Revolut vs OFX
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Revolut | OFX |
|---|---|---|
| Оценка | 4.4 / 5 | 4.0 / 5 |
| Лучше всего для | Travel spending and an all-in-one app | Larger international money transfers |
| Ежемесячная комиссия | Free to ~$16.99/mo (Standard→Metal) | Free |
| Курс обмена | Mid-market weekdays; ~1% weekend on Standard | Margin on the exchange rate, varies by currency and amount (not published as a %) |
| Отправка / получение | Free between Revolut users | No OFX transfer fee (UK, IE, US); AU$15 under AU$10,000 in Australia |
| Выводы средств | Free up to a monthly limit, then ~2% | Bank-to-bank delivery; third-party banks may deduct fees |
| Карта | Yes — virtual & physical debit; Metal on premium | No card — bank-to-bank transfers only |
| Доступность | 40+ markets; cards usable in 160+ countries | Regional services incl. UK, Ireland, US, Canada, Australia, New Zealand and Hong Kong |
| Валюты | 30+ in-app (spend in 120+) | Major currencies (bank-to-bank; no personal balance held) |
| Регулирование | 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) |
| Основан | 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.
Плюсы
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Минусы
- 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).
Плюсы
- 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
Минусы
- Minimum transfer (GBP 100 UK, US$150 US, AU$250 AU)
- No personal multi-currency account or card
- Not instant — bank delivery times
Итог
В целом Revolut выходит вперёд с оценкой 4.4 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.