Alipay vs OFX
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Alipay | OFX |
|---|---|---|
| Skóre | 4.2 / 5 | 4.0 / 5 |
| Nejlepší pro | Everyday payments in China | Larger international money transfers |
| Měsíční poplatek | Free | Free |
| Směnný kurz | FX spread for inbound visitors | Margin on the exchange rate, varies by currency and amount (not published as a %) |
| Odeslat / přijmout | Free P2P in China; ~0.1% balance-to-bank | No OFX transfer fee (UK, IE, US); AU$15 under AU$10,000 in Australia |
| Výběry | ~0.1% to bank (China) | Bank-to-bank delivery; third-party banks may deduct fees |
| Karta | No physical card; QR-code linking bank cards | No card — bank-to-bank transfers only |
| Dostupnost | China-centric; many countries via partners | Regional services incl. UK, Ireland, US, Canada, Australia, New Zealand and Hong Kong |
| Měny | CNY; FX via Tour Pass | Major currencies (bank-to-bank; no personal balance held) |
| Regulace | People's Bank of China (PBOC); Ant Group | FCA e-money institution (UK, FRN 902028), Central Bank of Ireland (IE), ASIC (AU), licensed money transmitter NMLS 1021624 (US) |
| Založeno | 2004 | 1998 |
Alipay
Alipay is one of China's two dominant payment super-apps, with over a billion users and QR-code acceptance across virtually all Chinese merchants, bundling payments, transfers, investing and lifestyle services. Foreign visitors can pay via the Tour Pass feature but face FX spreads and verification hurdles. Essential for spending in China but of limited use elsewhere.
Klady
- Over a billion users; ubiquitous in China
- Super-app: payments, transfers, investing, lifestyle
- QR payments accepted almost everywhere
Zápory
- Primarily useful inside China
- Visitors face FX spreads & verification
- Heavy regulatory oversight of Ant Group
OFX
OFX is an international money-transfer specialist for bank-to-bank transfers. It charges no transfer fee in the UK, Ireland and the US (AU$15 under AU$10,000 in Australia) and earns a margin on the exchange rate that depends on the currency and amount. There is no personal multi-currency account or card, and minimum transfers apply (GBP 100 in the UK, US$150 in the US).
Klady
- No OFX transfer fee in the UK, Ireland and US
- 24/7 support (stated on the OFX UK site)
- Margin depends on currency and amount, suits larger transfers
Zápory
- Minimum transfer (GBP 100 UK, US$150 US, AU$250 AU)
- No personal multi-currency account or card
- Not instant — bank delivery times
Závěr
Celkově se Alipay dostává mírně dopředu se skóre 4.2 oproti 4.0 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.