Services
| Services | Fees |
| Opening account | US$ 0 |
| Monthly maintenance fee | US$ 0 |
Currency conversion¹
| Exchange via App | Minimum | Fees | Limits |
| Send USD to the Nomad International Account (BRL > USD) |
R$ 50 |
US dollar commercial rate Conversion fee from 1%* Expenses 3.5% |
Custom Being able to reach up to: R$ 200,000 per transaction |
| Send EUR to the Nomad International Account (BRL > EUR) |
R$ 50 |
Euro commercial rate Conversion fee from 1%* Expenses 3.5% |
Custom Being able to reach up to: R$ 200,000 per transaction |
|
Send USD to the Investment Account (BRL > USD) |
R$ 300 |
Commercial rate + Conversion fee from 1%* Expenses 1.1% |
Custom Being able to reach up to: R$ 500,000 per transaction |
|
Send BRL back to Brazil (USD > BRL) |
US$ 8 |
US dollar commercial rate + Conversion fee from 1%* Expenses 0.38% |
US$ 100,000 per transaction |
|
Send BRL back to Brazil (EUR > BRL) |
€ 8 |
Euro commercial rate + Conversion fee from 1%* Expenses 0.38% |
US$ 100,000 per transaction*** |
| Withdraw balance in BRL | - | - | R$ 600,000 per transaction |
|
Conversion between US dollar and euro (USD <> EUR) |
US$ 8 or € 8 | Commercial rate + Expenses 0.30% | US$ 100,000 per transaction*** |
*The conversion fee varies according to the Nomad Pass Program. Nomad may, at its sole and absolute discretion, waive or offer discounts on the conversion fees listed in this table on a temporary basis or for a fixed term, without prejudice to the reinstatement of full charges at any time.
Attention: outside bank business hours, daily transaction limits may be affected.
***The fees and limits for the International Account and International Debit Card are determined by the Financial Institution, in accordance with the Deposit Account Agreement and Cardholder Agreement; Nomad does not establish, administer or enforce them. For your convenience, Nomad applies a consolidated limit, at the customer level, for certain transactions, calculated in US dollars for internal control; these limits are established and administered exclusively by Nomad and do not constitute limits described in the Deposit Account Agreement and Cardholder Agreement.
Currency exchange¹
| Description | Minimum | Fees | Limits |
| Nomad Installment (send US dollars to the Nomad International Account, paying with a Brazilian credit card) | US$ 100 |
Commercial rate + Operating rate from 1%* + IOF 3.5% + Installment cost**
|
US$ 1,500/day |
*Operating rate changes according to the Nomad Pass Program.
**The installment cost varies based on the number of installments selected.
¹Depending on the service used in the app, your transaction may be carried out through a currency exchange by transferring funds to an Ouribank account held in your name, or through a currency conversion, by transferring via Pix key.
Nomad International Account
| Transfers | Minimum | Fees | Limits |
| Send US dollars to another Nomad International Account | US$ 1 | US$ 0 |
US$ 50,000 daily US$ 100,000 monthly US$ 200,000 yearly |
| Send euros to another Nomad International Account | € 1 | € 0 |
US$ 5,000 daily**** US$ 10,000 monthly**** US$ 50,000 yearly**** |
| Send US dollars via Domestic Wire¹ | US$ 1 | US$ 10* |
US$ 100,000 daily US$ 250,000 monthly US$ 500,000 yearly |
| Send money via ACH (Push) to another US bank | - | US$ 10* |
US$ 50,000 daily** US$ 100,000 monthly** US$ 500,000 yearly** |
| Send US dollars via Fast ACH to another US bank | - | US$ 12* | |
| Send US dollars via ACH Pull¹ to another US bank | - | US$ 0 | |
| Receive US dollars from a Nomad International Account | US$ 1 | US$ 0 |
US$ 5,000 daily US$ 10,000 monthly US$ 50,000 yearly |
| Receive euros from a Nomad International Account | € 1 | € 0 |
US$ 5,000 daily**** US$ 10,000 monthly**** US$ 50,000 yearly**** |
| Receive US dollars through ACH Push | - | US$ 0 |
US$ 50,000 daily** US$ 100,000 monthly** US$ 500,000 yearly** |
| Receive US dollars via Wire | - | US$ 6*** |
US$ 100,000 daily US$ 250,000 monthly US$ 500,000 yearly |
¹Only for other US-based accounts with the same ownership.
* In case of a transfer return, Nomad will not refund this fee.
**Limits are also used to send/receive transfers to the Nomad investment account.
***Customers at levels 4 or 5 of the Nomad Pass program will be exempt from this fee. Intermediary banks can charge extra fees.
