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