Airwallex
Multi-currency business accounts, FX and card acquiring from one provider. Publishes card rates market by market and onboards businesses registered in around 68 countries and territories.
Airwallex began in Melbourne in 2015, when five founders including Jack Zhang and Lucy Liu set out to cut what cross-border payments cost a small exporter. It has grown into one of the larger private fintechs outside the United States, raising $320m in June 2026 at an $11bn valuation in a round led by Addition, and it now runs dual headquarters in Singapore and San Francisco. At that round it put annualised revenue at $1.3bn and annualised transaction volume at $287bn, across roughly 676,000 business customers.
Three things merchants usually buy separately arrive together here. A multi-currency account gives local details in currencies including USD, GBP, EUR, AUD, SGD, HKD, JPY, CNY, MXN, ILS and AED. FX is priced at 0.5% above interbank for major pairs and 1% for the rest. And Airwallex acquires cards in its own name across Australia, Canada, Switzerland, the EEA, Hong Kong, Israel, Japan, Mexico, Malaysia, New Zealand, Singapore, the UK and the US, with roughly 160 local methods layered on top: iDEAL, BLIK, Bancontact, eps, Bizum, FPX, DuitNow, GrabPay, Alipay, Konbini, Klarna, Afterpay and Atome among them.
Pricing is published, which is unusual at this size, but it varies sharply by market. UK domestic cards run at 1.30% + 20p, Australia at 1.65% + A$0.30, the US at 2.80% + $0.30 and Hong Kong at 3.30% + HK$2.35, each with a higher international-card rate and a paid plan tier above the free one.
Two limits are worth checking early. Airwallex only accepts businesses registered in about 68 countries and territories, so the places it pays out to are not the places it can onboard you. Its acceptable-use policy also rules out gambling, games of skill and adult content outright, with no enhanced-diligence route around either.
What Airwallex costs
Airwallex quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.
- Settlement
- T+N set by payment method and reserve plan; daily batch, intraday option available
Licences and regulation
Authorisations Airwallex holds, as published by the provider or regulator. Check the register entry before relying on it.
Australian Securities and Investments Commission
Financial Conduct Authority
De Nederlandsche Bank
Monetary Authority of Singapore
Hong Kong Monetary AuthorityHong Kong Customs and Excise Department
FINTRAC
Bank of Lithuania
Kanto Local Finance Bureau
Bank Negara Malaysia
Israel Securities Authority
Banco Central do Brasil
Comisión Nacional Bancaria y de Valores
US state banking regulatorsWhat you need to onboard
Company Details · Company Documents · Director ID · Personal Details
Features
3D Secure · Account Updater · Chargeback Management · FX Conversion · Fraud Prevention · Mass Payouts · Multi-Currency · Network Tokenisation · Partial Refund · Payouts · Recurring Payments · Refunds · Reporting & Analytics · Sandbox / Testing Environment · Tokenisation · Virtual IBAN · Webhook Notifications · White Label
What the last check found
Recheck against Airwallex's own documentation, which publishes the most complete method matrix of any provider rechecked so far: a table of roughly 95 methods, each with the shopper locations it accepts and the presentment currencies it can be charged in. The methods and countries here come from that table, not from marketing copy.
Two country footprints exist and they are far apart. Airwallex holds a licence and opens a Global Account in 16 regions — Australia, Canada, Denmark, Estonia, Germany, Hong Kong, Indonesia, Israel, Mexico, the Netherlands, New Zealand, Poland, Singapore, the UAE, the UK and the US — and that is where money can sit and settle. Shoppers can pay from far more places, which is what the longer country list reflects. The 16 are the consequential set for anyone choosing where to be paid, and several of them carry eligibility conditions on the merchant's own domicile or on which Airwallex entity onboards it.
SWIFT collection works in only five of those regions: Denmark, Hong Kong, Singapore, the UK and the US. Everywhere else is local methods only. Direct debit payout exists in five: BECS in Australia, EFT in Canada, SEPA Core in the Netherlands, BACS in the UK and ACH in the US.
One detail the table carries that a method list cannot: several Asian wallets accept cross-border presentment. GCash, DANA, Kakao Pay, TrueMoney and Rabbit LINE Pay can each be charged in HKD, USD, SGD, AUD or EUR as well as their home currency, which is the difference between selling into those markets and having to hold their currency first.
