Revolut vs OFX
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Revolut | OFX |
|---|---|---|
| Puntuación | 4.4 / 5 | 4.0 / 5 |
| Ideal para | Travel spending and an all-in-one app | Larger international money transfers |
| Comisión mensual | Free to ~$16.99/mo (Standard→Metal) | Free |
| Tipo de cambio | Mid-market weekdays; ~1% weekend on Standard | Margin on the exchange rate, varies by currency and amount (not published as a %) |
| Enviar / recibir | Free between Revolut users | No OFX transfer fee (UK, IE, US); AU$15 under AU$10,000 in Australia |
| Retiradas | Free up to a monthly limit, then ~2% | Bank-to-bank delivery; third-party banks may deduct fees |
| Tarjeta | Yes — virtual & physical debit; Metal on premium | No card — bank-to-bank transfers only |
| Disponibilidad | 40+ markets; cards usable in 160+ countries | Regional services incl. UK, Ireland, US, Canada, Australia, New Zealand and Hong Kong |
| Divisas | 30+ in-app (spend in 120+) | Major currencies (bank-to-bank; no personal balance held) |
| Regulación | Bank of Lithuania (ECB), UK banking licence, FCA | FCA e-money institution (UK, FRN 902028), Central Bank of Ireland (IE), ASIC (AU), licensed money transmitter NMLS 1021624 (US) |
| Fundación | 2015 | 1998 |
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Pros
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Contras
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
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).
Pros
- 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
Contras
- Minimum transfer (GBP 100 UK, US$150 US, AU$250 AU)
- No personal multi-currency account or card
- Not instant — bank delivery times
En resumen
En conjunto, Revolut se adelanta con una puntuación de 4.4 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.