Airwallex
Multi-currency business accounts, cards, bill pay and expenses
Our verdict
Second of our top three spend and bill pay tools
For: Businesses that pay or spend in several currencies
Airwallex gives a business accounts that hold more than 20 currencies, local transfers to over 120 countries and Visa cards with no foreign transaction fees, plus expenses, reimbursements, bill pay and invoicing. Explore has no monthly fee for up to 10 Spend users; Airwallex earns on conversion, 0.5% above the interbank rate for major currencies and 1% for others, and on SWIFT transfers at $15 to $25. Its iPhone and iPad app averages 4.8 from about 580 ratings. It is second because most small companies pay in one currency, where Ramp does the job free, and the eleventh Spend user moves you to Grow at $12 each plus a platform fee it does not publish.
See all three and how we rankAirwallex report card
Very good · out of 4.0 · graded Oct 18, 2026
Best for multi-currency spending and paying abroad
Airwallex gives a business accounts in 20+ currencies, multi-currency Visa cards, expenses, bill pay and invoicing, and its Explore plan has no monthly fee for up to 10 Spend users. It earns on currency conversion, transfers and payment processing instead. Past 10 users you're on Grow at $12 a user, plus a platform fee it doesn't publish.
Who Airwallex is for
- Great if you pay suppliers or staff in other countries
- Handy when your team spends abroad and you want cards with no foreign transaction fees
- Good for online sellers collecting payments in several currencies
Who Airwallex is not for
- Tight if you're about to grow past 10 Spend users, as Grow's platform fee isn't published
- Pricey if you send lots of SWIFT transfers, at $15 to $25 each
Why Airwallex gets a 3.2
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- AValue for moneyFree and substantial. A ten-person company pays $0 a month on Explore, which covers up to 10 Spend users, and the listing gives no fee for local bill payments. You pay on conversion, 0.5% to 1% over the interbank rate, and on SWIFT at $15 to $25.
- BFree plan and trialExplore is free with accounts in 20+ currencies, unlimited cards, expenses, bill pay, invoicing and Xero or QuickBooks sync. The cap is 10 Spend users: the eleventh takes you to Grow at $12 each plus a platform fee.
- BFeaturesThe whole job: multi-currency accounts, Visa cards with no foreign transaction fees, receipts matched by AI, reimbursements in 200+ countries, bill pay with AI data capture, invoicing, card acceptance and APIs.
- BEase of use4.81 from 584 App Store ratings, high but short of the 1,000 we want for the top band. There are accounts, cards and an accounting link to set up first.
- BPlatforms and integrationsWeb, iPhone and Android, with Xero, QuickBooks, NetSuite, Business Central, BambooHR, Shopify, WooCommerce and Amazon, plus developer APIs. No desktop app is listed.
What these grades rest on. Graded from this listing, whose facts were read from Airwallex's own pages on 18 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews. How we review and grade.
Make Airwallex? Put this grade on your site
Paste this where you want the badge. It links here and follows the grade if it changes. About badges
<a href="https://toolgpa.com/tools/airwallex#review"><img src="https://toolgpa.com/badge/airwallex.svg" alt="Airwallex: 3.2 GPA on ToolGPA" width="196" height="56"></a>Where Airwallex stands among spend and bill pay tools
Airwallex's GPA of 3.2 is higher than 11 of the 13 other spend and bill pay tools we grade.
It stands best on value for money (A, above 9 of 13) and worst on platforms and integrations (B, above 0).
Its paid plans start at $12 a month for each person, against a middle price of $12 for the category: 4 of the 11 others that charge start lower.
On features, ease of use and platforms it scores 3.0 out of 4. 1 tool scores higher and costs less.
Each grade against the category
Every bar is all 14 spend and bill pay tools we grade, cut by the letter each got. Airwallex’s own letter is outlined.
- AValue for moneyAbove 9 of 13, level with 4
- BFree plan and trialAbove 6 of 13, level with 4
- BFeaturesAbove 8 of 13, level with 5
- BEase of useAbove 4 of 13, level with 3
- BPlatforms and integrationsAbove 0 of 13, level with 12
Price against what you get
Each dot is one of 13 spend and bill pay tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Keep Airwallex, or make your own?
Keep it
To replace Airwallex you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
It is one of the better ones too: its GPA of 3.2 is higher than 11 of the 13 other spend and bill pay tools we grade. It costs $144 a year.
What you could make
- Expense tracking and invoicing: an app builder makes these well.
What you could not
- Cards issued through a bank.
- Money moved between bank accounts, which takes a licensed payments partner.
- A real app for iOS and Android. Something home-made would be a web page.
- It is priced for each person, which means accounts and billing for a team.
- It plugs into other products, Xero, QuickBooks and NetSuite among them, and has an API.
- AI features, unless you pay a model provider for each request yourself.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. Airwallex’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Airwallex?
Airwallex gives businesses accounts that collect and hold more than 20 currencies, sends local transfers to over 120 countries, and issues multi-currency Visa cards. Its spend tools add expense reports, reimbursements, bill pay with AI data capture and purchase orders, and it also takes card payments and sends invoices. The Explore plan has no monthly fee; Airwallex earns on currency conversion, transfers and payment processing.
Airwallex has a free plan. Paid plans start at $12 per Spend user / month, plus a platform fee based on team size. See every plan
Good for
- Businesses that pay suppliers or staff in other countries
- Teams that want multi-currency cards with no foreign transaction fees
- Online sellers collecting payments in several currencies
Worth knowing
- Currency conversion costs 0.5% above the interbank rate for major currencies and 1% for others; SWIFT transfers cost $15 to $25 each.
- Grow adds a platform fee based on the number of Spend users that the pricing page does not state, and plan fees are charged per legal entity.
