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 | Exchange-rate margin (better on larger amounts) |
| Enviar / recibir | Free between Revolut users | No OFX transfer fee |
| Retiradas | Free up to a monthly limit, then ~2% | Bank-to-bank delivery |
| Tarjeta | Yes — virtual & physical debit; Metal on premium | No card — bank-to-bank transfers only |
| Disponibilidad | 40+ markets; cards usable in 160+ countries | 170+ countries |
| Divisas | 30+ in-app (spend in 120+) | 50+ currencies |
| Regulación | Bank of Lithuania (ECB), UK banking licence, FCA | ASIC (AU), FinCEN (US), FCA (UK), FINTRAC (CA) |
| 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 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
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.