Venmo vs OFX
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Venmo | OFX |
|---|---|---|
| Puntuación | 4.1 / 5 | 4.0 / 5 |
| Ideal para | Splitting bills with US friends | Larger international money transfers |
| Comisión mensual | Free | Free |
| Tipo de cambio | N/A (US-only) | Margin on the exchange rate, varies by currency and amount (not published as a %) |
| Enviar / recibir | Free from balance/bank/debit; instant 1.75% | No OFX transfer fee (UK, IE, US); AU$15 under AU$10,000 in Australia |
| Retiradas | Standard free; instant 1.75% | Bank-to-bank delivery; third-party banks may deduct fees |
| Tarjeta | Yes — Venmo Visa debit (and a Visa credit card) | No card — bank-to-bank transfers only |
| Disponibilidad | United States only | Regional services incl. UK, Ireland, US, Canada, Australia, New Zealand and Hong Kong |
| Divisas | USD | Major currencies (bank-to-bank; no personal balance held) |
| Regulación | FinCEN (MSB), US state licences; PayPal-owned | FCA e-money institution (UK, FRN 902028), Central Bank of Ireland (IE), ASIC (AU), licensed money transmitter NMLS 1021624 (US) |
| Fundación | 2009 | 1998 |
Venmo
Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed. Standard transfers are free, but instant cash-outs and credit-card funding carry fees, and it is strictly US-only. Best suited to American users who want a quick, familiar way to pay friends.
Pros
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Contras
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
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).
Pros
- 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
Contras
- Minimum transfer (GBP 100 UK, US$150 US, AU$250 AU)
- No personal multi-currency account or card
- Not instant — bank delivery times
En resumen
En conjunto, Venmo se adelanta con una puntuación de 4.1 frente a 4.0, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.