Airwallex
Airwallex is the multi-currency account layer that also does spend: Explore is $0 per user per month, Grow is $12 per user per month plus a platform fee, and Accelerate is custom - with up to 10 free Spend users.
Verified against: airwallex.comairwallex.com as of 2026-10-03
Quick verdict: Airwallex is the pick when the hard part is moving money across borders rather than photographing receipts, and it is the only vendor in this cluster that will show you its transaction fees as numbers before you sign. For a plain expense-reporting requirement it is overkill and expensive: the expense features are still arriving on the roadmap, and the headline subscription is a rounding error next to the interchange and FX lines. If you are a single-entity company with USD spend, a $5 per member tool beats it; if you are running four entities in four currencies, nothing else here does that job.
- Our rating: 4.1/5
- Strongest dimension: Functionality (5/5, research only)
- Weakest dimension: Collaboration (3/5, research only)
- Pricing: Free plan · $12/user/mo (Grow) plus platform fee
- Verification: Research-only pass over official sources, last checked 2026-10-03. Sources: airwallex.com, airwallex.com
Airwallex pricing details
- Free plan available
- paid plans from $12/user/mo (Grow) plus platform fee
- explore $0 per user/month · Grow $12 per user/month plus a platform fee based on team size · Accelerate custom pricing
- no published annual rate; monthly prices are stated in USD and the page notes that terms and additional fees may apply
Subscription per user plus a team-size platform fee, with payment and card rails charged separately: 2.80% + $0.30 domestic, 4.30% + $0.30 on international cards, 0.50% per successful subscription transaction, $15-$25 per wire, and $12 per active Spend user/month above the 10 free Spend users up to 250
In our index: Explore $0/user/month · Grow $12/user/month plus team-size platform fee · Accelerate custom · up to 10 free Spend users, then $12 per active Spend user/month up to 250 · cards 2.80% + $0.30 domestic, 4.30% + $0.30 international, subscriptions 0.50%, wires $15-$25
How Airwallex scores across our 6 index dimensions
- Functionality: 5/5 (research only)
- Usability: 4/5 (research only)
- Stability: 4/5 (research only)
- Collaboration: 3/5 (research only)
- Localization: 5/5 (research only)
- Value: 4/5 (research only)
Score rationale: The only vendor here where the payment rails, not the expense report, are the product - multi-currency accounts in 20+ currencies, local collection accounts and cross-border settlement are the same product as the cards. It is the right pick if you are multi-entity and multi-currency, and the wrong one if all you need is receipt capture, where a $5 per member tool will beat it.
What Airwallex does well
- The only vendor here that publishes its transaction economics as actual numbers: domestic cards 2.80% + $0.30, international 4.30% + $0.30, subscriptions 0.50% per successful transaction, wires $15-$25
- Business accounts in 20+ currencies, local collection accounts and like-for-like settlement in the same product as the cards
- A free tier that includes unlimited multi-currency corporate cards with zero international fees, not a stripped trial
- Up to 10 free Spend users above the subscription fee, so a rollout does not start billing on day one
Where Airwallex falls short
- Expense reporting is the junior product here - the roadmap even lists several expense and accounting features as coming soon
- Grow is $12/user/month plus a team-size platform fee, and the fee is not published as a number
- Single-platform concentration: if you need deep accounting integration, the NetSuite and Dynamics connectors sit on Grow and above
- The pricing page mixes a subscription product with a payments product, so the headline $0 and $12 numbers are not what most buyers actually pay
How Airwallex compares to other Expense & Spend Management tools
Our index tracks 5 Expense & Spend Management tools. Airwallex sits at 4.1/5, with no published annual rate; monthly prices are stated in usd and the page notes that terms and additional fees may apply. Here are the 4 closest alternatives we hold pricing and scoring evidence for.
- Ramp — 4.4/5 · Free plan · $15/user/mo (Plus) plus platform fee
Ramp prices in two steps as well - Free at $0 per user per month and Plus at $15 per user per month - and adds a platform fee on top, with a published 20% discount for annual billing. - Brex — 4.3/5 · Free plan · $12/user/mo (Premium)
Brex runs a two-step public price list: Essentials is $0 per user per month and Premium is $12 per user per month, with the card, the expense tooling and the credit line all sitting on top of that seat fee. - Expensify — 4.2/5 · Free 30-day trial of Collect · $5/member/mo (Collect)
Expensify is the pay-as-you-go outlier of expense management: Collect is a flat $5 per unique member a month, and Control annual starts at $18 per member included, dropping to $9 with Expensify Card volume discounts. - Navan — 4.0/5 · Free plan · $15/user/mo after 5 free expensing users
Navan is free for companies of up to 300 employees: Navan Business costs nothing, Navan Expense is free for the first five expensing users and then $15 per user per month, and Navan Enterprise is sales-only.
Frequently asked questions about Airwallex
How much does Airwallex cost?
Free plan available; paid plans from $12/user/mo (Grow) plus platform fee; explore $0 per user/month · Grow $12 per user/month plus a platform fee based on team size · Accelerate custom pricing; no published annual rate; monthly prices are stated in USD and the page notes that terms and additional fees may apply. Billing detail: Subscription per user plus a team-size platform fee, with payment and card rails charged separately: 2.80% + $0.30 domestic, 4.30% + $0.30 on international cards, 0.50% per successful subscription transaction, $15-$25 per wire, and $12 per active Spend user/month above the 10 free Spend users up to 250. Figures verified 2026-10-03.
Does Airwallex have a free plan?
Yes. Airwallex has a free tier; paid plans start at $12/user/mo (Grow) plus platform fee.
What is Airwallex rated in our index?
Airwallex sits at 4.1/5 in our index, strongest on functionality (5/5, research only) and weakest on collaboration (3/5, research only). Airwallex is the pick when the hard part is moving money across borders rather than photographing receipts, and it is the only vendor in this cluster that will show you its transaction fees as numbers before you sign. For a plain expense-reporting requirement it is overkill and expensive: the expense features are still arriving on the roadmap, and the headline subscription is a rounding error next to the interchange and FX lines. If you are a single-entity company with USD spend, a $5 per member tool beats it; if you are running four entities in four currencies, nothing else here does that job.
What are the drawbacks of Airwallex?
Expense reporting is the junior product here - the roadmap even lists several expense and accounting features as coming soon Grow is $12/user/month plus a team-size platform fee, and the fee is not published as a number Single-platform concentration: if you need deep accounting integration, the NetSuite and Dynamics connectors sit on Grow and above The pricing page mixes a subscription product with a payments product, so the headline $0 and $12 numbers are not what most buyers actually pay.
What does Airwallex do well?
The only vendor here that publishes its transaction economics as actual numbers: domestic cards 2.80% + $0.30, international 4.30% + $0.30, subscriptions 0.50% per successful transaction, wires $15-$25 Business accounts in 20+ currencies, local collection accounts and like-for-like settlement in the same product as the cards A free tier that includes unlimited multi-currency corporate cards with zero international fees, not a stripped trial Up to 10 free Spend users above the subscription fee, so a rollout does not start billing on day one.
How was Airwallex verified?
Research-only pass over official sources, last checked 2026-10-03. Sources: airwallex.com, airwallex.com.
What are the alternatives to Airwallex?
We track Brex, Ramp, Navan, Expensify as the closest alternatives in our Expense & Spend Management index.