OFX vs N26 Comparison At a Glance
We've divided the key information you need to know when comparing N26 vs OFX into several aspects: pros & cons, coverage, pricing, limits, supported asset management, accounts and their onboarding, security, user experience and the company's info. However, if you want a quick side-by-side N26 vs OFX comparison to see which one is rated better, check out the table below.
With an overall score of 9.0, N26 clearly comes out on top. OFX, by comparison, holds a rating of 9.0. As for the service quality and advantages you get considering the platform’s costs, N26 outperforms OFX as well, offering better value for money.
To give you a broader view of the money transfer service market, we've also put OFX and N26 next to Ogvio, which has the highest overall score. You'll see how all three compare throughout this page.
Compare Other Money Transfer Services
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| Per-transaction | Plan-based | Plan + per-transaction | |
| A global money transfer service with an additional volatile currency rate pegging to USD and EUR feature. | A European mobile bank with card features and budgeting tools. | A bank-to-bank transfer service focused on competitive exchange rates and lower fees. | |
| Visit site Read review | Visit site | Visit site |
A Detailed Comparison of N26 vs OFX
Find out which provider offers the fastest, cheapest, and simplest ways to send money with this elaborate OFX vs N26 international transfer comparison table. From supported delivery methods and fees to any extra features, you'll see it all in one place.
Compare Other Money Transfer Services
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Coverage |
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US
Germany
France+160 more |
Austria
Belgium
Denmark+21 more |
US UK 
Italy+170 more |
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EN ID CN +6 more |
EN DE ES IT FR |
EN CN YUE |
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USD
EUR
CAD+40 more |
EUR
USD +35 more |
USD
EUR
GBP+50 more |
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USDCEURC 
BONK+ 300 more |
BTC
ETH+350 more |
Fiat-only |
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Pricing |
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| Free |
SEPA - free Card - first free, then 3% |
N/A | |
| Free | ATM - 2-8x free/mo; then €2 | N/A | |
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Limits |
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| No minimum |
CASH26 - $50 Card - $20 |
N/A | |
| No minimum |
CASH26 - no minimum ATM - not specified |
N/A | |
| No minimum |
SEPA/SEPA - not specified MoneyBeam - $0.01 |
$150 | |
| No limits |
MoneyBeams - $1,000 Incoming SEPA - $100,000/transfer Outgoing SEPA - $10,000/day |
No limit | |
| No limits | ATM - €1,000/day/card; €2,500/week | N/A | |
Asset Movement |
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Accounts |
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| Coming soon | Physical/Virtual | Physical/Virtual | |
Security |
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| Name, surname, possibly ID, and selfie | Name, surname, ID | Name, surname, ID, proof of address | |
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User Experience |
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| Coming soon | Android/iOS | Android/iOS | |
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1 Crypto trading 2 Staking |
1 N26 Instant Savings 2 N26 Stocks and ETFs 3 N26 Crypto |
1 Not offered |
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1 Username functionality 2 No freezes 3 Referral program |
1 Travel insurance - delays, baggage, more |
1 Rate alerts 2 Limit orders 3 Regular payments |
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Company's info |
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| 2025 | 2013 | 1998 | |
| Vytautas Zabulis | Valentin Stalf, Maximilian Tayenthal | Matt Gilmour | |
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| MSB | BaFin | FinCEN, ASIC, FCA, CBI, FINTRAC | |
| Visit site Read review | Visit site | Visit site | |
N26 vs OFX Comparison Result Analysis
It's clear there are both N26 vs OFX differences and similarities. Let's go over some of the key aspects and see which is more suited for your remittance needs.
Supported Countries & Currencies
Speaking of worldwide reach, N26 is supported in Austria, Belgium, Denmark and +21 more countries, while OFX is supported in US, UK, Italy and +170 more countries.
As for fiat currency support, N26 can be used to transfer EUR, USD and +35 more currencies. In the meantime, OFX supports USD, EUR, GBP and +50 more currencies. Keep in mind that some money transfer services also support crypto – check out the table above to see which ones are available on N26 and OFX (if any).
Verdict at a Glance:
Considering the overall reach, OFX offers broader country support than N26. When it comes to fiat you can transfer, OFX is a clear winner with USD, EUR, GBP and +50 more currencies.
Fees
When it comes to the pricing structure, N26 uses the plan-based pricing model with mostly free; up to 1.5% transaction fees.
OFX, on the other hand, bases its pricing on the plan + per-transaction model, and has variable transaction fees.
Check N26 vs OFX fees comparison of deposits, withdrawals and any other priced actions in the table above. You can also see if these platforms apply an exchange rate markup.
Verdict at a Glance:
N26 uses the plan-based pricing model, while OFX bases its pricing on the plan + per-transaction model. N26 has mostly free; up to 1.5% transaction fees & OFX has variable transaction fees.
