OFX (US)
Depends
Confidence: Medium
Buy if you're a business or individual making mid-sized, recurring international transfers where the no-fee, 0.5-3.9% rate markup beats bank wires.
Comparison
OFX (US) vs Revolut
OFX (US) and Revolut both land on Depends.
Revolut
Depends
Confidence: Medium
Buy it as a free travel and everyday spending card if you keep balances small.
| Compare | OFX (US) | Revolut |
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Mid-sized recurring international transfers | Frequent travelers and currency exchangers |
| Who it's not for | One-off small transfers - markup and fixed fees eat them | Anyone parking large life savings . freeze reports exist |
| Privacy | No known public vulnerabilities found in the sources reviewed.11 | Confirmed 2026 breach: customer data leaked via fake government requests; ~700 accounts affected, $3M ransom reportedly demanded.16 |
| Support quality | 24/7 agents; customer service repeatedly praised | Frozen-fund complaints; security issues reportedly unresolved |
| Public sentiment | Reviewers rate OFX 4.3/5 with reliable 24/7 support, but some users report frozen funds and unexplained account closures.¹ | Users love the app for travel and daily spending, but many report expensive tiers, frozen funds, and ignored security complaints.12 |
| Biggest gotcha | The 'no fee' pitch masks a 0.5-3.9% exchange-rate margin - the real cost² | Breach came via fake government requests; 680 high-profile accounts, $3M ransom reportedly demanded |
Pick OFX (US) when
- Mid-sized recurring international transfers
- SMBs paying overseas suppliers and invoices
- Senders who want 24/7 human phone support
- Businesses holding multiple currency balances
When OFX (US) is not a fit
- One-off small transfers - markup and fixed fees eat them
- Anyone needing same-day transfers
- Risk-averse users: reported freezes and closures without explanation
- Tiny budgets - Wise or Remitly fit better
Pick Revolut when
- Frequent travelers and currency exchangers
- Mobile-first everyday bankers
- Freelancers invoicing in multiple currencies
- Small businesses wanting multi-currency accounts
When Revolut is not a fit
- Anyone parking large life savings . freeze reports exist
- Privacy-sensitive users wary after the data breach
- Businesses needing compliance-heavy or high-risk payment support
- People wanting branch banking or in-person service
Sources
- OFX USA Money Transfer Reviewfxcompared.comreview
- OFX fees guide (2024) - Wisewise.comreview
review
review
- OFX Read Customer Complaints and Reviews - Xolviesikayetvar.comreview
review
- Rates and Fees - OFX (US)ofx.comofficial
- Pricing - OFX (US) Businessofx.comofficial
- Fee Schedule - OFX (US)ofx.comofficial
- State Licensing - OFX (US)ofx.comofficial
- Security - OFX (US)ofx.comsecurity
- Revolut Reviews . Trustpilottrustpilot.comreview
- Revolut Review: Checking and Savings . NerdWalletnerdwallet.comreview
- REVOLUT Products . G2g2.comreview
security