353c-d2ef-4c2d-ab0c-bf084057b2b3\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0, -288.88895%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6211180124223602% 0.6211180124223602% 0.6211180124223602% 0.6211180124223602% \/ 1.7391304347826086% 1.7391304347826086% 1.7391304347826086% 1.7391304347826086%\" id=\"el-8a3c9fcd-d3d8-4d98-b40a-f68947d76d72\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.3773291925465838% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.485437em;line-height:1.3;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">IOF em C\u00e2mbio e Compras Internacionais<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:13.1068%;top:55.98706%;width:76.69903%;height:46.60194%;opacity:1\">\n<div id=\"anim-3968f043-7012-494c-a153-44f6c86f0d8c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(113.29113%, 0px, 0)\">\n<div id=\"anim-604a4ec5-b477-43c1-99b8-0ba419c5f37a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-c0d6bbcf-10d6-4775-aaee-21cb36aea77f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6329113924050633% 0.6329113924050633% 0.6329113924050633% 0.6329113924050633% \/ 0.6944444444444444% 0.6944444444444444% 0.6944444444444444% 0.6944444444444444%\" id=\"el-6fc25ed3-8d35-4cc7-ac82-858720f32ad1\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.060126582278481416% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Ao comprar moeda estrangeira ou realizar compras internacionais, o IOF tamb\u00e9m est\u00e1 presente:<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">\u2013 Compra de moeda estrangeira em esp\u00e9cie: 1,1% sobre o valor adquirido.<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">\u2013 Compras internacionais com cart\u00e3o de cr\u00e9dito: 6,38% sobre o valor da transa\u00e7\u00e3o.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:-3.15534%;top:23.30097%;width:104.85437%;height:30.09709%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-2adc492a-2fbd-454f-a109-0ded505e0809\">\n<div style=\"position:absolute;width:100%;height:155.0446%;left:0%;top:-27.5223%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1598193957011-39b9f2916992?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw2fHxpbXBvcnR8ZW58MHx8fHwxNzQ4NTQzNDUxfDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=6016&amp;h=4016&amp;fit=max\" alt=\"white and red boat on dock during night time\" srcSet=\"https:\/\/images.unsplash.com\/photo-1598193957011-39b9f2916992?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw2fHxpbXBvcnR8ZW58MHx8fHwxNzQ4NTQzNDUxfDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=6016&amp;h=4016&amp;fit=max 6016w,https:\/\/images.unsplash.com\/photo-1598193957011-39b9f2916992?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw2fHxpbXBvcnR8ZW58MHx8fHwxNzQ4NTQzNDUxfDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=4812&amp;h=3212&amp;fit=max 4812w,https:\/\/images.unsplash.com\/photo-1598193957011-39b9f2916992?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw2fHxpbXBvcnR8ZW58MHx8fHwxNzQ4NTQzNDUxfDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=3609&amp;h=2409&amp;fit=max 3609w,https:\/\/images.unsplash.com\/photo-1598193957011-39b9f2916992?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw2fHxpbXBvcnR8ZW58MHx8fHwxNzQ4NTQzNDUxfDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=2406&amp;h=1606&amp;fit=max 2406w,https:\/\/images.unsplash.com\/photo-1598193957011-39b9f2916992?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw2fHxpbXBvcnR8ZW58MHx8fHwxNzQ4NTQzNDUxfDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=1203&amp;h=803&amp;fit=max 1203w,https:\/\/images.unsplash.com\/photo-1598193957011-39b9f2916992?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw2fHxpbXBvcnR8ZW58MHx8fHwxNzQ4NTQzNDUxfDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=340&amp;h=227&amp;fit=max 340w\" sizes=\"(min-width: 1024px) 47vh, 105vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"05a9b66a-1b7b-4b36-b3cb-f7b7067fd30e\" auto-advance-after=\"10s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-8e65dc20-1a97-469f-bf97-cc5a699d854c\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-279a672b-e2a5-4c2e-9c07-d6a7a877cac2\",\"keyframes\":{\"transform\":[\"translate3d(-117.84387%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c0025770-706a-4675-91c6-7a021eb32acb\",\"keyframes\":{\"transform\":[\"translate3d(115.18987%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-609d490b-d4c6-45f4-ae71-9d25328d42a8\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-ee733b95-0004-43ec-8d12-1ab54986f29e\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#262640\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-57d1bd73-af10-482b-8c26-4e028d61d03b\">\n<div style=\"position:absolute;width:118.20331%;height:100%;left:-9.10166%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1581263518256-ba4a28ed5517?