Husky vs Ruvo
Husky converts your dollars to reais the moment they arrive. Ruvo is a full dollar account you control, with a flat 0.3%, a 0% IOF card, and your own US account details. Here is the difference.
Receive-and-convert vs a dollar account you control
You keep the dollars
- Receiving dollars on Ruvo is free, with instant access.
- Hold the balance in dollars and convert to reais only when the rate is good, or when you actually need the reais.
- Spend the dollar balance directly, with no conversion at all.
The fee: 0.3% flat, and why it stays that way
A worked example: US$7,500 a month
- Spending in dollars: with Ruvo, receiving is free and the card is 0% IOF and 0% spread, so you pay $0. Husky converts every dollar to reais on arrival and has no card.
- Converting everything to reais: Ruvo at 0.3% is about $22.50/month ($270/year); Husky's standard 1% to 2% is about $75 to $150/month ($900 to $1,800/year). That is roughly $630 to $1,530 saved per year, with the dollars you spend on the card free on top.
Where the real savings are: the card
A real US account, and sending money your way
- Pay yourself, friends, family or suppliers.
- By Pix, ACH, RTP (instant), wire, or crypto.
Ruvo also covers your personal side
- Open a personal (PF) account alongside your business (PJ) one.
- Free transfers between your PJ and PF accounts.
- Personal accounts earn yield on your dollar balance, with equity investing being added on top.
A note on fees
Husky vs Ruvo, side by side
| Criteria | Ruvo | Husky |
|---|---|---|
| Model | A dollar account you control | Receive-and-convert (SWIFT) |
| Control the dollars? | Yes (hold in USD) | No (converts on arrival) |
| IOF | 0% | None (fee only) |
| Conversion fee | 0.3% flat, always | ~1%–2% (0.3% often promotional) |
| International card | 0% IOF, 0% spread | None |
| Send money | Pix, ACH, RTP, wire, crypto | No (receive + convert) |
| US account details | Your own (routing + account #) | No (SWIFT to Husky) |
| Accounts | Business + personal (free PJ↔PF) | Business only |
Husky is a receive-and-convert service: it receives your dollars over SWIFT and converts them to reais on arrival. It was acquired by Nomad and is being integrated.
No, Husky converts incoming dollars to reais automatically. Ruvo lets you hold a dollar balance and convert only when you choose, or spend the dollars directly.
Yes. Ruvo's 0.3% is a flat rate, published on our site with no promo and no fine print. Husky's low rate tends to be temporary or conditional, partly because it settles over SWIFT, which is more expensive; its standard conversion usually runs 1% to 2%.
Often the card, not the conversion fee. Ruvo's dollar card has 0% IOF, while a Brazilian card adds 3.5% IOF plus a 2% to 5% FX markup on dollar spend. For frequent dollar spenders that saves far more than any conversion-fee difference. Husky has no card.
No. Ruvo gives you a 0% IOF card and your own US routing and account number for ACH, wire and direct deposits.
Yes. Beyond your business (PJ) account, you can open a personal (PF) account, move money between them for free, and earn yield on your personal dollars, with equity investing being added. Husky is business-only.
