Wise vs OFX
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Wise | OFX |
|---|---|---|
| Оценка | 4.5 / 5 | 4.0 / 5 |
| Лучше всего для | Cheap, transparent international transfers | Larger international money transfers |
| Ежемесячная комиссия | Free (one-time card fee in some regions) | Free |
| Курс обмена | Mid-market + transparent fee (often <0.5%) | Exchange-rate margin (better on larger amounts) |
| Отправка / получение | Low variable fee (~0.33%+) | No OFX transfer fee |
| Выводы средств | Free up to a monthly cap, then small fee | Bank-to-bank delivery |
| Карта | Yes — physical & virtual debit Mastercard | No card — bank-to-bank transfers only |
| Доступность | 160+ countries | 170+ countries |
| Валюты | 40+ currencies | 50+ currencies |
| Регулирование | FCA (UK), NBB (Belgium), FinCEN (US) | ASIC (AU), FinCEN (US), FCA (UK), FINTRAC (CA) |
| Основан | 2011 | 1998 |
Wise
Wise (formerly TransferWise) is the benchmark for transparent, low-cost international transfers, using the real mid-market rate plus a small visible fee. Its multi-currency account holds 40+ currencies with local account details, making it ideal for freelancers and frequent travellers. It is an e-money provider rather than a full bank, so it lacks credit products and bank-style deposit insurance.
Плюсы
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Минусы
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
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.
Плюсы
- No transfer fees on transfers
- 24/7 human phone support
- 170+ countries and 50+ currencies
Минусы
- Minimum transfer amount applies
- No cash pickup or card spending
- Not instant — bank delivery times
Итог
В целом Wise выходит вперёд с оценкой 4.5 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.