Fire vs OFX: what each publishes
As of October 17, 2026, OFX takes these industries by its own published rules: Marketplace, with conditions. We hold no such rule from Fire.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Policy by industry
| Industry | Fire | OFX |
|---|---|---|
| Marketplace | No published rule | With conditions |
| Crypto | No | No |
| iGaming | No published rule | No |
| Adult | No published rule | No |
| Unlicensed financial services | No | No |
| Forex and CFD | No published rule | No |
| AI and SaaS | No published rule | No published rule |
Where owners must live
Fire
No published rule
OFX
No published rule
Rules about countries
Fire
We onboard businesses incorporated in the United Kingdom or Ireland with directors/owners resident and/or citizens of the EU & UK (and other countries available on request).
We onboard businesses incorporated in the United Kingdom or Ireland with directors/owners resident and/or citizens of the EU & UK (and other countries available on request).
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
OFX
No published rule
Fees
Fire
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Fire Business Account (UK company) | GBP 0 set-up fee ('Set Up Fee') | GBP 10 a month ('Monthly Fee') | · Source |
| Fire Business Account (Irish or other EU company) | EUR 0 set-up fee ('Set Up Fee') | EUR 10 a month ('Monthly Fee') | · Source |
OFX
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Standard | Free to start ('Start for free') | GBP 0 a month ('per user/month') | · Source |
| Full Suite | Not stated; free trial ('Try it free for 30 days') | GBP 75 a month with five users ('per month (5 users included).'), then GBP 10 per user a month ('per user / month thereafter') | · Source |
Closing an account
Fire
15.2 We may close the Business Account or any part of the Fire Services associated with it on giving you 90 days prior notice.
OFX
Pursuant to the Payment Services and Payment Accounts (Amendment) Regulations 2025, we may terminate this Agreement and close your Account with us by giving you ninety (90) days' notice in writing.
Licence
| Licensee | Fire | OFX |
|---|---|---|
| Licensee | Fire Financial Services Limited (Fire-UK) · EMI authorised by the FCA (FRN 900983) · Fire Financial Services Limited (Fire-EU, Ireland) · payment institution authorised by the Central Bank of Ireland (C58301) | UKForex Limited (trading as OFX) · EMI authorised by the FCA (FRN 902028) · a wholly owned subsidiary of OzForex Limited |
| Regulator | FCA / Central Bank of Ireland · | FCA · |