Finance & Banking Software
OFX
International business payments platform with a free core plan and a paid Full Suite tier for multi-user teams.
Solo / FreelancerSmall businessMedium businessGlobal
Last reviewed Jul 17, 2026 · Pricing verified Jul 17, 2026
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DEV-TOP · horizontalOur take
Best for businesses making regular international payments who want a free multi-currency account without a software subscription — the $20 SWIFT fee and 1.5% card FX margin mean per-transaction costs deserve as much attention as the plan price.
Choose this if...
- Small businesses and agencies paying overseas vendors or contractors regularly
- Teams that need multi-user account access via the paid Full Suite tier
Look elsewhere if...
- Your transfer volume is low enough that the $20 flat SWIFT fee costs more than a percentage-based competitor
- You need a full domestic banking account rather than a cross-border payments account
Visit OFX
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Pricing
Verified Jul 17, 2026 against OFX's own pricing page.
| Plan | Monthly | Annual | Key limits |
|---|---|---|---|
| Standard | Free | Free | Free; global business account, multi-currency holding/receiving in 30+ currencies, international payments, corporate cards, 24/7 support; cross-border SWIFT transfers $20/transaction; 1.5% FX margin on international card payments |
| Full Suite | 75 USD/mo | — | $75/mo includes 5 users, then $10/user/mo thereafter; 30-day trial available; adds expanded multi-user account management on top of Standard features |
| Custom | — | — | Volume-based, tailored FX pricing for larger businesses |
Free tier reality
The Standard plan is free with no monthly fee and includes a real multi-currency global business account, international payments, and corporate cards — not just a trial. Per-transaction costs still apply on every plan (e.g. $20 per SWIFT transfer, 1.5% FX margin on card payments), and the paid Full Suite tier ($75/mo for 5 users, then $10/user/mo) exists purely to add multi-user account management, not to unlock core payment functionality.
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DEV-MID · rectanglePros
- Free Standard plan includes a genuine multi-currency business account and corporate cards, not a limited trial
- Flat, disclosed SWIFT transfer fee ($20) makes cost predictable per transaction
- Full Suite's multi-user pricing ($75/mo for 5 users) is clearly published rather than custom-quote-only
Cons
- $20 flat SWIFT fee can be expensive relative to percentage-based competitors for small transfers
- 1.5% FX margin on card payments is on the higher side compared to some multi-currency competitors
- Less well-known brand recognition than Wise or Airwallex in this category
Key features
- Multi-currency global business account (30+ currencies)
- International SWIFT and local payment transfers
- Corporate cards with cashback
- Multi-user account management (Full Suite)
- 24/7 customer support
Integrations
- VERIFY
Platforms
- web
- ios
- android
Regional fit
Operates across multiple countries with a global business account supporting 30+ currencies; specific licensing and feature availability vary by country of incorporation.
- Global
Best for
Try free first
Not ready for OFX? Start with our free tools — come back when you outgrow them.
Alternatives
Stripe
Pick this instead if: Developers and technical teams wanting maximum flexibility and API control
Mercury
Pick this instead if: US startups and small businesses wanting free checking with modern software
Brex
Pick this instead if: Startups wanting unlimited corporate cards with no per-user fee at the entry level
Ramp
Pick this instead if: Smaller teams wanting unlimited cards and expense automation without a per-user fee
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OFX FAQ
Questions about this tool
Is OFX free?
Yes, there's a free tier. The Standard plan is free with no monthly fee and includes a real multi-currency global business account, international payments, and corporate cards — not just a trial. Per-transaction costs still apply on every plan (e.g. $20 per SWIFT transfer, 1.5% FX margin on card payments), and the paid Full Suite tier ($75/mo for 5 users, then $10/user/mo) exists purely to add multi-user account management, not to unlock core payment functionality.
How much does OFX cost?
Free. We verify pricing directly against OFX's own pricing page — see the pricing table above for the full breakdown of plans, and check the verified date before making a decision, since software pricing changes often.
Who is OFX best for?
Small businesses and agencies paying overseas vendors or contractors regularly Teams that need multi-user account access via the paid Full Suite tier
Who should avoid OFX?
Your transfer volume is low enough that the $20 flat SWIFT fee costs more than a percentage-based competitor You need a full domestic banking account rather than a cross-border payments account
Does OFX work well outside the US?
Operates across multiple countries with a global business account supporting 30+ currencies; specific licensing and feature availability vary by country of incorporation.
What are the best alternatives to OFX?
Worth comparing: Stripe, Mercury, Brex, Ramp. See the Alternatives section above for why you might pick one of these instead.