****The fees and limits for the International Account and International Debit Card are determined by the Financial Institution, in accordance with the Deposit Account Agreement and Cardholder Agreement; Nomad does not establish, administer or enforce them. For your convenience, Nomad applies a consolidated limit, at the customer level, for certain transactions, calculated in US dollars for internal control; these limits are established and administered exclusively by Nomad and do not constitute limits described in the Deposit Account Agreement and Cardholder Agreement.
Nomad International Debit Card
| Services | Fees |
| Nomad International Debit Card Issuance | US$ 0 |
| Plastic Card Delivery - Nomad International Debit Card | US$ 20* |
*The delivery fee for your first card issue is waived from the second level of the Nomad Pass forward.
| Operation | Fees | Limits |
|
Card Purchases (Signature and PIN) |
US$ 0 |
US$ 10,000/day**** US$ 30,000/month US$ 50,000/year |
| Cash Withdrawals in US dollars | US$ 5* |
US$ 2,000/day US$ 10,000/month US$ 50,000/year |
| Cash Withdrawals in euros | € 5** |
US$ 2,000/day*** US$ 10,000/month*** US$ 50,000/year*** |
*Nomad will not charge fees when you withdraw from MoneyPass ATMs. Outside of the MoneyPass ATM network, the first two (2) ATM withdrawals in US dollars per month are at no cost; afterward, Nomad will charge a fee of US$5 (five US dollars) per withdrawal.
**The first two (2) withdrawals in euros per month are at no cost, after that Nomad will charge a fee of € 5 (five euros) per withdrawal.
***The fees and limits for the International Account and International Debit Card are determined by the Financial Institution, in accordance with the Deposit Account Agreement and Cardholder Agreement; Nomad does not establish, administer or enforce them. For your convenience, Nomad applies a consolidated limit, at the customer level, for certain transactions, calculated in US dollars for internal control; these limits are established and administered exclusively by Nomad and do not constitute limits described in the Deposit Account Agreement and Cardholder Agreement.
****Number of transactions: maximum of 4 withdrawals per day, up to the value of US$ 500 (five hundred US dollars) per transaction.
Purchases made via the payment wallet have their payment limits. To learn more, check the instructions for Google Pay and Apple Pay.
Nomad Explorer Credit Card
| Description | Fees |
| Annual fee | R$ 0* |
| Plastic Card Delivery | R$ 0 |
Operations
| Description | Fees |
| International Purchase¹ | IOF 3.35% + Operational Fee 3.5% |
| Domestic Withdrawal |
Fee 13.99% + Fee R$ 6.50 per withdrawal |
| International Withdrawal |
Fee 13.99% + Fee R$ 6.50 per withdrawal |
| lnvoice Payment | 12.90% |
| Approx. Total Effective Cost (TEC) | 14.20% |
¹With Nomad Explorer, you can make domestic and international purchases. For international transactions, the reference currency will always be the dollar.
If there is a delay in paying your credit card bill, the following charges will be applied:
| Description | Fees |
| Fixed fine on the total amount of the bill | 2% |
|
Late payment interest on the amount of the bill (proportional to the number of days late) |
1% per month |
|
Late fees on the amount of the bill (proportional to the number of days late) |
13.99% per month |
| Fixed IOF on the total amount of the bill | 0.38% |
|
Daily IOF on the amount of the bill (proportional to the number of days late) |
0.0082% per month |
Installments
| Description | Fees |
| Invoice Installment | 11.99% per month |
| Mandatory Installment | 11.99% per month |
| Purchase Installment with Interest | 1.99% |
Investments
| Transfers | Minimum | Fees | Limits |
| Send money from a Nomad International Account to a Nomad Investment Account | US$ 50 | US$ 0 |
US$50,000 daily* US$100,000 monthly* US$500,000 yearly* |
| Send money from a Nomad Investment Account to a Nomad International Account | US$ 50 | US$ 0 |
US$50,000 daily** US$100,000 monthly** US$500,000 yearly** |
*Limits are also used to send to/receive from other financial institutions (via ACH).
Nomad Wealth
| Description | Fees |
| Investment Advisory Services | R$ 0 * |
*Service available for clients with US$25,000 or more available for investment on the Nomad platform, according to the terms of the service agreement.
Nomad Investment Services
To view the costs and fees for the Nomad Investment Account (brokerage), such as fees applied to Stocks, ETFs, REITs and Bonds, as well as custody transfer fees, go to Fees > Fees applied section on the Nomad Investment Services website: https://nis.nomadglobal.com/en/documents.