Airwallex Review 2025: Is It the Best Global Business Payment Solution?

Managing international payments has become more complex than ever—unless you’re using the right platform. In this Airwallex review, we break down what makes this fintech company a serious contender for global businesses in 2025. With features like multi-currency business accounts, real-time FX rates, and seamless API integrations, Airwallex is positioning itself as more than just a money transfer service. But does it truly deliver on its promise of fast, low-cost, and borderless payments? Let’s find out.

What Is Airwallex ?

Founded in 2015 in Melbourne, Australia, Airwallex is a financial technology company that simplifies global payments for businesses. Originally created to address challenges with foreign exchange and payment systems, Airwallex now provides solutions for eCommerce, SaaS platforms, and global merchants.

The company offers services such as multi-currency payment processing, global payouts, subscription management, and fraud protection through AI. With its API integrations, businesses can seamlessly manage payments across borders, avoiding high fees and complex processes.

Airwallex operates in over 130 countries and serves more than 100,000 businesses, from startups to enterprises, providing a cost-effective, efficient alternative to traditional banking systems.

Key Features of Airwallex Review in 2025

Multi-Currency Business Accounts

Airwallex enables businesses to hold and manage funds in multiple currencies, including USD, EUR, GBP, AUD, and more. This feature allows companies to receive payments from customers worldwide in their preferred currency and use those funds to pay suppliers or business partners, avoiding unnecessary conversion fees.

Borderless Cards for Teams

The platform offers virtual and physical debit cards that can be issued to employees, facilitating expense management and control. Businesses can set spending limits, track expenses in real-time, and manage card usage across different teams and departments.

Real-Time FX & Low-Cost Transfers

Airwallex provides competitive foreign exchange rates with transparent pricing. The platform eliminates hidden fees and offers real-time exchange rates, allowing businesses to convert currencies and make international payments efficiently.

Global Payments API Integration

For businesses with more complex needs, Airwallex offers robust APIs that allow for seamless integration with existing systems. This enables automated payment workflows, real-time transaction tracking, and customized financial solutions tailored to specific business requirements.

Integration with Business Tools

Airwallex integrates with popular business software, including accounting platforms like Xero, QuickBooks Online, and NetSuite. These integrations streamline financial workflows, enhance operational efficiency, and provide real-time financial insights.

Airwallex Pricing & Fees

Airwallex is known for its competitive and transparent fee structure. The platform charges different fees based on the services used:

International Payments: Competitive FX rates with no hidden fees.
Domestic Transfers: Often free or low-cost, depending on the region.
Card Transactions: Transparent fees based on the payment method selected by the customer.

It’s important to review the specific fees applicable to your region and the services you intend to use, as they may vary.

Airwallex Pros and Cons

Pros

Competitive FX Rates: Offers real-time exchange rates with low fees.
Multi-Currency Management: Hold and manage funds in multiple currencies.
Robust API Integrations: Seamless integration with existing business systems.
User-Friendly Interface: Intuitive platform design for ease of use.
Strong Security Measures: Compliance with global financial regulations.

Cons

Limited Physical Presence: No physical branches for in-person support.
Customer Support: Some users have reported delays in customer service response times.

Is Airwallex Safe and Regulated?

Yes, Airwallex is a secure and regulated financial platform. The company holds money transmitter licenses in multiple jurisdictions, including 43 U.S. states and territories. It complies with various financial regulations and maintains strict security protocols, such as:

Segregation of Funds: Customer funds are held separately from company operational funds.
Regular Audits: Subject to regular financial audits to ensure compliance.
Data Security: Implements advanced encryption and security measures to protect user data.

Airwallex vs Competitors in 2025

Airwallex vs Wise (formerly TransferWise)

Airwallex: Offers a comprehensive suite of business financial services, including multi-currency accounts, expense management, and API integrations.
Wise: Primarily focused on personal and small business international money transfers with transparent fees.

Airwallex vs Payoneer

Airwallex: Provides a broader range of services tailored for businesses, including virtual cards and integrations with accounting software.
Payoneer: Known for its global payment solutions, particularly for freelancers and small businesses.

