Ogvio Review

The modern international remittance system is a blessing. You can send money almost anywhere in the world relatively easily, but it doesn’t mean it’s without friction. In this Ogvio review, I will introduce you to this new platform that aims to simplify the money transfer process even more.

As a newcomer in the space, it has plenty of chances to tackle many pain points left by its competitors. But of course, many questions linger. Is Ogvio legit? Does it have fair fee rates? How about its security? All of these and more will be answered in this review.

Ogvio Review: Quick Overview

Before I go deeper into this Ogvio review, I think it would be great to get a quick glimpse into what the platform has to offer to understand what is Ogvio. Here is a simple table showing you all the essential information about the project:

Table: Quick overview of Ogvio

Judging by the essentials, it seems like the platform is a pretty unique remittance / money transfer service. Don’t worry, I’ll go into more details later in the Ogvio review.

Who’s Ogvio For

Let’s face it, not all remittance platforms are built for everyone. Sometimes, you end up with an app offering features that don’t match your needs and preferences. So what about Ogvio? From what I can see at the time, it fits several user demographics.

In fact, Ogvio explicitly lists them on its official website. This is crucial information to understand what is Ogvio. Let’s take a look at them and see if any of them fit your situation:

• People working abroad. Ogvio works well for anyone sending money back home regularly. It promises a fast and transparent remittance experience across 160+ countries.
• Freelancers. Freelancers juggling international clients will likely appreciate Ogvio’s multi-currency support and instant USD/EUR pegging. It helps reduce losses from currency fluctuations and makes receiving cross-border payments simpler.
• Travelers. For travelers, Ogvio’s global reach and real-time currency conversion could be game changers. You can spend in different countries without worrying about hidden FX fees, and instantly move between currencies if exchange rates shift.

• Students. International students often struggle with transferring tuition or getting allowances from abroad. Ogvio’s free user-to-user transfers and low remittance fees make it easier for families to send money quickly.
• Locals. Even users who don’t travel can still benefit. Ogvio’s wallet and payment link functions are handy for small domestic transfers or casual payments among friends.
• Crypto users. Crypto users will find Ogvio’s Base network integration particularly appealing. You can hold, send, and receive crypto alongside fiat, with support for tokens like USDC, BTC, ETH, and EURC.

Judging by this, it seems like Ogvio focuses on individual users. Considering the platform’s focus on international remittance, I think it serves the right group of users.

If you fall into any of the groups listed above, I’m sure you’ll find the rest of this Ogvio review very interesting.

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Advantages

The biggest reason why I think this Ogvio app review will pique your interest is the platform’s key strengths. It offers various features that make it a compelling remittance service among many competitors.

That said, here are some advantages you can get if you choose to use Ogvio.

• Remittance-oriented;
• Instant transfers;
• Incremental-to-no fees;
• Crypto support;
• @Tag functionality;
• Earning opportunities;
• Free transfers between users.

Now let’s take a look a bit closer into each of these pros. First off, Ogvio is clearly designed with remittance in mind. Everything about the platform, from its multi-currency wallet to its transparent rates, revolves around making global money transfers simpler and faster.

Unlike some neobanks that treat remittance as a side feature, Ogvio seems to focus its entire ecosystem around it. This means, if you make cross-border transactions a lot, you can rest assured that the platform will do its best to cater to your needs.

Speaking of which, speed is one of the core issues in the remittance industry, and Ogvio aims to eliminate that entirely. The platform offers instant transfers between users, regardless of location, which can save hours or even days compared to traditional wire transfers.

When it comes to external bank transfers, it supports local payment methods, such as Raast Instant in Pakistan and InstaPay in the Philippines, and offers quick transfers even when sending money to local bank accounts.

Obviously, this is a huge win for those who need their money to arrive quickly (which is all of us, I think).

Furthermore, Ogvio markets itself as a transparent, low-cost alternative to conventional remittance apps. While some transfers or fiat onramps still carry fees, the platform’s model focuses on reducing costs wherever possible and showing all the fees upfront (no sneaky costs you don't see before paying).

Ogvio also integrates with the Base network, allowing users to send and receive USDC on Base, as well as trade it inside their account for other supported crypto like BTC, ETH, EURC, and so on. Plus, they can use Ogvio to convert USDC to cash, withdrawing it to a bank account. Because of that, I'd say Ogvio is a hybrid solution that bridges traditional and Web3 finance.

It’s particularly appealing for users who want the convenience of a neobank without giving up their crypto flexibility or custody.

Personally, I find that the @Tag feature is Ogvio’s most interesting aspect. You can send and receive money using a simple, unique username instead of dealing with long account numbers or complex wallet addresses. It’s both user-friendly and secure, making transactions as easy as sending a DM, which is ideal for casual payments or frequent transfers.