Transfer Speeds
N26 is known to offer average transaction speed. It may sometimes vary depending on the delivery method, though – N26 supports SEPA/SEPA Instant, SWIFT, Card and CASH26.
OFX supports Bank deposit and ATM as delivery methods and offers slow transaction speed.
Verdict at a Glance:
N26 is generally faster than OFX. though it can sometimes depend on your chosen transfer method and the countries you send from/to.
Limits & Funding Methods
N26 can be funded via SEPA/SEPA Instant, SWIFT, Card and CASH26, and it limits its transfers in the following way - MoneyBeams - $1,000; Incoming SEPA - $100,000/transfer; Outgoing SEPA - $10,000/day.
OFX puts limits on transactions as follows – No limit. Considering available funding methods, you can deposit money to OFX via Bank and WIRE transfer.
By the way, many (but not all) providers set minimum deposit, withdrawal, and transfer amounts, which you can check in the N26 vs OFX comparison table above.
Verdict at a Glance:
Regardless of how similar or different N26 and OFX seem, always check your account for actual limits because some platforms tie them to your verification level and country.
Summary
This thorough N26 vs OFX comparison puts N26 ahead based on several factors. However, if we compare either with Ogvio, it outperforms both, having an overall score of 9.8. It provides the highest value for money considering its low-to-no costs, ease of use, worldwide support, and transaction speed. That\'s why it ranks as the top money transfer service provider.
How Is This N26 vs OFX Comparison Created?
1. We Collect
All information in this N26 vs OFX comparison comes from official provider pages, their fee schedules, verified payout samples, and personal testing. We check each country/currency coverage, fees, funding & payout methods, limits, and much more. You can be sure that all the collected information is accurate and up to date.
2. We Examine
Our experts double- and triple-check every data entry in the provider pages and trusted sources. We convert different fee formats into one standard layout, bring all info to the same baseline, and ensure you get all the essential details. The result is clean, comparable information you see in our Money Transfer Services Comparison Tool.
3. We Rate
We rate each provider to make choosing between OFX vs N26 for travel or remittances simple. Our score blends fees, markup presence, transfer speed, coverage, limits, security, and other factors. Each provider gets a clear score and a short verdict so you can quickly see which is cheapest, fastest, or best for specific use cases.
4. You Choose
Then, it's your call. After we compile the data and rate each provider, you can go over the quick and detailed N26 vs OFX comparison tables to place each provider's fees, coverage, delivery methods or any other aspects that matter to you side-by-side. This way, you can pick the best money transfer service for your needs.
FAQ
Is N26 better than OFX?
For some users, N26 might be better, while others might prefer OFX. It generally depends on your needs. When comparing N26 vs OFX for international payments or other use cases, always start with coverage and asset support, then make sure to check total costs and available delivery options. If neither option is suitable for you, consider exploring alternative money transfer services.
What is the best international money transfer service?
"The best" is a subjective term. Users seeking cash pickup or home delivery options will opt for more traditional money transfer services. Others, who seek speed, convenience and low costs, might choose neobank-like services. Speaking of which, one of the best new generation money transfer providers to watch is Ogvio. It’s all about low-to-zero fees, worldwide reach, and instant money transfers. On top of that, with EUR- or USD-denominated accounts, it helps protect funds from local inflation or currency depreciation.
Can I use more than one money transfer app?
Yes, using multiple money transfer apps sometimes might even be a better idea than sticking to one. For example, one provider might offer the lowest costs and fastest speeds, which would be highly beneficial for everyday transfers, while another can provide you with home delivery or cash pickup when you need it. You can surely find the most suitable providers for you using our Money Transfer Service Comparison Tool.
How do N26 vs OFX compare in terms of country and currency support?
N26 is supported in Austria, Belgium, Denmark and +21 more countries and can be used to transfer EUR, USD and +35 more currencies. OFX, on the other hand, is supported in US, UK, Italy and +170 more countries and allows USD, EUR, GBP and +50 more currencies transfers. Some providers might be better than others in specific countries or regions (e.g., the Philippines, India, Mexico, etc.).
Which is cheaper for international transfers, OFX or N26?
N26 uses the plan-based pricing model, while OFX bases its pricing on the plan + per-transaction model. To see which is the cheaper option, check N26 vs OFX fees comparison above in the "Pricing" field. There, you'll find transaction, deposit, withdrawal, and any other costs, including whether or not they add an exchange rate markup. If neither is cheap enough, check out other money transfer providers.
How to compare platforms with this Money Transfer Service Comparison Tool?
It's very easy to use, just pick two services you want to compare in the drop-down menu and click "Compare Now". Once you do that, you'll get an instant money transfer service comparison. As you scroll through it, you'll find all the key info, including the platform's reach, speed, supported methods, limits, extra features, and the best money transfer fee comparison for 2025 and beyond.
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