OFX
OFX: A strong fit for planned bank transfers, recurring payments, and FX management. Ranked #11 of 81 in Money Transfer Apps by our editors (8.1/10); pricing: From $0; best for planned bank transfers and FX management.
At a glance
- Editor score8.1 / 10
- PricingFrom $0
- Best forPlanned bank transfers and FX management
- Paid fromFree
- Transfer speed1_3_days
- Facts checked22 Sep 2026
Where it wins
- Supports transfers in 50+ currencies to 170+ destinations
- Includes rate history, forward contracts, and limit orders
- Offers recurring payments, tracking, and mobile security features
Where it doesn't
- Recipients receive funds through bank accounts only
- Transfers typically take 1–3 days
- Quoted exchange rates include an OFX margin
Our verdict on OFX
OFX is an international money-transfer service for consumers and businesses that need to send funds to bank accounts. It supports transfers in 50+ currencies to 170+ destinations through web, iOS, and Android apps. Personal customers can book transfers online or in the app, while businesses and individuals can use recurring payments, transfer tracking, and exchange-rate tools. It suits planned international payments more than situations requiring immediate delivery or alternative recipient methods.
The published pricing information shows a $0 fee on the US personal transfer page, with a one-time starting price of $0. Fees, payment methods, exchange rates, and delivery times vary by country, currency, and transfer type. OFX applies a margin through the quoted exchange rate, so the exchange-rate quote is an important part of the total cost. Live rates and rate history support planning, while forward contracts lock future exchange rates and limit orders target a selected exchange rate. Recurring payments can be scheduled up to 12 months ahead.
OFX also provides online and in-app transfer tracking, mobile identity-document uploads, and fingerprint or Face ID login on compatible devices. Human support is available 24/7 through email and phone, with documentation also provided, and the listed compliance posture includes GDPR. The main constraint is delivery: recipients receive funds through bank accounts, and transfer speed is listed as 1–3 days, with most major-currency transfers arriving within one to two business days after OFX receives the funds. Choose OFX for scheduled bank transfers and active FX management; consider an alternative if you need cash pickup, a different recipient method, or faster delivery.
Your product? Our editors can test OFX in depth and publish a review, labelled as paid · from $149/mo →
OFX pricing
OFX fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Free |
| Recipient methods | Bank |
| Transfer speed | 1_3_days |
| Exchange-rate model | Markup |
| Mobile platforms | Both |
| Upfront fee display | Yes |
| Transfer tracking | Yes |
| Scheduled transfers | Yes |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | GDPR |
| Support | Email, Phone, Docs · 24/7 |
| Built for | Solo, Small business, Mid-market, Enterprise (editorial estimate) |
| Pricing | From $0 (source) |
| Website | ofx.com |
| Facts checked | 22 Sep 2026 |
Alternatives to OFX
- WiseA transparent option for international transfers across web and mobile.9.4
- TransferGoA flexible transfer service with a free multicurrency wallet and upfront pricing.9.2
- Xe Money TransferA broad international transfer service with transparent quotes, tracking, and multiple delivery methods.9.0
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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