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) | Exchange-rate margin (better on larger amounts) |
| Envoyer / recevoir | Free from balance/bank/debit; instant 1.75% | No OFX transfer fee |
| Retraits | Standard free; instant 1.75% | Bank-to-bank delivery |
| Carte | Yes — Venmo Visa debit (and a Visa credit card) | No card — bank-to-bank transfers only |
| Disponibilité | United States only | 170+ countries |
| Devises | USD | 50+ currencies |
| Réglementation | FinCEN (MSB), US state licences; PayPal-owned | ASIC (AU), FinCEN (US), FCA (UK), FINTRAC (CA) |
| 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 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.
Avantages
- No transfer fees on transfers
- 24/7 human phone support
- 170+ countries and 50+ currencies
Inconvénients
- Minimum transfer amount applies
- No cash pickup or card spending
- 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.