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw3Mnx8am9ifGVufDB8fHx8MTc0ODU0MzczMnww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=4000&amp;h=6016&amp;fit=max\" alt=\"man in black suit holding magnifying glass\" srcSet=\"https:\/\/images.unsplash.com\/photo-1581263518256-ba4a28ed5517?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw3Mnx8am9ifGVufDB8fHx8MTc0ODU0MzczMnww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=4000&amp;h=6016&amp;fit=max 4000w,https:\/\/images.unsplash.com\/photo-1581263518256-ba4a28ed5517?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw3Mnx8am9ifGVufDB8fHx8MTc0ODU0MzczMnww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=3200&amp;h=4813&amp;fit=max 3200w,https:\/\/images.unsplash.com\/photo-1581263518256-ba4a28ed5517?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw3Mnx8am9ifGVufDB8fHx8MTc0ODU0MzczMnww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=2400&amp;h=3610&amp;fit=max 2400w,https:\/\/images.unsplash.com\/photo-1581263518256-ba4a28ed5517?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw3Mnx8am9ifGVufDB8fHx8MTc0ODU0MzczMnww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=1600&amp;h=2406&amp;fit=max 1600w,https:\/\/images.unsplash.com\/photo-1581263518256-ba4a28ed5517?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw3Mnx8am9ifGVufDB8fHx8MTc0ODU0MzczMnww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=800&amp;h=1203&amp;fit=max 800w,https:\/\/images.unsplash.com\/photo-1581263518256-ba4a28ed5517?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw3Mnx8am9ifGVufDB8fHx8MTc0ODU0MzczMnww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=340&amp;h=511&amp;fit=max 340w\" sizes=\"(min-width: 1024px) 46vh, 101vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<div class=\"element-overlay-area\" style=\"background-color:rgba(33,40,68,0.5)\"><\/div>\n<\/div>\n<\/div>\n<div class=\"page-background-overlay-area\" style=\"background-color:rgba(33,40,68,0.5)\"><\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:24.59547%;width:65.29126%;height:5.98706%;opacity:1\">\n<div id=\"anim-8e65dc20-1a97-469f-bf97-cc5a699d854c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-279a672b-e2a5-4c2e-9c07-d6a7a877cac2\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-117.84387%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7434944237918215% 0.7434944237918215% 0.7434944237918215% 0.7434944237918215% \/ 5.405405405405405% 5.405405405405405% 5.405405405405405% 5.405405405405405%\" id=\"el-06dbb778-fadf-42eb-945d-779505099db8\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.10594795539033462% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">IOF em Seguros<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:50%;width:76.69903%;height:34.95146%;opacity:1\">\n<div id=\"anim-c0025770-706a-4675-91c6-7a021eb32acb\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(115.18987%, 0px, 0)\">\n<div id=\"anim-609d490b-d4c6-45f4-ae71-9d25328d42a8\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-ee733b95-0004-43ec-8d12-1ab54986f29e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6329113924050633% 0.6329113924050633% 0.6329113924050633% 0.6329113924050633% \/ 0.9259259259259258% 0.9259259259259258% 0.9259259259259258% 0.9259259259259258%\" id=\"el-26801766-5605-4c2d-a2e8-1b81c922563a\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.060126582278481416% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Na contrata\u00e7\u00e3o de seguros,&nbsp;<\/span><br \/>\n<span style=\"font-weight: 700; color: #fff\">o IOF varia conforme o tipo:<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">\u2013 Seguro de vida: 0,38% sobre&nbsp;<\/span><br \/>\n<span style=\"font-weight: 700; color: #fff\">o pr\u00eamio.<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">\u2013 Seguro de bens (como ve\u00edculos): 7,38% sobre o pr\u00eamio.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"2b0c1bf8-0acc-4f24-9996-e5c6b47afa40\" auto-advance-after=\"10s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-4a2d60b7-aaf6-449f-a059-90d3bd66e3f3\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a342811d-22a7-4adf-9311-3eff4f5d530b\",\"keyframes\":{\"transform\":[\"translate3d(119.73683%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0711dcf5-28bc-414b-b5b1-4569266823ca\",\"keyframes\":[{\"offset\":0,\"transform\":\"translate3d(0, -182.28115%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.29,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.45,\"transform\":\"translate3d(0, -51.25745938%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.61,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.71,\"transform\":\"translate3d(0, -17.42607794%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.8,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.85,\"transform\":\"translate3d(0, -6.543893285%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.92,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.96,\"transform\":\"translate3d(0, -2.8435859399999996%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":1,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"}],\"delay\":0,\"duration\":600,\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#c4c4c4\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0b4ac6ea-6c4d-44ba-9641-de83ed21ae86\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-11.97411%;width:100.48544%;height:102.26537%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-2592965f-4074-427e-a3fe-8c8673882dcb\">\n<div