OFX vs Wise
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | OFX | Wise |
|---|---|---|
| Puntuación | 4.0 / 5 | 4.5 / 5 |
| Ideal para | Larger international money transfers | Cheap, transparent international transfers |
| Comisión mensual | Free | Free (one-time card fee in some regions) |
| Tipo de cambio | Exchange-rate margin (better on larger amounts) | Mid-market + transparent fee (often <0.5%) |
| Enviar / recibir | No OFX transfer fee | Low variable fee (~0.33%+) |
| Retiradas | Bank-to-bank delivery | Free up to a monthly cap, then small fee |
| Tarjeta | No card — bank-to-bank transfers only | Yes — physical & virtual debit Mastercard |
| Disponibilidad | 170+ countries | 160+ countries |
| Divisas | 50+ currencies | 40+ currencies |
| Regulación | ASIC (AU), FinCEN (US), FCA (UK), FINTRAC (CA) | FCA (UK), NBB (Belgium), FinCEN (US) |
| Fundación | 1998 | 2011 |
OFX
OFX is a long-established international money-transfer specialist covering 170+ countries and 50+ currencies with no transfer fees and 24/7 human support. It earns through a margin on the exchange rate that tightens on larger transfers, making it best suited to bigger bank-to-bank moves rather than small everyday spending. There is no card or cash pickup, and a minimum transfer amount applies.
Pros
- No transfer fees on transfers
- 24/7 human phone support
- 170+ countries and 50+ currencies
Contras
- Minimum transfer amount applies
- No cash pickup or card spending
- Not instant — bank delivery times
Wise
Wise (formerly TransferWise) is the benchmark for transparent, low-cost international transfers, using the real mid-market rate plus a small visible fee. Its multi-currency account holds 40+ currencies with local account details, making it ideal for freelancers and frequent travellers. It is an e-money provider rather than a full bank, so it lacks credit products and bank-style deposit insurance.
Pros
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Contras
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
En resumen
En conjunto, Wise se adelanta con una puntuación de 4.5 frente a 4.0, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.