Airwallex Review 2025

Airwallex is built for the modern tech startup. It offers a powerful financial stack that includes high-limit virtual cards, expense management, and borderless accounts.

Key Features

• Unlimited Virtual Cards: Issue cards for every employee or subscription.
• Expense Management: Upload receipts and sync with Xero/NetSuite.
• Payment Links: Accept card payments from customers globally.

Fee Structure

• Account Opening: Free.
• Monthly Fees: None for the core account.
• FX Fees: Competitive, often better than banks but slightly higher than Wise for some pairs.

Pros & Cons

Pros

• Incredible API for developers.
• High spending limits on cards.
• 0% international transaction fees on cards.

Cons

• Strict onboarding/KYC process.
• Not suitable for sole traders in some regions.

Verdict

Airwallex is the best choice for funded startups and growing SMEs that need a robust financial operating system, not just a money transfer tool.