- Airwallex US, LLC is a licensed money transmitter that works with Evolve Bank & Trust for some US customers; the cards are issued by Community Federal Savings Bank.
- Taking card payments costs 2.8% + $0.30 for US cards and 4.3% + $0.30 for international ones.
Key features
- Multi-currency accounts
- Collect and hold money in more than 20 currencies, send local transfers to over 120 countries and SWIFT transfers to more than 200.
- Corporate cards
- Virtual and physical Visa cards with per-card limits for use in 60+ markets, with no foreign transaction fees and up to 2% cashback on local USD spend.
- Expenses and reimbursements
- Receipts are matched by AI from email or bulk upload, staff submit and approve in the mobile app, and reimbursements go to employees in 200+ countries.
- Bill pay
- Upload, email or sync bills, have their details extracted automatically, and pay domestic or international suppliers in bulk after approval.
- Invoicing and payments
- Send invoices for free, take cards and 160+ local payment methods through checkout or payment links, and run subscription billing.
- Developer APIs
- APIs for accounts, payouts, card issuing and payments, for businesses that build these into their own products.
Airwallex pricing
- Starts at
- $12 per Spend user / month, plus a platform fee based on team size
- Free plan
- Explore: multi-currency accounts, unlimited corporate cards, expenses, reimbursements, bill pay and invoicing for up to 10 Spend users, with no monthly fee. Transaction fees apply.
- Free trial
- None listed
| Plan | Price | What you get |
|---|---|---|
| Explore | $0 | Accounts in 20+ currencies, unlimited cards, expense management, bill pay with AI coding, invoicing and Xero or QuickBooks sync, for up to 10 Spend users. |
| Grow | $12per active Spend user / month, plus a platform fee by team size | Up to 250 Spend users. Adds multi-step approvals, an AI expense policy agent, bill rules, NetSuite and Business Central sync. The platform fee is not shown. |
| Accelerate | Custom | Adds purchase orders and requests, AI 3-way matching, several legal entities, a direct ERP integration and an account manager. |
Read from airwallex.com on Oct 18, 2026. Prices change, so confirm with Airwallex before you buy.
How people rate the Airwallex app
4.8
out of 5 for the iPhone and iPad app
- 5 stars92%
- 4 stars3%
- 3 stars<1%
- 2 stars<1%
- 1 star3%
584 ratings on the App Store in the United States, read Oct 18, 2026. It rates the app, not everything the product does. See the listing
Works with
- Xero
- QuickBooks
- NetSuite
- Dynamics 365 Business Central
- BambooHR
- Shopify
- WooCommerce
- Amazon
Airwallex alternatives
- Airwallex vs Brex
Free plan · from $12/mo
- Airwallex vs Ramp
Free plan · from $15/mo
- Airwallex vs Pleo
From $12/mo
- Airwallex vs BILL
Free plan · from $49/mo
Common questions
Is Airwallex free?
Airwallex has a free plan. Explore: multi-currency accounts, unlimited corporate cards, expenses, reimbursements, bill pay and invoicing for up to 10 Spend users, with no monthly fee. Transaction fees apply. Paid plans start at $12 per Spend user / month, plus a platform fee based on team size.
How much does Airwallex cost?
Airwallex lists 3 plans. Explore: $0. Grow: $12 per active Spend user / month, plus a platform fee by team size. Accelerate: custom pricing. Prices were read from airwallex.com on Oct 18, 2026.
What platforms does Airwallex work on?
Airwallex is available on Web, iOS and Android.
How is Airwallex rated?
Airwallex's iPhone and iPad app averages 4.8 out of 5 from 584 ratings on the App Store in the United States, as read on Oct 18, 2026. That is the store's rating of the app, not a score from us.
Does Airwallex have a Windows app?
No Windows app was listed when its pages were read on Oct 18, 2026. Airwallex is listed for Web, iOS and Android.
Does Airwallex have a macOS app?
No macOS app was listed when its pages were read on Oct 18, 2026. Airwallex is listed for Web, iOS and Android.
Is Airwallex open source?
Airwallex is not described as open source on its own site, as read on Oct 18, 2026.
Does Airwallex have an API?
Yes. Airwallex offers a public API, according to its own site.
What does Airwallex integrate with?
Airwallex's listing names Xero, QuickBooks, NetSuite, Dynamics 365 Business Central, BambooHR, Shopify, WooCommerce and Amazon. A listing names up to eight integrations, so it may connect to more.
Who makes Airwallex?
Airwallex is made by Airwallex. It dates from 2015.
What are the alternatives to Airwallex?
The closest alternatives to Airwallex in our directory are Aspire, Brex, Ramp, Pleo and BILL. Each one has a side-by-side comparison with Airwallex.
How does Airwallex compare with other spend and bill pay tools?
Airwallex's GPA of 3.2 is higher than 11 of the 13 other spend and bill pay tools we grade. It stands best on value for money (A, above 9 of 13) and worst on platforms and integrations (B, above 0).
Is Airwallex good value for money?
ToolGPA grades Airwallex A for value for money. Its paid plans start at $12 a month for each person, against a middle price of $12 for the category: 4 of the 11 others that charge start lower. On features, ease of use and platforms it scores 3.0 out of 4. 1 tool scores higher and costs less.
Could I make my own version of Airwallex?
To replace Airwallex you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one. It is one of the better ones too: its GPA of 3.2 is higher than 11 of the 13 other spend and bill pay tools we grade. It costs $144 a year. What you could not make: Cards issued through a bank. Money moved between bank accounts, which takes a licensed payments partner. A real app for iOS and Android. Something home-made would be a web page. It is priced for each person, which means accounts and billing for a team. This is a judgement from its listing. We have not built one.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Oct 18, 2026. What people say is linked where it appears.