# Airwallex

> Multi-currency business accounts, cards, bill pay and expenses

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.

- **Category:** Spend & Bill Pay
- **Made by:** Airwallex (since 2015)
- **Website:** https://www.airwallex.com/en-us
- **Runs on:** Web, iOS, Android
- **Facts last checked:** Oct 18, 2026

## Pricing

Airwallex has a free plan. Paid plans start at $12 per Spend user / month, plus a platform fee based on team size.

- **Pricing model:** Free plan
- **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 | $12 per 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 https://www.airwallex.com/en-us/pricing on Oct 18, 2026. Prices change, so confirm with Airwallex before buying.

## 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.

## 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.

## ToolGPA grades

**GPA: 3.2 out of 4**, graded Oct 18, 2026. 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.

- **Value for money: A.** Free 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.
- **Free plan and trial: B.** Explore 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.
- **Features: B.** The 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.
- **Ease of use: B.** 4.81 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.
- **Platforms and integrations: B.** Web, iPhone and Android, with Xero, QuickBooks, NetSuite, Business Central, BambooHR, Shopify, WooCommerce and Amazon, plus developer APIs. No desktop app is listed.

These are ToolGPA's own grades. 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.

## Where it 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.

The category's chart of price against score: https://toolgpa.com/charts/expenses

## Keep it, 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.

- You could make: Expense tracking and invoicing: an app builder makes these well.
- You could not: Cards issued through a bank.
- You could not: Money moved between bank accounts, which takes a licensed payments partner.
- You could not: A real app for iOS and Android. Something home-made would be a web page.
- You could not: It is priced for each person, which means accounts and billing for a team.
- You could not: It plugs into other products, Xero, QuickBooks and NetSuite among them, and has an API.
- You could not: AI features, unless you pay a model provider for each request yourself.
- You could not: The depth: we grade its features B, which means it covers the whole job.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## What people say

- **App Store rating of the iPhone and iPad app:** 4.8 out of 5 from 584 ratings in the United States, read Oct 18, 2026. This is the store's rating of the app, not a score from ToolGPA. Source: https://apps.apple.com/us/app/id1537521807

## Works with

Xero, QuickBooks, NetSuite, Dynamics 365 Business Central, BambooHR, Shopify, WooCommerce, Amazon

**Tags:** Company cards, Bill pay, Expense tracking, Invoicing, AI features, Public API

## Alternatives

- [Aspire](https://toolgpa.com/tools/aspire): Free business account with global payments, cards and expense tools. [Compare](https://toolgpa.com/compare/airwallex-vs-aspire)
- [Brex](https://toolgpa.com/tools/brex): Corporate cards, expenses, bill pay and travel for growing companies. [Compare](https://toolgpa.com/compare/airwallex-vs-brex)
- [Ramp](https://toolgpa.com/tools/ramp): Corporate cards, expenses, travel and bill pay, with a free plan. [Compare](https://toolgpa.com/compare/airwallex-vs-ramp)
- [Pleo](https://toolgpa.com/tools/pleo): Company spending cards and expense reports from Copenhagen. [Compare](https://toolgpa.com/compare/airwallex-vs-pleo)
- [BILL](https://toolgpa.com/tools/bill): Bill pay, invoicing and free company cards for small businesses. [Compare](https://toolgpa.com/compare/airwallex-vs-bill)

## Sources

The prices, plans, platforms and features above were read from these pages on Oct 18, 2026:

- https://www.airwallex.com/en-us/pricing
- https://www.airwallex.com/en-us/terms/fee-schedule
- https://www.airwallex.com/en-us/spend-management/cards
- https://www.airwallex.com/en-us/who-we-are
- https://www.airwallex.com/en-us/integrations

Page: https://toolgpa.com/tools/airwallex
Listed by ToolGPA (toolgpa.com).