OSL review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
OSL is a digital securities account for holding crypto and fiat balances, not a service built for occasional remittances, so it suits traders and businesses. It scores 4.4 overall, and the flat withdrawal charge makes cost the deciding factor for anyone moving small amounts often.
Key facts
- Best for
- A multi-currency home for crypto traders and businesses that only need bank payouts.
- Transfer fee
- 15 USD fixed per transaction for fiat (USD) withdrawal from an OSL Global account↗
- Delivery time
- About 3 business days for a fiat (USD) withdrawal from an OSL Global account to be processed and credited↗
- Payout methods
- Bank↗
- Currencies
- 129↗
- Fee to send 1,000
- $15↗
- Legal entity
- OSL Digital Securities Limited↗
- Headquarters
- Hong Kong↗
- Support channels
- Email, Chat, Help-centre↗
- Official website
- osl.com
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Elsewhere
- LinkedInXoslinsights.substack.com
Pros and cons
Pros
- An OSL Global account covers 129 currencies, so several trading currencies sit in one balance.
- Permissions are held with the Hong Kong Securities and Futures Commission, the Japan Financial Services Agency, Otoritas Jasa Keuangan, the Bermuda Monetary Authority and AUSTRAC.
- Support runs on email, chat and help centre, so help is reachable in writing and in live chat.
Cons
- Fiat withdrawals carry a fixed $15 charge, so a small payout costs the same to send as a large one.
- Payouts are limited to bank transfers, with no card, wallet or cash payout offered.
- A fiat withdrawal to bank accounts takes a few business days to process and credit, so it is not an instant payout.
Who it suits
- Traders holding several currencies who want one account for 129 of them.
- Businesses that need bank withdrawals and can plan around a few business days of processing.
- Users who want a regulated setup, with permissions spanning Asia, Bermuda and Australia.
Who should look elsewhere
- PayPal Colombia, where transfers cost nothing from a PayPal balance or linked bank account, against a flat $15 here.
- Skrill, where bank transfers cost nothing and card payments cost a percentage, where the OSL fee is a flat $15.
- Paysera, where transfers in euro to SEPA and Paysera users cost nothing.
How OSL compares
8.6 vs 8.0
8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.9
8.6 vs 9.1
8.6 vs 8.6
8.6 vs 9.0
8.6 vs 8.9- 8.6 vs 8.9
8.6 vs 8.8
8.6 vs 8.8
8.6 vs 8.4
8.6 vs 8.0
Where OSL is available
- Available
- Afghanistan, Aland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Sint Eustatius and Saba, Bosnia and Herzegovina, Botswana, Brazil, British Indian Ocean Territory, Brunei, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Cayman Islands, Central African Republic, Chad, Chile, Christmas Island, Cocos Islands, Colombia, Comoros, Congo, Cook Islands, Costa Rica, Côte d'Ivoire, Curacao, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Fiji, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Ghana, Gibraltar, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard Island and McDonald Islands, Honduras, Indonesia, Iraq, Isle of Man, Israel, Jamaica, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Lebanon, Lesotho, Liberia, Libya, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, New Caledonia, New Zealand, Nicaragua, Niger, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Puerto Rico, Qatar, Reunion, Rwanda, Saint Barthélemy, Saint Helena, Ascension and Tristan da Cunha, Saint Kitts and Nevis, Saint Lucia, Saint Martin (French Part), Saint Pierre And Miquelon, Saint Vincent and the Grenadines, Samoa, San Marino, São Tomé and Príncipe, Senegal, Serbia, Seychelles, Sierra Leone, Sint Maarten, Solomon Islands, Somalia, South Africa, South Georgia and the South Sandwich Islands, South Korea, South Sudan, Sri Lanka, Sudan, Suriname, Svalbard and Jan Mayen, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Uganda, United States Minor Outlying Islands, Uruguay, Uzbekistan, Vanuatu, Vatican City, Venezuela, Vietnam, Virgin Islands, British, Virgin Islands, U.S., Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe
- Licence in Hong Kong
- Hong Kong Securities and Futures Commission (SFC), checked September 26, 2026
- Licence in Japan
- Japan Financial Services Agency (FSA) - CAESP licence, checked September 26, 2026
- Licence in Indonesia
- Otoritas Jasa Keuangan (OJK) - Digital Asset Trader, checked September 26, 2026
- Licence in Bermuda
- Bermuda Monetary Authority (BMA) - Class F Digital Asset Business Licence, checked September 26, 2026
- Licence in Australia
- AUSTRAC - Digital Currency Exchange Provider, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to take money out of OSL?+
A fiat withdrawal from an OSL Global account carries a fixed fee of $15 per transaction, and the money goes out to bank accounts. That charge does not change with the size of the payout, so a large withdrawal costs the same to send as a small one.
How long does a withdrawal take?+
OSL states that a fiat withdrawal from an OSL Global account takes a few business days to be processed and credited to a bank account. Anyone who needs money to land the same day should not treat OSL as an instant payout route.
How many currencies can I hold?+
An OSL Global account covers 129 currencies, so a user trading several of them can hold balances in one place. A currency list that wide suits traders and businesses rather than occasional remitters. The account is run by OSL Digital Securities Limited.
Which regulators license OSL?+
OSL holds permissions in several markets, including the Hong Kong Securities and Futures Commission, the Japan Financial Services Agency CAESP licence, Otoritas Jasa Keuangan in Indonesia, the Bermuda Monetary Authority Class F licence and AUSTRAC in Australia. The operator named on the account is OSL Digital Securities Limited.
How do I get help from OSL?+
Support runs on email, chat and help centre. There is no phone line in that mix, so a question about a stuck withdrawal is raised in writing or in live chat, with the help centre carrying the standard withdrawal steps. That suits users who are comfortable setting out the detail first.
How does OSL's pricing compare with other money transfer accounts?+
OSL's cost score on VaultCue is 1 against an overall score of 4.4, so price is the weak side while the offer score stands at 9.1. The median monthly fee across the money transfer services listed is €0, and OSL's published charge is a fixed $15 per fiat withdrawal.
Who is OSL for?+
OSL fits users who hold several trading currencies, since a Global account covers 129 of them, and businesses that can plan around a fixed $15 withdrawal fee. It suits people who treat the account as a place to hold balances rather than a channel for fast remittances.
Where is OSL based?+
The operator is OSL Digital Securities Limited, headquartered in Hong Kong. Permissions for the group are also held in Japan, Indonesia, Bermuda and Australia, which puts its regulatory footprint beyond its home market. Support and withdrawal steps are set out for OSL Global accounts.
Sources
- osl.com checked September 26, 2026
Backs: Currencies, Headquarters, Legal entity, Licences
“129 Fiat currencies”
- osl.com/en/support/how-to-withdraw-fiat-currency-from-you... checked September 26, 2026
Backs: Delivery time, Payout methods, Support channels, Transfer fee, Fee to send 1,000
“Please allow approximately 3 business days for the withdrawal to be processed and credited.”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Exchange rate markup, Licence type.
Related by the facts
OSL
A multi-currency home for crypto traders and businesses that only need bank payouts.