Is OFX or Unplex cheaper?

Cost varies by corridor and amount. Compare both on the corridor page above for live rates, fees, and recipient amounts.

What's the main difference between OFX and Unplex?

OFX (Zero fee above $1k, rate margin): Australian FX specialist focused on larger transfers — no fees above $1,000. Unplex (Low/zero fee, FX margin only): WhatsApp-based remittance from USA, UK and Europe to India and Philippines. No app download required.

Which is faster, OFX or Unplex?

Both providers offer same-day or faster options for popular corridors. Cash-pickup networks (MoneyGram, Western Union, Xoom) usually clear in minutes; bank transfers can take 1–3 business days.

Which is safer, OFX or Unplex?

Both are licensed money services businesses. OFX is regulated in Australia, USA, UK. Unplex is regulated in USA. As long as you transfer through their official site or app, both are safe to use.

Does OFX or Unplex offer better exchange rates?

Rate competitiveness varies. OFX markets zero fee above $1k, rate margin, while Unplex uses low/zero fee, fx margin only. The recipient amount is the only fair comparison — see the corridor page for live numbers.

OFX vs Unplex

Live fee, exchange rate and recipient amount comparison for USD → INR. Pros, cons and licensing in one view.

Live data temporarily unavailable for this comparison. See the corridor page for full live numbers.

Zero fee above $1k, rate margin

Australian FX specialist focused on larger transfers — no fees above $1,000.

Fee: USD 5.00
Rate: 91.7763
Speed: 1–2 days
Recipient gets: INR 91,317

Founded 1998

Sydney, Australia

Pros

No fees on transfers above $1,000 (varies by source currency)
Dedicated dealer for transfers above ~$10k
24/7 phone support

Cons

Margin on small transfers makes them uncompetitive
Slower than digital-first MTOs (1–2 business days typical)
Onboarding requires phone verification for new clients

Try OFX

Low/zero fee, FX margin only

WhatsApp-based remittance from USA, UK and Europe to India and Philippines. No app download required.

Live data unavailable.

Founded 2021

Chicago, IL, USA

Pros

Zero app friction — initiate the transfer in WhatsApp
Useful for senders less comfortable with mobile-app onboarding
Low or zero fees on India and Philippines corridors

Cons

Limited destination coverage — India and Philippines only
WhatsApp-as-UI is unusual; may not feel as polished as a native app for some users
Newer entrant with smaller customer base than Remitly or Wise

Try Unplex

Side-by-side comparison

Spec	OFX	Unplex
Fee model	Zero fee above $1k, rate margin	Low/zero fee, FX margin only
Headquarters	Sydney, Australia	Chicago, IL, USA
Founded	1998	2021
Status	Public (ASX: OFX)	Private (Antler-backed, VISA Fintech Fasttrack)
Live USD→INR fee	USD 5.00	—
Live USD→INR rate	91.7763	—
Recipient gets (USD 1,000)	INR 91,317	—
Typical speed	1–2 days	—
Top corridors	AUD→GBP, GBP→AUD, USD→AUD	USD→INR, USD→PHP

User reviews

OFX

Read reviews on Trustpilot

Unplex

Read reviews on Trustpilot

We don't host our own reviews — we link to Trustpilot so the rating isn't influenced by us.

Frequently asked questions

Other comparisons

Wise vs Remitly →Wise vs Xoom →Wise vs MoneyGram →Wise vs Western Union →Remitly vs Xoom →Western Union vs MoneyGram →

Live quotes from Wise's public comparison API, updated every 5 minutes. Provider profiles are based on public information; for pricing, KYC requirements and current promotions always check the provider's official site. Methodology.