Airwallex vs Revolut Business

Airwallex: Emphasizes business financial solutions with robust API capabilities.
Revolut Business: Offers a range of financial services with a focus on mobile banking and personal finance features.

Who Should Use Airwallex?

Airwallex is ideal for:

Small to Medium-Sized Enterprises (SMEs): Looking for cost-effective international payment solutions.
E-Commerce Businesses: Needing multi-currency accounts and

Customer Reviews and Ratings

Customer feedback on Airwallex is generally positive, with users praising its competitive exchange rates, user-friendly interface, and comprehensive features. However, some users have reported challenges with customer support responsiveness. On Trustpilot, Airwallex has a rating of 3.6 out of 5, based on over 1,300 reviews.

For more detailed information on Airwallex’s services and offerings, you can visit their official website: Airwallex.

Customer reviews and experiences can be found on platforms like Trustpilot, G2, and Capterra.

For the latest updates and insights, check out the Airwallex Blog.

FAQs About Airwallex

What is Airwallex and how does it work?

Airwallex is a global financial technology platform that helps businesses streamline international payments, manage multi-currency accounts, and control spending from one dashboard. Founded in 2015, Airwallex has grown into a leading solution for global businesses. It allows users to open local currency accounts in multiple countries, receive and send payments globally, access competitive FX rates, and integrate with platforms like Xero and Shopify.

Is Airwallex safe and regulated?

Yes, Airwallex is fully regulated in multiple countries, including the UK, Australia, the US, and Singapore. The company uses bank-grade security protocols, including encryption, two-factor authentication (2FA), and regular compliance audits. This makes it a trustworthy platform for managing global business finances. In this Airwallex review, it’s clear that safety is a key priority.

What are the fees and exchange rates with Airwallex?

Airwallex offers transparent pricing with no hidden fees. There are no monthly account fees, and FX rates are highly competitive—usually between 0.3% and 0.6% above the interbank rate. Domestic payments are typically free, while international transfers come with minimal fees. This makes Airwallex a cost-effective option for businesses dealing with frequent cross-border payments.

Who can open an Airwallex account?

Businesses registered in supported countries such as the UK, US, Australia, Hong Kong, and Singapore can open an Airwallex account. You’ll need to provide business registration documents and director identification during the onboarding process. Whether you’re a small startup or a large enterprise, Airwallex accommodates a wide range of business types.

How does Airwallex compare to competitors like Wise and Revolut?

While Wise and Revolut are popular fintech platforms, Airwallex stands out in this review for offering a more robust solution for business needs. Airwallex provides better scalability, API access, and enterprise-level features for managing global transactions. Wise is ideal for straightforward transfers, and Revolut offers more personal finance tools, but Airwallex is designed specifically for international business operations.

Does Airwallex integrate with accounting and e-commerce platforms?

Yes, Airwallex integrates seamlessly with accounting software like Xero and NetSuite, as well as e-commerce platforms such as Shopify, WooCommerce, and Magento. These integrations help automate workflows, reduce manual entry, and ensure accurate financial reporting—all crucial features highlighted in this Airwallex review.

What are the pros and cons of using Airwallex?

Pros:

Competitive FX rates and low transaction fees
Multi-currency accounts with local bank details
Secure, regulated, and compliant platform
Seamless integrations with business tools
Real-time transaction tracking

Cons:

Limited availability depending on your country
Occasional delays in customer support
Not ideal for companies needing in-person banking services

In summary, this Airwallex review shows that it is a strong contender for businesses looking to simplify and scale their international payment processes.

Conclusion

After thoroughly exploring its features, pricing, and performance, this Airwallex review confirms that the platform is a top-tier choice for businesses managing international payments in 2025. With its multi-currency accounts, competitive FX rates, and seamless API integrations, Airwallex offers a powerful financial infrastructure for modern, globally-minded companies.

While there are some limitations—such as customer support delays—its benefits far outweigh the drawbacks for most SMEs and startups. Whether you’re scaling operations abroad or optimizing cross-border payments, Airwallex presents a reliable and cost-effective solution.

If you’re seeking a robust alternative to traditional banking for your global financial operations, Airwallex deserves serious consideration in 2025.

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Airwallex Review 2025: Is It the Best Global Business Payment Solution?

What Is Airwallex ?