Revolut vs OFX
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | OFX |
|---|---|---|
| Оцінка | 4.4 / 5 | 4.0 / 5 |
| Найкраще для | Travel spending and an all-in-one app | Larger international money transfers |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | Margin on the exchange rate, varies by currency and amount (not published as a %) |
| Надсилання / отримання | Free between Revolut users | No OFX transfer fee (UK, IE, US); AU$15 under AU$10,000 in Australia |
| Виведення коштів | Free up to a monthly limit, then ~2% | Bank-to-bank delivery; third-party banks may deduct fees |
| Картка | Yes — virtual & physical debit; Metal on premium | No card — bank-to-bank transfers only |
| Доступність | 40+ markets; cards usable in 160+ countries | Regional services incl. UK, Ireland, US, Canada, Australia, New Zealand and Hong Kong |
| Валюти | 30+ in-app (spend in 120+) | Major currencies (bank-to-bank; no personal balance held) |
| Регулювання | 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) |
| Засновано | 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.
Плюси
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Мінуси
- 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).
Плюси
- 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
Мінуси
- Minimum transfer (GBP 100 UK, US$150 US, AU$250 AU)
- No personal multi-currency account or card
- Not instant — bank delivery times
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 4.0 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.