Checked against Airwallex’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.
Pricing, in detail
Card rates are published per market and differ a lot. United Kingdom: 1.30% + £0.20 UK domestic Visa/Mastercard, 2.40% + £0.20 EEA cards and American Express, 3.15% + £0.20 international and UnionPay; local methods £0.20 plus the method's own fee. Australia: 1.65% + A$0.30 domestic, 3.45% + A$0.30 international. United States: 2.80% + $0.30 domestic, 4.30% + $0.30 international. Hong Kong: 3.30% + HK$2.35 domestic, 3.60% + HK$2.35 international, local methods HK$2.00. FX is 0.5% above interbank for major currencies and 1% for the rest (Hong Kong page quotes FX from 0.2%). Subscription and usage-based billing adds 0.50% per successful card transaction. Account plans are separate: UK Explore £0 if depositing £10k a month or holding a £10k balance, otherwise £19/month, Grow £49/month, Accelerate quoted; Australia Explore A$0 or A$29, Grow A$99, Accelerate from A$999; Hong Kong Explore free, Grow HK$499, Accelerate from HK$2,499; US Explore free, Grow $12 per user per month. Local transfers to 120+ countries are free; SWIFT transfers cost roughly £10-20, $15-25 or HK$120-200. No published account opening or setup fee. Chargeback fees are not published.
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Similar to Airwallex
Sources · 19
- Airwallex Help Centre — How is Airwallex licensed and regulated? · help.airwallex.comUsed for entity names, regulators, licence types and reference numbers across 20 jurisdictions
- Airwallex Help Centre — Eligible Countries and Territories · help.airwallex.comUsed for the list of countries and territories where a business can be registered to open an account
- Airwallex Docs — Payment methods overview · airwallex.comUsed for payment method list and the card-acquiring business locations (AU, CA, CH, EEA, HK, IL, JP, MX, MY, SG, NZ, UK, US)
- Airwallex Docs — Supported regions and currencies · airwallex.comUsed for Global Account currency list by region
- Airwallex UK — pricing · airwallex.comUsed for UK card rates, EEA and international card rates, FX markup, plan fees, transfer fees
- Airwallex Australia — pricing · airwallex.comUsed for Australian card rates, FX markup, plan fees, transfer fees
- Airwallex US — pricing · airwallex.comUsed for US card rates, FX markup, plan fees, SWIFT transfer costs
- Airwallex Hong Kong — pricing · airwallex.comUsed for Hong Kong card rates, local method fee, plan fees
- Airwallex — Series H funding, $11bn valuation (25 June 2026) · airwallex.comUsed for valuation, round size, investors, annualised revenue and transaction volume, customer count, licence count, dual headquarters
- De Nederlandsche Bank public register — Airwallex (Netherlands) B.V. · dnb.nlUsed for Dutch EMI authorisation date, relation number, EEA passporting, French and German branches
- Airwallex Help Centre — Unsupported Industries · help.airwallex.comUsed for prohibited industries, including gambling, games of skill and adult content
- Airwallex Help Centre — when funds settle · help.airwallex.comUsed for settlement model: reserve requirement and payment-method schedule, batch settlement
- Airwallex Docs — settle into your Airwallex balance · airwallex.comUsed for T+N settlement framework, daily batch at a configured cut-off, intraday fast settlement option
- Airwallex UK — online payments · airwallex.comUsed for 160+ local payment methods, processing set-up in 35+ markets, 3DS/SCA optimisation, network tokenisation, account updater, fraud engine
- Airwallex Docs — payment plugins · airwallex.comUsed for Shopify, WooCommerce, Magento, BigCommerce, PrestaShop and Shopline integrations
- Wikipedia — Airwallex · en.wikipedia.orgUsed for founding year and founders, headquarters history, funding history, acquisitions (cross-check)
- Airwallex Docs — payment methods · airwallex.comUsed for the method list, the shopper location for each method, and the presentment currencies each can be charged inChecked 20 October 2026
- Airwallex Docs — supported regions and currencies · airwallex.comUsed for the 16 Global Account regions, which currencies each can hold, which five accept SWIFT, and which five support direct debit payoutsChecked 20 October 2026
- Airwallex documentation index · airwallex.comUsed for locating the method matrix and the regions and currencies pagesChecked 20 October 2026
19 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with Airwallex before you sign anything. How we compile this · Suggest a correction ·