class=\"fill\" style=\"background-color:#212844;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:0;top:90.29126%;width:100.48544%;height:19.57929%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-a896f218-4fe7-4673-b4ed-3ce99baa9e98\">\n<div style=\"position:absolute;width:100%;height:228.09916%;left:0%;top:-64.04958%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1434030216411-0b793f4b4173?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHwzMHx8am9ifGVufDB8fHx8MTc0ODU0MzcwNHww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=5184&amp;h=3456&amp;fit=max\" alt=\"person writing on brown wooden table near white ceramic mug\" srcSet=\"https:\/\/images.unsplash.com\/photo-1434030216411-0b793f4b4173?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHwzMHx8am9ifGVufDB8fHx8MTc0ODU0MzcwNHww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=5184&amp;h=3456&amp;fit=max 5184w,https:\/\/images.unsplash.com\/photo-1434030216411-0b793f4b4173?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHwzMHx8am9ifGVufDB8fHx8MTc0ODU0MzcwNHww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=4147&amp;h=2765&amp;fit=max 4147w,https:\/\/images.unsplash.com\/photo-1434030216411-0b793f4b4173?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHwzMHx8am9ifGVufDB8fHx8MTc0ODU0MzcwNHww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=3110&amp;h=2073&amp;fit=max 3110w,https:\/\/images.unsplash.com\/photo-1434030216411-0b793f4b4173?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHwzMHx8am9ifGVufDB8fHx8MTc0ODU0MzcwNHww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=2073&amp;h=1382&amp;fit=max 2073w,https:\/\/images.unsplash.com\/photo-1434030216411-0b793f4b4173?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHwzMHx8am9ifGVufDB8fHx8MTc0ODU0MzcwNHww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=1036&amp;h=691&amp;fit=max 1036w,https:\/\/images.unsplash.com\/photo-1434030216411-0b793f4b4173?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHwzMHx8am9ifGVufDB8fHx8MTc0ODU0MzcwNHww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=340&amp;h=227&amp;fit=max 340w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:0;width:73.78641%;height:11.8123%;opacity:1\">\n<div id=\"anim-4a2d60b7-aaf6-449f-a059-90d3bd66e3f3\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-a342811d-22a7-4adf-9311-3eff4f5d530b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(119.73683%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6578947368421052% 0.6578947368421052% 0.6578947368421052% 0.6578947368421052% \/ 2.73972602739726% 2.73972602739726% 2.73972602739726% 2.73972602739726%\" id=\"el-612a53c2-01eb-42d7-96c7-a1233842f915\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.09375000000000006% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Dicas para Reduzir o IOF<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.37864%;top:25.88997%;width:76.21359%;height:42.71845%;opacity:1\">\n<div id=\"anim-0711dcf5-28bc-414b-b5b1-4569266823ca\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0, -182.28115%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6369426751592357% 0.6369426751592357% 0.6369426751592357% 0.6369426751592357% \/ 0.7575757575757576% 0.7575757575757576% 0.7575757575757576% 0.7575757575757576%\" id=\"el-4371fd5f-6343-44cc-957c-2f9f61476780\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06050955414012779% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">\u2013 Evite resgatar investimentos antes de 30 dias.<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">\u2013 Planeje suas opera\u00e7\u00f5es financeiras para minimizar a incid\u00eancia do IOF.<\/span><\/p>\n<p><span style=\"font-weight: 700; color: #fff\">\u2013 Consulte um contador para estrat\u00e9gias de planejamento tribut\u00e1rio.