Same owner, different propositions
Nomad acquired Husky. Husky started focused on receive-and-convert for contractors and/or freelancers; Nomad is a dollar account with investing. Even within the same group, the experience and fees remain distinct.
IOF, FX and structure
Nomad charges 3.5% IOF when you fund the account, an FX spread that improves only by Nomad Pass tier (the best rate needs more than 20,000 points) and US$10 to send back to Brazil. Husky converts on arrival over SWIFT, at up to 1% (US$10 flat for amounts up to US$1,000).
The alternative: Ruvo
- 0% IOF on every operation, no tiers.
- 0.5% per conversion, and receiving dollars is free.
- A dollar balance you control (USDC/USDT), in or out by instant Pix.
- An international card with 0% IOF and 0% spread.
A note on fees
Husky and Nomad are in the same group, and fees and products may change. Data is from mid-2026; verify official channels before deciding.
Ruvo vs Nomad vs Husky
| Criteria | Ruvo | Nomad | Husky |
|---|---|---|---|
| Model | Bidirectional dollar account | Dollar account + investing | Receive-and-convert (SWIFT) |
| IOF | 0% | 3.5% | Applied on conversion |
| FX to convert | 0.5% per conversion | 1%–2% (by tier) | Up to 1% (US$10 under US$1k) |
| Best rate requires | Nothing | Tier 5 (20k+ points) | Above US$1,000 |
| International card | 0% IOF, 0% spread | Yes | None |
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 Spotted something outdated?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