On top of that, the zero-fee transfers between Ogvio users could be a huge benefit. This not only encourages people to invite friends and family onto the platform but also helps build a connected ecosystem.

Once both sender and receiver are using Ogvio, the entire transfer process becomes instant, free, and hassle-free, the way remittance arguably should be.

Last but not least, Ogvio has some earning features on its platform. This means your Ogvio account goes beyond simply sending and receiving money.

You can earn rewards by joining the referral program and inviting your friends and family to join Ogvio. Given that it offers fee-free transfers between users, I'd say this is definitely a win-win solution.

Limitation

But of course, no platform is 100% spotless. Since the service is still new, I didn't find Ogvio reviews that point out its drawbacks. So far, I think there is only one potential limitation some people might see as a drawback: it only supports USD and EUR natively.

This doesn’t mean you can’t use Ogvio if you don’t use either of the currencies, though. On the contrary, there's support for 40+ currencies for topping up and withdrawing. However, you won’t be able to have a multi-currency account on Ogvio because any deposited currency is automatically pegged to USD or EUR.

It might seem limiting at first, but let’s try looking at it from a different point of view. Because Ogvio automatically converts your balance into either USD or EUR upon deposit, it acts as a pegging mechanism.

What does it mean? If you live in an area where the local currency fluctuates constantly, having your funds in relatively stable USD and EUR can help you maintain the value of your money.

My point is, depending on how you look at it, this can be either a feature or a drawback. But regardless, it is worth knowing what you can and can’t do before deciding to use the service.

Earning Features

As mentioned before, Ogvio offers a few earning features. You're able to earn in two simple ways. First, through referrals – you just have to share your personal link or code, and when your friends join, verify their account, and start using Ogvio, you’ll receive rewards. It’s a win-win since you'll be able to save on fees together. Here’s how it works:

Once they sign up and start using Ogvio, you'll earn referral rewards.

Besides referring friends, you can also earn on Ogvio by holding funds in EUR- or USD-denominated accounts. Pegging your balance to these stable currencies helps you protect it from local inflation and poor exchange rates.

While this might not seem like your usual way to earn, if your local currency weakens, your EUR/USD balance will still hold its value, preserving your real purchasing power.

Fees

This Ogvio review wouldn’t be complete without talking about the platform fees. After all, no matter how great the features are, it would be a significantly less appealing option if it implemented unfair costs.

In Ogvio’s case, it doesn’t seem to be the case. First of all, there is no subscription plan or account creation cost. Meaning that you can create an Ogvio account without paying any monthly fee or dealing with confusing plans.

The platform also has fair and fully transparent rates for currency conversion to maximize the value of your funds. You will be able to see exactly what you pay before you send. No hidden charges or surprise deductions. As stated on its website:

Ogvio pricing rule: most transfers are completely free, with all fees shown before you send.

Topping up your Ogvio account is either free or low-cost, depending on the method you choose.

Table: Ogvio fees for top-ups

As for transfer limits, they vary by country. Some countries, like Pakistan, India, Brazil, and some others, have no explicit limit whatsoever, while in other countries, there's a set limit per transfer.

The costs for any Ogvio crypto transactions are also competitive. Ogvio doesn't charge any fees for sending crypto, but you'll still need to pay for gas fees, as per usual. The platform also offers competitive fees for trading crypto inside the platform.

Security

It is only natural to expect the best security measures when it comes to anything money-related.^[1] So, is Ogvio secure enough for your financial needs? Let’s find out.

Ogvio has a promising start by offering a self-custodial service model, which means that you will be the only one holding the private keys. In other words, no one else will be able to access your funds but you.

Ogvio stores your money on-chain in secure vaults. Such vaults are immune to hidden access or interference. So, your funds will never be stored in a centralized account or managed by a third party.

While this is mostly a big thing in the crypto industry, I personally think it can benefit fiat currency management as well.

I can’t emphasize enough how this improves your freedom and control over your money. This also means no risk of getting your funds frozen by the platform for no reason. I still remember waiting nearly 10 days for a platform to “verify” me before I could touch my own funds. Never again.

From the users’ side, each Ogvio account has AES-256 encryption and optional 2FA login, which are industry standards at this point. Still, I’m glad to see the platform implement these essential features to safeguard users’ accounts.

Another thing worth mentioning to address the question “Is Ogvio secure?” is the KYC (Know Your Customer) requirements.

This is a set of mandatory processes where financial platforms verify the identity of their users to prevent financial crime like money laundering, terrorist financing, and fraud. The goal is to better track and prevent illegal activities^[2] within these platforms.