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"62ae21f2-86a5-43bc-b4a1-560e8cfeb4ab\" auto-advance-after=\"10s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-52a68c64-7cf6-4d03-9ae6-6dbd5e6fe2f2\",\"keyframes\":[{\"offset\":0,\"transform\":\"translate3d(0, -220.01227%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.29,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.45,\"transform\":\"translate3d(0, -61.867450324%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.61,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.71,\"transform\":\"translate3d(0, -21.033173012000002%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.8,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.85,\"transform\":\"translate3d(0, -7.898440493000001%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.92,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.96,\"transform\":\"translate3d(0, -3.432191412%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":1,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"}],\"delay\":0,\"duration\":600,\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-b3ad57f5-b510-4636-bdf4-1e4eb8d27a95\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1e284e7b-8bcb-4127-8a21-7d7bf4c973b6\",\"keyframes\":{\"transform\":[\"translate3d(114.87342%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-230ea5cb-7383-4507-95d8-ea780d20a8e8\",\"keyframes\":{\"transform\":[\"scale(1)\",\"scale(1.5)\",\"scale(0.95)\",\"scale(1)\"],\"offset\":[0,0.33,0.66,1]},\"delay\":0,\"duration\":1450,\"easing\":\"ease-in-out\",\"fill\":\"both\",\"iterations\":1}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#212844\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-e69e0a10-3a83-49dc-b32f-502c7f451b26\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:0;width:76.69903%;height:29.28803%;opacity:1\">\n<div id=\"anim-52a68c64-7cf6-4d03-9ae6-6dbd5e6fe2f2\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0, -220.01227%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6329113924050633% 0.6329113924050633% 0.6329113924050633% 0.6329113924050633% \/ 1.1049723756906076% 1.1049723756906076% 1.1049723756906076% 1.1049723756906076%\" id=\"el-2642d154-81af-4b3e-ac08-a0341f81f8df\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.09018987341772156% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Quer entender ainda mais sobre o IOF e como ele impacta as finan\u00e7as da sua empresa?<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.8932%;top:37.54045%;width:76.69903%;height:33.98058%;opacity:1\">\n<div id=\"anim-b3ad57f5-b510-4636-bdf4-1e4eb8d27a95\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-1e284e7b-8bcb-4127-8a21-7d7bf4c973b6\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(114.87342%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6329113924050633% 0.6329113924050633% 0.6329113924050633% 0.6329113924050633% \/ 0.9523809523809524% 0.9523809523809524% 0.9523809523809524% 0.9523809523809524%\" id=\"el-6bcbea86-2a63-4752-ad0d-a32e2f2681ce\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0751582278481015% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.404531em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #f3f2f0\">Acesse o conte\u00fado completo no e tire todas as suas d\u00favidas com exemplos pr\u00e1ticos, tabelas atualizadas e orienta\u00e7\u00f5es estrat\u00e9gicas!<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:83.65696%;width:76.69903%;height:4.85437%;opacity:1\">\n<div id=\"anim-230ea5cb-7383-4507-95d8-ea780d20a8e8\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(1)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6329113924050633% 0.6329113924050633% 0.6329113924050633% 0.6329113924050633% \/ 6.666666666666667% 6.666666666666667% 6.666666666666667% 6.666666666666667%\" id=\"el-1528f5b8-01dd-4bff-b5b1-e2faf97183e6\"><a href=\"https:\/\/clmcontroller.com.br\/tributos\/iof-imposto-sobre-operacoes-financeiras-guia-completo\/\" data-tooltip-icon=\"https:\/\/clmcontroller.com.br\/wp-content\/uploads\/2025\/01\/309208221_507847678017743_1562532568909218910_n.png\" data-tooltip-text=\"IOF: Imposto sobre Opera\u00e7\u00f5es Financeiras \u2013 guia completo\" target=\"_blank\" rel=\"noreferrer\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0751582278481015% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.404531em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; text-decoration: underline; color: #1263ff\">Leia a mat\u00e9ria completa<\/span><\/span><\/h3>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>voc\u00ea vai entender como o IOF funciona na pr\u00e1tica, quais s\u00e3o suas al\u00edquotas, quando ele \u00e9 cobrado e como sua empresa pode se planejar para reduzir impactos financeiros.<\/p>\n","protected":false},"author":11,"featured_media":62330,"template":"","meta":{"web_stories_publisher_logo":61602,"web_stories_poster":[],"web_stories_products":[],"footnotes":""},"web_story_category":[],"web_story_tag":[3594,3598,3593,3597,3592,3590,3596,3589,3595,3591,3502,3489,3500],"class_list":["post-62324","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O que \u00e9 IOF? | CLM Controller<\/title>\n<meta name=\"description\" content=\"O que \u00e9 IOF?. Conte com a melhor contabilidade do Brasil. CLM Controller\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/clmcontroller.com.br\/en\/web-stories\/what-is-iof\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O que \u00e9 IOF? | CLM Controller\" \/>\n<meta property=\"og:description\" content=\"O que \u00e9 IOF?. Conte com a melhor contabilidade do Brasil. 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