If you're paying international contractors or receiving payments from clients abroad, the currency conversion markup — not the transfer fee — is usually where the real cost hides. Airwallex is built specifically to cut that markup down.
Airwallex provides multi-currency business accounts, international transfers, and payment processing from one dashboard, with FX conversion priced at a small markup over the real interbank rate rather than the wide spread banks typically charge. For a business genuinely moving money across currencies — paying an international contractor, receiving client payments from abroad — that spread difference adds up fast.
| Plan | Price | Notes |
|---|---|---|
| Explore | Free (US) / Free above min. balance (UK, AU, EU) | Core multi-currency account access |
| Grow | ~$99/mo | Higher spend-user capacity, more workflow tools |
| Accelerate | ~$999/mo | Highest volume tier, dedicated support |
The plan fee isn't the main cost — transaction fees are. FX conversion runs roughly 0.5-1% over interbank rate for major currencies (vs. 2.5-4% at traditional banks). Domestic card processing runs ~1.65-2.8% + $0.30, international ~3.4-4.3% + $0.30. SWIFT transfers cost $15-25 each. Local transfers to 120+ countries are free. Pricing varies by region — verified August 2026.
If you're paying international contractors, holding multiple currencies, or receiving payments from clients abroad, Airwallex's FX savings alone can justify the switch — on a $10,000 conversion, the difference versus a traditional bank is roughly $200-300. An advisor working exclusively with domestic clients in a single currency has little reason to add this to their stack.
This is a vetted pick — a real, quantifiable savings case for advisors and small businesses genuinely operating across currencies, not a general-purpose recommendation. If your business is entirely domestic, this one's easy to skip.
Explore plan is free or free above a minimum balance depending on region. Grow runs around $99/month, Accelerate around $999/month, plus standard transaction and FX fees on any tier.
Roughly 0.5-1% markup over interbank rate versus 2.5-4% at traditional banks — about $200-300 saved on a $10,000 conversion.
Most valuable for advisors paying international contractors or receiving payments from abroad. Not necessary for domestic-only businesses.
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