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.
This profile is compiled from public sources, information supplied by providers and AI-generated content. It may be inaccurate or out of date — always verify details directly with Airwallex before applying or signing anything. PaymentsDatabase is not a party to any agreement between you and Airwallex. Disclaimer
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.
Licences & 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 regulatorsOnboarding requirements
Features
Sources
- Airwallex Help Centre — How is Airwallex licensed and regulated? · help.airwallex.com
- Airwallex Help Centre — Eligible Countries and Territories · help.airwallex.com
- Airwallex Docs — Payment methods overview · airwallex.com
- Airwallex Docs — Supported regions and currencies · airwallex.com
- Airwallex UK — pricing · airwallex.com
- Airwallex Australia — pricing · airwallex.com
- Airwallex US — pricing · airwallex.com
- Airwallex Hong Kong — pricing · airwallex.com
- Airwallex — Series H funding, $11bn valuation (25 June 2026) · airwallex.com
- De Nederlandsche Bank public register — Airwallex (Netherlands) B.V. · dnb.nl
- Airwallex Help Centre — Unsupported Industries · help.airwallex.com
- Airwallex Help Centre — when funds settle · help.airwallex.com
- Airwallex Docs — settle into your Airwallex balance · airwallex.com
- Airwallex UK — online payments · airwallex.com
- Airwallex Docs — payment plugins · airwallex.com
- Wikipedia — Airwallex · en.wikipedia.org
Select a method to see every listing that accepts it.
Europe 33
AustriaAT
BelgiumBE
BulgariaBG
CroatiaHR
Czech RepublicCZ
DenmarkDK
EstoniaEE
FinlandFI
FranceFR
GermanyDE
GibraltarGI
GreeceGR
HungaryHU
IcelandIS
IrelandIE
Isle of ManIM
ItalyIT
LatviaLV
LiechtensteinLILithuaniaLT
LuxembourgLU
MaltaMTNetherlandsNL
NorwayNO
PolandPL
PortugalPT
RomaniaRO
SlovakiaSK
SloveniaSI
SpainES
SwedenSE
SwitzerlandCHUnited KingdomGBAmericas 11
Asia 15
Africa 3
Oceania 5
- Merchant discount rate
- 1.30% – 4.30%
- Setup fee
- None
Settlement
T+N set by payment method and reserve plan; daily batch, intraday option available
Pricing notes
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.
Alternatives to Airwallex
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Compare Airwallex
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Frequently asked questions
What payment methods does Airwallex support?
Airwallex supports 41 payment methods, including Mastercard, Visa, Bank Transfer, American Express, BLIK, iDEAL, Apple Pay, Google Pay, Diners / Discover, Klarna and 31 more.
Which countries does Airwallex operate in?
Airwallex serves merchants in 67 countries, including Brazil, France, Germany, Italy, Belgium, Netherlands, Austria, Spain, Mexico, Poland and 57 more.
Which currencies does Airwallex support?
Airwallex supports 23 currencies, including EUR, USD, MXN, GBP, SEK, PLN, DKK, CAD, NOK, CHF and 13 more.
How much does Airwallex cost?
Airwallex publishes its pricing. Card rates are published per market and differ a lot. Rates vary by payment method and country, so check Airwallex’s website for current pricing.
Is Airwallex regulated?
Airwallex holds authorisations from Australian Securities and Investments Commission, Financial Conduct Authority, De Nederlandsche Bank, Monetary Authority of Singapore, Hong Kong Monetary Authority, Hong Kong Customs and Excise Department and 8 more. Always check the regulator’s public register before relying on it.
What are the alternatives to Airwallex?
Alternatives to Airwallex that share its categories and countries include Rapyd, Nuvei, Adyen, PayPal, MuchBetter, Stripe, Worldpay and Mifinity.