OFX review

OFX targets people moving larger sums, such as property payments, savings and recurring tuition, rather than small remittances. Its US personal page shows an example $10,000 USD transfer with an OFX fee of $0.00, which means the cost sits entirely in the customer rate. That makes comparison simple but important: check the rate OFX quotes against the mid-market rate on the same day to see the real margin. New customers get an introductory rate on their first personal FX transfer booked online, and high-value customers can register for a customized rate. Coverage spans 50+ currencies and more than 180 countries, and support is available 24/7 by phone or email, which matters when a large payment needs a human check. OFX notes that a third-party bank may take a fee it does not receive. It is regulated in the US by FinCEN and state regulators.

Who it is for

People moving large sums who want a human dealer on the phone

Price

$0.00 OFX fee on the example USD transfer, with the cost in the customer rate, as shown on the US personal page in November 2026.

OFX fee + $ 0.00 USD
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Transfers in 50+ currencies to more than 180 countries
• $0.00 OFX fee on the published USD example
• Introductory rate on the first personal FX transfer booked online
• Customized rates for high-value transfers
• 24/7 support by phone or email

Strengths and weaknesses

• Strength: No OFX fee on the published example, so the cost sits in one number, the rate
• Strength: Recurring transfers for tuition, mortgages and family support
• Strength: More than 1 million customers have used OFX, according to its page
• Weakness: The cost is built into the customer rate, so you must compare it with the mid-market rate
• Weakness: Intermediary banks may charge a third-party fee that OFX does not receive
• Weakness: No cash pickup or mobile wallet payouts are described on the personal page

Key facts

• Currencies: 50+
• Countries: 180+
• OFX fee on example: $0.00 USD
• US regulation: FinCEN and state regulators

Where it ranks

OFX is No. 5 in our Best Money Transfer Services verdict.