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 | Exchange-rate margin (better on larger amounts) |
| Отправка / получение | Free between Revolut users | No OFX transfer fee |
| Выводы средств | Free up to a monthly limit, then ~2% | Bank-to-bank delivery |
| Карта | Yes — virtual & physical debit; Metal on premium | No card — bank-to-bank transfers only |
| Доступность | 40+ markets; cards usable in 160+ countries | 170+ countries |
| Валюты | 30+ in-app (spend in 120+) | 50+ currencies |
| Регулирование | Bank of Lithuania (ECB), UK banking licence, FCA | ASIC (AU), FinCEN (US), FCA (UK), FINTRAC (CA) |
| 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 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.
Плюсы
- No transfer fees on transfers
- 24/7 human phone support
- 170+ countries and 50+ currencies
Минусы
- Minimum transfer amount applies
- No cash pickup or card spending
- 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.