Different models
Husky is a receive-and-convert service: every incoming dollar is converted to reais on arrival, over SWIFT. It is part of the Nomad group and still runs as its own product. Wise is a global transfer platform built for moving money across many currencies.
What each costs
Husky charges up to 1% on conversions above US$1,000, and US$10 flat for amounts up to US$1,000. Wise applies 3.5% IOF plus its fee, about 4.2% all-in for BRL to USD.
The difference of a dollar account you control
- 0% IOF on every operation.
- Receiving dollars is free; converting to reais is 0.3% for businesses (0.9% for individuals) when you choose.
- Hold the balance in digital dollars (USDC/USDT).
- Instant Pix and an international card with 0% IOF, which Husky does not offer.
A note on fees
Third-party fees and products change, and Husky is now part of the Nomad group. Data is from mid-2026; confirm on official channels before deciding.
Ruvo vs Husky vs Wise
| Criteria | Ruvo | Husky | Wise |
|---|---|---|---|
| Model | A dollar account you control | Receive-and-convert (SWIFT) | Global transfers |
| IOF | 0% | Applied on conversion | 3.5% |
| Conversion cost | Free receive, 0.5% convert | Up to 1% (US$10 under US$1k) | 3.5% IOF + fee (~4.2%) |
| International card | 0% IOF, 0% spread | None | Yes (0% spread) |
| Settlement | Instant (Pix) | Over SWIFT | Seconds to 1 business day |
Sources
- Decree 12.499/2025, IOF rates (Planalto)
- IOF rate guide for Decree 12.499/2025 (Lefosse)
- IOF on international operations, what changed (CRCSP)
Published on June 29, 2026 · Updated on October 7, 2026
Competitor prices and features may have changed since publication. Spotted something outdated? Write to ajuda@ruvo.com.
This content is for information only and is not financial or tax advice. How we write
