Comparison
Nomad vs Husky
Nomad acquired Husky, but they still serve different profiles. Here is the comparison, plus a zero-IOF alternative.
Same owner, different propositions
Nomad acquired Husky. Husky started focused on receive-and-convert for 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 1.1% IOF, an FX spread that improves only by loyalty tier (the best rate requires roughly $20,000 invested) and about $10 per transfer. Husky converts on arrival over SWIFT, at a standard 1% to 2%.
The alternative: Ruvo
Ruvo keeps a flat, simple structure:
- 0% IOF on every operation, no tiers.
- 0.5% per conversion, and receiving dollars is free.
- A dollar balance you control (USDT/USDC), in or out by instant Pix.
- An international card with 0% IOF and 0% spread.
A note on fees
With the Husky and Nomad integration underway, 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% | 1.1% | Applied on conversion |
| FX to convert | 0.5% per conversion | 1%–2% (by tier) | ~1%–2% (standard) |
| Best rate requires | Nothing | Tier 5 (~$20k) | Promo/selective |
| International card | 0% IOF, 0% spread | Yes | None |
Yes. Nomad acquired Husky, and the products are being integrated. They still serve different profiles, Husky for receive-and-convert and Nomad as a dollar account with investing.
It depends on use. Husky runs around 1% to 2% on conversion; Nomad adds 1.1% IOF plus tiered FX. Ruvo is lower than both: 0% IOF, 0.5% per conversion, free to receive.
Yes. Ruvo keeps 0% IOF on every operation, with a dollar balance you control and an international card with no spread.
