On what operations will the spread fee reduction apply?

Your reduced service fee will be applied every time you add funds to your Nomad account through the app, that being a checking or an investment account. The same is valid when transferring funds to Brazil.

For transfers from Brazil to the United States, the reduced service fee will be applied during the quote currency, when you reach a greater level on Nomad Pass, considering your current balance of valid points and the quoted price.