Ogvio requires users to pass standard KYC to unlock bank transfers to and from the account. That said, transacting with other Ogvio users, topping up with a card payment or a crypto transfer, and trading crypto on the platform don't require identity verification.

If you’re the type of person who really values privacy, I’m sure this is good news. But keep in mind that the requirements may vary depending on where you live, and there might be limits.

Besides, Ogvio has a Money Services Business (MSB) registration, which basically means it’s officially registered to handle money transfer and exchange services. So, if you wonder, “Is Ogvio legit?” I can say that it is.

User Experience

In terms of ease of use, Ogvio provides an intuitive user interface. With the financial space already as complex as it is, there is no need to make things more confusing by burying simple actions under endless menus or complicated settings.

As I briefly mentioned earlier, its coolest feature is the @Tag function. With this, you don’t have to input a long and complex address just to send your money. You simply need to type in the recipient’s unique @Tag, and send your money like you would send a DM.

Now, what about Ogvio’s money transfer capability? Good question! Most people would want to use a service that can send their money as fast as possible. Ogvio adresses this need by providing instant delivery for Ogvio-to-Ogvio transfers. Besides that, while this depends on the country in question, it supports local instant bank transfer methods in most countries as well.

Many fintech apps still make you wait for days before your money lands. This can be very infuriating for freelancers or travelers who need their money to be accessible fast. But with Ogvio, it's not the case.

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So far, it seems like Ogvio has put a lot of effort into making its platform as intuitive as possible. Everything from sending money to how fast your transfers will be completed looks seamless and stress-free.

Integration and Compatibility

It is always a big plus to use a service that integrates with third-party providers, considering how many different financial platforms are out there. The good news is, Ogvio works seamlessly with more than 7,000 banks and wallets worldwide.

These include popular fintech brands like PayPal, Revolut, and Stripe, as well as top names in the crypto industry, including Ledger and Binance. Looks like moving assets from and to Ogvio will be easy.

It also makes it easy to top up your balance using various methods, including bank transfers, crypto deposits, as well as credit/debit cards, Apple Pay, or Google Pay. It is worth noting that the last three methods can be a bit expensive, though.

Speaking of moving money around, Ogvio supports more than 160 countries and regions, including the UK, UAE, Nigeria, and Brazil. This is why I told you this platform is great for travelers and people working abroad.

With this wide coverage, you can create an Ogvio account and use its service from almost anywhere in the world. Pretty neat if I do say so myself, especially since the platform really focuses on remittance.

How to Use Ogvio

I’ve mentioned how intuitive the platform is in this Ogvio app review. That being said, let’s take a look at the general way to use Ogvio, including how to deposit, send, and receive money.

How to Create an Ogvio Account

Let's start from the top, setting up your Ogvio account.

For identity verification, you'll have to provide some info about yourself, your ID, a selfie, and proof of address.

How to Deposit Money to Ogvio

Now, once your account is set, your next step is topping up your balance. As I mentioned before, it supports a wide range of deposit methods, but in this Ogvio review, I’m going to focus on a top-up via a bank transfer.

Keep in mind that the deposit and conversion fees depend on your bank and the currency you're depositing, but you'll see them all before making the transfer.

📚 Check Out: How to Deposit Crypto to Ogvio

How to Receive Money From Other Ogvio Users

Now, let’s go through the general step-by-step guide on how to receive money into your Ogvio account. Take a look:

Alternatively, you can create a custom payment request link and share it with your friends.

As I said, in most cases, the transfer will land in your account instantly. Additionally, you don’t have to worry about paying any fees when receiving money on Ogvio.

How to Send Money Using Ogvio

Finally, using Ogvio’s money transfer is as easy as depositing and receiving money. Personally, I think this is the biggest aspect that receives positive Ogvio reviews. I'll go over two ways: sending to another Ogvio user and sending to a bank account.

To Another Ogvio User

Here is how you transfer money instantly and for free with Ogvio:

By the way, once you add them, they'll appear in your directory below, so next time you'll have even quicker access.

Via Bank Transfer

Now, if you want to send money to another user's bank account, your own bank account or even withdraw crypto as cash to a bank account, here's how you have to do it:

As you can see, navigating money using Ogvio is very easy. Everything from funding your account to sending money to someone else is frictionless and requires minimal to no waiting at all.

Comparison to Other Fintech Services

Before I conclude this Ogvio review, I want to highlight how Ogvio performs compared to some of its potential competitors. While the global fintech and remittance industry is filled with various options, I will focus on three of the biggest ones specifically: PayPal, Revolut, and Wise.

