Airwallex review

Airwallex started as a cross-border payments company, and its corporate card reflects that. The free Explore plan includes unlimited multi-currency corporate cards with zero international fees, up to 2% cash rebates on local USD spend, a credit line for corporate cards and controls to limit, freeze or cancel cards. The same plan lets a startup open accounts that hold 20+ currencies, send free batch transfers to 120+ countries and pay domestic and international bills with AI coding. Grow costs $12 per user per month plus a platform fee based on team size and adds purchase orders, late submission policies with automatic card freezing, multi-conditional approvals, budget tracking and NetSuite or Dynamics 365 Business Central sync. For a US-only startup the extra currency features add little, and Ramp or Mercury are simpler. For a startup with engineers in Europe, suppliers in Asia or revenue in several currencies, avoiding card FX fees can matter more than any rewards rate.

Who it is for

startups paying vendors and staff in several currencies

Price

Explore $0 per user; Grow $12 per user per month plus a platform fee; Accelerate custom.

Grow For growing businesses to manage funds and spend with precision $12 per user/month
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Unlimited multi-currency corporate cards with zero international fees on the free plan
• Up to 2% cash rebates on local USD spend
• Credit line for corporate cards and advanced card controls to limit, freeze or cancel cards
• Collect and hold funds in 20+ currencies with free batch transfers to 120+ countries
• Grow adds late submission policies, automatic card freezing and multi-conditional approvals

Strengths and weaknesses

• Strength: No international card fees, a real saving for foreign software and contractor spend
• Strength: Explore includes expense management, reimbursements and bill pay at $0
• Strength: NetSuite and Dynamics 365 Business Central sync on Grow
• Weakness: Grow adds a platform fee on top of $12 per user
• Weakness: SWIFT transfers cost $15 to $25 each
• Weakness: Broader than a card product, so setup takes longer than a card-only tool

Key facts

• Currencies held: 20+
• Plans: Explore $0; Grow $12 per user per month plus platform fee
• Card rebates: Up to 2% on local USD spend

Where it ranks

Airwallex is No. 5 in our Best Corporate Cards for Startups verdict.