Venmo vs OFX
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Venmo | OFX |
|---|---|---|
| Note | 4.1 / 5 | 4.0 / 5 |
| Idéal pour | Splitting bills with US friends | Larger international money transfers |
| Frais mensuels | Free | Free |
| Taux de change | N/A (US-only) | Margin on the exchange rate, varies by currency and amount (not published as a %) |
| Envoyer / recevoir | Free from balance/bank/debit; instant 1.75% | No OFX transfer fee (UK, IE, US); AU$15 under AU$10,000 in Australia |
| Retraits | Standard free; instant 1.75% | Bank-to-bank delivery; third-party banks may deduct fees |
| Carte | Yes — Venmo Visa debit (and a Visa credit card) | No card — bank-to-bank transfers only |
| Disponibilité | United States only | Regional services incl. UK, Ireland, US, Canada, Australia, New Zealand and Hong Kong |
| Devises | USD | Major currencies (bank-to-bank; no personal balance held) |
| Réglementation | 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) |
| Création | 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.
Avantages
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Inconvénients
- 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).
Avantages
- 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
Inconvénients
- Minimum transfer (GBP 100 UK, US$150 US, AU$250 AU)
- No personal multi-currency account or card
- Not instant — bank delivery times
En résumé
Globalement, Venmo prend l'avantage avec une note de 4.1 contre 4.0 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.