Venmo vs OFX
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Venmo | OFX |
|---|---|---|
| Оценка | 4.1 / 5 | 4.0 / 5 |
| Лучше всего для | Splitting bills with US friends | Larger international money transfers |
| Ежемесячная комиссия | Free | Free |
| Курс обмена | N/A (US-only) | Margin on the exchange rate, varies by currency and amount (not published as a %) |
| Отправка / получение | Free from balance/bank/debit; instant 1.75% | No OFX transfer fee (UK, IE, US); AU$15 under AU$10,000 in Australia |
| Выводы средств | Standard free; instant 1.75% | Bank-to-bank delivery; third-party banks may deduct fees |
| Карта | Yes — Venmo Visa debit (and a Visa credit card) | No card — bank-to-bank transfers only |
| Доступность | United States only | Regional services incl. UK, Ireland, US, Canada, Australia, New Zealand and Hong Kong |
| Валюты | USD | Major currencies (bank-to-bank; no personal balance held) |
| Регулирование | 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) |
| Основан | 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.
Плюсы
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Минусы
- 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).
Плюсы
- 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
Минусы
- Minimum transfer (GBP 100 UK, US$150 US, AU$250 AU)
- No personal multi-currency account or card
- Not instant — bank delivery times
Итог
В целом Venmo выходит вперёд с оценкой 4.1 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.