Airwallex Fee Calculator
Calculate Airwallex fees for global payments and currency exchange. Compare domestic cards (2.8% + $0.30), international cards (4.3% + $0.30), local payment methods, and subscription billing rates.
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Airwallex - Domestic Cards Fee Structure
Airwallex is a leading global fintech platform designed specifically for businesses managing international payments. Founded in 2015, Airwallex serves over 100,000 businesses with ultra-low FX fees (0.5% for major currencies, 1.0% for others) and competitive payment processing rates of 2.8% + $0.30 for domestic cards and 4.3% + $0.30 for international cards. The platform supports multi-currency accounts in 20+ currencies and payment acceptance in 160+ local payment methods.
Unlike traditional payment processors that charge 2.5-4% for currency conversion, Airwallex's 0.5% FX markup (for major currencies like USD, EUR, GBP, SGD, HKD, AUD) can save businesses thousands on international transactions. With free local transfers to 120+ countriesand competitive card processing rates, Airwallex is ideal for global businesses with multi-currency needs.
Our Airwallex fees calculator helps you understand exact costs for international payments. Whether you're paying suppliers overseas, receiving payments in multiple currencies, or managing cross-border e-commerce, calculate your savings compared to traditional processors.
How Airwallex Fees Are Calculated
Airwallex offers transparent, tiered pricing that varies by transaction type and region. Their fee structure is designed for businesses with international operations, offering competitive rates on card payments, FX conversions, and cross-border transfers.
💳 Card and Transaction Fees
Domestic Cards (Visa, Mastercard, Amex)
2.8% + $0.30 per transaction (US pricing)
International Cards
4.3% + $0.30 per transaction for non-domestic cards
Local Payment Methods (WeChat Pay, GrabPay, 160+ methods)
$0.30 + payment method fee (varies by method)
Subscription Management
0.5% per successful recurring card transaction
🌍 Foreign Exchange (FX) and Transfers
FX Conversions
0.5% above interbank rate for major currencies (AUD, USD, EUR, GBP, SGD, HKD), 1.0% for all others
Local Transfers
Free to 120+ countries (fast, local transfers)
SWIFT Transfers
$15-$25 per transfer (SHA and OUR options available)
📋 Additional Fees
Corporate Card Fees
First 2 cardholders free, then $15/month per additional cardholder (in select regions)
Refund and Gateway Fees
Refund fee for successful refund requests; gateway fee per payment attempt (regardless of success/failure)
3D Secure Authentication
Fee per 3DS authentication request
Fraud Service Fee
Fee for payments evaluated by the fraud detection engine
⚠️ Important Considerations
Regional Differences:
Fees vary significantly by country. UK pricing differs from Australia, Singapore, US, etc. Always check region-specific pricing.
Pricing Tiers:
Free "Explore" tier available with no monthly fee (pay-per-transaction). Premium plans may have monthly fees but lower per-transaction costs.
Custom Pricing:
High-volume businesses ($1M+ monthly) can negotiate volume-based discounts. Contact Airwallex for enterprise rates.
Example Calculation:
International payment of $1,000:
- • Payment amount: $1,000
- • Processing fee: 1% + $0.30 = $10.30
- • FX fee (if applicable): 0.6% = $6.00
- • Total Airwallex fee: ~$16.30
- • Net received: $983.70
Compare: PayPal would charge $34.90 + $0.49 = $35.39, saving $19+ with Airwallex
Tips to Save on Airwallex Fees
Use Multi-Currency Accounts
Hold funds in multiple currencies to avoid conversion fees when paying in the same currency you receive. This eliminates the 0.5-0.7% FX markup entirely.
Choose Local Payment Methods
Local payment options like bank transfers often have lower fees than international cards. Fees can be as low as 0.5% for domestic transactions.
Negotiate Volume Pricing
High-volume businesses can negotiate custom rates with Airwallex. Processing $1M+ monthly may qualify for rates as low as 0.5% + $0.10.
Why Global Businesses Choose Airwallex
Airwallex specializes in multi-currency accounts and international payments with 0.3-0.6% FX fees—up to 10x cheaper than banks or PayPal. Perfect for cross-border e-commerce, paying international suppliers, and managing global teams.
✅ Best For:
- • Cross-border e-commerce (EU/Asia customers)
- • Paying international suppliers/contractors
- • Holding 50+ currencies without conversion
- • Saving $10K-$100K annually on FX fees
❌ Not Ideal For:
- • US-only domestic businesses
- • Personal/freelance use (use Wise instead)
- • Under $10K/month international volume
- • High-risk industries (CBD, crypto, adult)
Frequently Asked Questions
How much does Airwallex charge for payments?
Airwallex charges as low as 1% + $0.30 for international card payments. FX conversion fees are 0.5-0.7%, significantly lower than PayPal (2.5-4%) or banks (3-4%). Local payments can be as low as 0.5% with no fixed fees.
Are Airwallex fees lower than PayPal?
Yes, Airwallex is significantly cheaper. For international payments, Airwallex costs around 1.7% total (1% + 0.7% FX) versus PayPal's 5-7% (3.49% + 2.5-4% FX). On a $1,000 transaction, that's $17 vs $70—saving $53 per transaction.
What are Airwallex FX fees?
Airwallex charges 0.5-0.7% above the mid-market exchange rate, compared to 2.5-4% for PayPal and 3-5% for banks. This makes Airwallex 3-6x cheaper for currency conversion, saving thousands on international transactions.
Does Airwallex have monthly fees?
Airwallex has no monthly subscription fees for basic accounts. You only pay per-transaction processing fees and FX fees. Optional features like physical cards or premium account tiers may have small monthly fees, but core payment processing is pay-as-you-go.
Last Updated: January 2026 | Airwallex fees vary by payment method and region. Please verify current rates on the official Airwallex website.