Revolut vs OFX
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Revolut | OFX |
|---|---|---|
| Ocena | 4.4 / 5 | 4.0 / 5 |
| Najlepszy do | Travel spending and an all-in-one app | Larger international money transfers |
| Opłata miesięczna | Free to ~$16.99/mo (Standard→Metal) | Free |
| Kurs wymiany | Mid-market weekdays; ~1% weekend on Standard | Margin on the exchange rate, varies by currency and amount (not published as a %) |
| Wysyłanie / odbiór | Free between Revolut users | No OFX transfer fee (UK, IE, US); AU$15 under AU$10,000 in Australia |
| Wypłaty | Free up to a monthly limit, then ~2% | Bank-to-bank delivery; third-party banks may deduct fees |
| Karta | Yes — virtual & physical debit; Metal on premium | No card — bank-to-bank transfers only |
| Dostępność | 40+ markets; cards usable in 160+ countries | Regional services incl. UK, Ireland, US, Canada, Australia, New Zealand and Hong Kong |
| Waluty | 30+ in-app (spend in 120+) | Major currencies (bank-to-bank; no personal balance held) |
| Regulacja | 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) |
| Założono | 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.
Zalety
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Wady
- 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).
Zalety
- 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
Wady
- Minimum transfer (GBP 100 UK, US$150 US, AU$250 AU)
- No personal multi-currency account or card
- Not instant — bank delivery times
Podsumowanie
Ogólnie Revolut wysuwa się na prowadzenie z wynikiem 4.4 wobec 4.0 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.