Airwallex Fee Calculator

On a US Airwallex account you pay 2.80% + $0.30 to accept a domestic card and 4.30% + $0.30 on an international one. Those are ordinary numbers — Stripe and PayPal sit around 2.9%, and PayPal is cheaper on the international card. On acquiring alone there is no case for switching.

The case sits on the FX line. Conversion runs 0.5% over interbank against the 2.5–4% charged by banks and PayPal, so a business converting $2m a year pays roughly $10,000 instead of $50,000–$80,000. That is a treasury saving, not a processing saving, and it accrues whether or not you ever take a card payment. Companies whose receipts and costs sit in the same currency will not recover the switching cost.

These are US figures. Airwallex prices each entity’s home market separately and the spread on acquiring is more than twofold, which makes the registration question material for any group with entities in more than one country. Set the region in the calculator above, or see what Airwallex charges in your country.

Airwallex Fees at a Glance (2026)

Plan pricing is the part of Airwallex that changes most between countries — not just the amount, but the shape of the bill. Australia, the UK and Europe sell three tiers and waive the entry fee if you deposit or hold enough (A$10,000 in Australia, £10,000 in the UK). Singapore, Hong Kong and New Zealand start free outright. The US and Canada charge no monthly fee at all — they bill per user, from $0 to $12 (C$12) on Grow. Japan, Malaysia and Israel sell no tiers whatsoever: one account, priced per transaction. Extra cardholders cost extra almost everywhere, on terms that differ by market too.

What the tier does not change is the rate card. Card acceptance, FX and transfer pricing are identical on every plan within a market, so paying for Grow or Accelerate buys you cards, users and support — not cheaper payments. Pick your region below for the exact schedule.

What an Airwallex Account Includes

Most comparisons treat Airwallex as a payment processor and stop at the card rate. It is four businesses sold together, and the rate card prices one of them. Read any regional pricing page and it covers the same four things: acquiring, FX, transfers and plan fees. Issuing, payouts, connected accounts, embedded payments and invoicing appear across the product range and on none of the rate cards. Knowing which side of that line your use case falls on decides whether the published numbers tell you anything at all.

Accepting money

Hosted checkout, payment links and no-code plugins for Shopify, WooCommerce, Magento, BigCommerce, PrestaShop, Salesforce Commerce Cloud, SAP, Shoplazza and ShopLine, all settling through the same card and local-method rates — 160+ payment methods across 180+ countries. The feature worth underlining is like-for-like settlement: take payment in a currency and hold it in that currency, and no conversion occurs on the way in. Airwallex is explicit that method availability depends on where your merchant entity sits, so confirm your own list rather than the headline count. In-person is newer — an M90 terminal and SoftPOS Tap to Pay, live in the UK, EU, Singapore and Hong Kong, with the US, Canada, Australia, New Zealand, Malaysia and Japan listed as coming, and no published rate on either.

Holding and moving money

Global Accounts hold 20+ currencies with local bank and branch codes, collecting in 70+ markets, with no opening fee, no monthly maintenance and no minimum balance. Payouts reach 200+ countries in 60+ currencies, with local clearing in over 120 of them and settlement in as little as one business day. Funds arrive by local transfer, SWIFT or direct debit, batch runs take up to 1,000 recipients at a time, and Airwallex states no transaction limits and no additional industry limits — the second of which is worth checking against your own vertical, since it is where most providers apply one. The rail choice is the controllable cost: local is free, SWIFT is $15–25 from a US account and priced per transfer everywhere.

Idle balances can sit in Airwallex Yield. The headline return is a money-market fund yield that moves daily, so the figure worth holding on to is the management fee, which is published and fixed: on the European schedule 0.41% annualised on Explore, 0.30% on Grow and 0.24% on Accelerate for EUR, and 0.42% / 0.31% / 0.15% for USD. This is a fund investment rather than a deposit — capital is at risk and it carries no deposit insurance — which is the detail that decides whether your treasury policy permits operating cash to sit there at all.

Spend and back office

Cards are free to create and charge 0% on foreign currency spend when paid from a matching wallet balance, against the 2–3% a conventional corporate card applies to the same purchase. Around them sit expense management, Bill Pay into 200+ countries, and purchase orders with OCR invoice matching and multi-step approval routing — Airwallex positions that last one at around fifty employees, which is a fair read of when PO discipline starts paying for itself. Xero, NetSuite and QuickBooks sync is available in most regions rather than all, per Airwallex’s own wording, so verify it for your entity before assuming the close is automated. None of these carry a separate price; they come with the plan, and the plan is where you pay for them.

Billing and platform products

Invoicing in 130+ currencies and 160+ local methods, subscription billing across 180+ countries, usage-based metering, and for platforms and marketplaces: connected accounts onboarding users in 50+ markets, with Airwallex running KYC, AML and sanctions screening and varying what it collects by local requirement; embedded payments that split settlement to sellers after your fee without PayFac registration; card issuing as a Visa principal member in 60+ countries, transacting in 170+ currencies at 0% international card fees; and transactional FX across 1,000+ pairs in 60+ currencies. FX quotes lock from one minute to 24 hours, and G10 pairs can be hedged forward for settlement 2 to 180 days out — relevant if you price contracts in a currency you will not receive for a quarter.

Three Things Decide What You Pay

Acquiring and payouts are priced independently, so the two sides of the account should be modelled separately. Conversion is the only cost that lands on both.

1. Acquiring: the entity’s country of registration

A UK entity pays 1.30% + £0.20 on a domestic consumer card. A US entity pays 2.80% + $0.30 for the equivalent; Singapore and Hong Kong pay 3.30%. On $5m of card volume that spread is $75,000 a year between a UK and a US entity, on identical processing. For groups already holding entities in several jurisdictions, which one contracts is a live commercial decision rather than an administrative one — and it is fixed at onboarding.

2. Payouts: local rail or SWIFT

Local clearing is free across 120+ countries and settles in as little as one business day. SWIFT is $15–25 per transfer from a US account and priced per transfer in every market. Because it is flat rather than proportional, it is immaterial at $50,000 and 5–8% of the payment at $300 — the argument for consolidating small supplier runs into fewer, larger transfers, and for confirming rail coverage per corridor before assuming a payout is free.

3. Either direction: whether you convert at all

Airwallex charges 0.5% over the interbank rateon major currencies and 1% on the rest. That is genuinely low: PayPal and most banks take 2.5–4% for the same conversion, so a business converting $50,000 a month pays about $250 instead of $1,250 to $2,000.

Like-for-like settlement removes the cost entirely: collect in EUR, hold EUR, pay EUR suppliers from that balance and no conversion occurs. For a business with matched currency exposure that is worth more than any markup negotiation, and it is the reason to hold the balances rather than sweep them home.

A Worked Example, and Where the Saving Really Is

Take a $1,000 payment from an overseas customer into a US Airwallex account, which you then convert to euros to pay a supplier.

The card fee is $43.30 of the $48.08 — and PayPal would charge 3.49% + $0.49 for the same international card, so acquiring is the line where Airwallex loses.

The conversion cost $4.78 against roughly $24 to $38 through PayPal at 2.5–4%. Scaled to real volume that is the entire case: a treasury and FX business that also acquires, priced accordingly. Where there is no conversion there is no saving to capture.

Who It Suits, and Who It Does Not

Airwallex is a strong fit for a specific shape of business and a poor one for others. The dividing line is cross-border volume, not size.

Frequently Asked Questions