Ogvio VS PayPal

I think it is safe to say that PayPal is a household name when it comes to remittance services. As of writing, it is available in more than 200 countries worldwide and serves more than 400 million users and merchants.

In general, it offers similar services to Ogvio. These include remittances, payments, as well as access to the crypto market. However, PayPal is notorious for implementing higher fee rates for international transfers and currency conversion.

	OGVIO	PAYPAL
Deposit Fees	Free	Free
Withdrawal Fees	Varies	Bank/Card - up to 3% ATM - $2.50
Other Fees	Conversion fee (varies)	Card payments (non AD/HR/IS/MC) - 3.4% + fixed fee Currency conversion - 4%-4.5%
Card Maintenance Fees	Card coming soon	Free
Fee Transparency
Markup
	Visit site Read review	Visit site Read review

Table: Ogvio VS PayPal pricing comparison

There is also an issue of frequent account freezing. Many users reported that PayPal suddenly freezes their accounts or holds their money without much warning or clear notice. This can be a major issue if you need urgent access to your funds.

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Because of that, I can see Ogvio is a great solution to these problems since it is non-custodial by design, and nobody can freeze or hold your money hostage.

Additionally, Ogvio’s fees are more reasonable and fully transparent. You won’t have to worry about getting your money cut down by unfavorable charges and high conversion rates.

Ogvio VS Revolut

Revolut offers a modern take on the fintech service, including spending management, payment solutions, and access to a wide range of investment options. It takes it a step further by offering products tailored to kids and teenagers starting as young as 6 years old, depending on where you live. Talk about inclusivity.

	OGVIO	REVOLUT
Supported Countries	UK Germany France +160 more	Australia US UK +38 more
Supported Languages	EN ID CN +6 more	EN ES IT +27 more
Supported Fiat Currencies	USD EUR CAD +40 more	AUD EUR USD +23 more
Supported Cryptocurrencies	USDC BTC ETH + 7 more	BTC ETH SOL +220 more
	Visit site Read review	Visit site Read review

Table: Ogvio VS Revolut coverage comparison

These extensive features make Revolut popular in the fintech industry. However, there's one major downside to using this platform. As of now, you can only open a Revolut account in 48 countries and regions. This is significantly lower than Ogvio's 160+ supported countries.

All in all, I can see why Revolut is a popular name in the space. However, if your country of residence is not within its supported countries list, then you're out of luck.

Ogvio VS Wise

Wise is another popular name in the remittance industry. It is famous for its true mid-market rate policy, which makes it a favorable option for sending money internationally. At the time of writing this Ogvio review, Wise supports around 140 countries and regions and serves 20 million active users.

Just like Ogvio, Wise’s main focus is also on international money transfers, with other additions like debit cards and business solutions. Because of that, I think it is fair to compare it to Ogvio.

	OGVIO	WISE
Mobile App	Coming soon	Android/iOS
App UX
Customer Support	Email Chatbot	Phone - 24/7 Email
Analytics & Reporting	Spend analytics Export CSV Earnings analytics	Statements CSV/PDF Receipts PDF API reporting
Interest / Investment / Savings Options	1 Crypto trading	1 Wise Interest 2 Stocks
Extra Features	1 @Tag functionality 2 No freezes 3 Referral program	1 Mid-market exchange rate
	Visit site Read review	Visit site Read review

Table: Ogvio VS Wise user experience comparison

Unlike Ogvio with its @Tag feature, users still need to deal with bank account numbers or routing numbers. Additionally, Wise doesn’t currently offer any crypto-related features. So, if you’re interested in joining the crypto market, using Wise is, I’d say, unwise.

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All things considered, I see Ogvio as a strong contender in the space. The features it offers seem to compete with even some of the biggest names right now, including PayPal and Wise.

Conclusions: Is Ogvio Right for You?

With that, we’ve come to the end of this Ogvio review. Ogvio seems to be a very promising fintech app. It offers many features that caught my attention, from its transparent and low fees to the interesting @Tag function.

Some people might be concerned about the fact that it automatically converts your balance to either USD or EUR, but honestly, this can be a great way to maintain your money’s value, especially for people who live in regions where the local currency fluctuates frequently.

So, I genuinely appreciate what Ogvio brings to the table. I've already tried it out and can say that it really is fast, low-cost, and easy to use.

Scientific References

1. Jafri J. A., Amin S. I. M., Rahman A. A., Nor S. M.: 'A Systematic Literature Review of The Role of Trust and Security on Fintech Adoption in Banking';

2. Chouke A., Jain V. K., Parmar J., Shankar S., Verma A. K.: Identity Verification: A Decentralized KYC Approach Using Blockchain'.

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