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Airwallex review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Airwallex Yield suits businesses that want idle operating cash to earn a variable rate without tying it up. The Hong Kong account charges a monthly fee of HKD 2,499 on top of a 2.18% to 3.83% rate, and the account is easy access, so the balance stays reachable.

Key facts

Best for
Businesses parking spare operating cash in a business account that still pays interest.
Headline rate
2.18% to 3.83%↗
Rate type
Variable↗
Minimum deposit
HK$0↗
Deposit protection
FSCS up to GBP 85,000↗
Access terms
Airwallex Yield: no lock-up, no minimum balance, daily returns, funds settle to and from Yield balances within 2 business days↗
Monthly fee
HK$2,499↗
Account kind
Easy access↗
Legal entity
Airwallex Capital Hong Kong Limited↗
Headquarters
Singapore↗
Founded
2015↗
Support channels
Email, Help-centre↗
Official website
airwallex.com

Money transfer

Transfer fee
Explore plan: $0 domestic (US/Canada) local transfer, $1-$7 per international local transfer, $15 SWIFT (SHA), $25 SWIFT (OUR)↗
Exchange rate markup
0.5% to 1%↗
Delivery time
As little as 1 business day; 90%+ of transfers arrive same day↗
Payout methods
Bank↗
Currencies
from 20↗
Fee to send 1,000
$1↗

Everyday accounts

Audience
Business

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • Airwallex Yield has no lock-up and no minimum balance, with returns added daily and a short settlement window on and off the balance
  • A variable rate of 2.18% to 3.83% with a minimum deposit of HKD 0
  • Exchange rate margins of 0.5% to 1% sit under the 2.08% upper quartile for money services here
  • UK deposit protection is FSCS up to GBP 85,000

Cons

  • A monthly fee of HKD 2,499 sits well above the €449 highest fee among the business accounts compared
  • Support runs on email and help centre only
  • The rate is variable, so the return can move rather than being locked in for a term
Airwallex

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Scored 8.6 / 10 by VaultCue.

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Who it suits

  • Businesses that keep spare cash in a easy access account and want a return without a lock-up
  • Companies paying and collecting across borders, with from 20 currencies supported and margins of 0.5% to 1%

Who should look elsewhere

  • Not for anyone after a card balance rate: AXI Card Tarjeta y Credito lists 21.59% and Plazo ES lists 24.19%, far above the 2.18% to 3.83% on business cash here
  • Not for a consumer wallet: PayPal Colombia lists 3.3%, while this account is built for business customers with a HKD 2,499 monthly fee

Fees and currency costs

The minimum deposit is HKD 0, so small balances can sit in the account from the start. The monthly fee is HKD 2,499, and that is the number that decides whether the balance is worth holding here. A business that keeps a healthy operating float will find that fee easier to carry than one parking a small sum overnight.

Who runs it

The account runs through Airwallex Capital Hong Kong Limited, while the group is headquartered in Singapore and was founded in 2015. Support runs on email and help centre. The group is supervised by the Securities and Futures Commission (Hong Kong), BUL570; the Australian Securities and Investments Commission (ASIC), AFSL 487221; the Financial Conduct Authority (UK), 900876; the Monetary Authority of Singapore, PS20200541; and De Nederlandsche Bank, R179622.

How Airwallex compares

Where Airwallex is available

Available
Australia, Austria, Belgium, Brazil, Bulgaria, Canada, Cayman Islands, China, Costa Rica, Croatia, Cyprus, Czechia, Denmark, Estonia, Fiji, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macao, Malaysia, Malta, Marshall Islands, Martinique, Mayotte, Mexico, Netherlands, New Zealand, Norway, Philippines, Poland, Portugal, Puerto Rico, Reunion, Romania, Saint Martin (French Part), Samoa, Seychelles, Singapore, Slovakia, Slovenia, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, United Kingdom, United States, Vietnam, Virgin Islands, British, Virgin Islands, U.S.
Licence in Hong Kong
Securities and Futures Commission (Hong Kong) (BUL570), checked September 26, 2026
Licence in Australia
Australian Securities and Investments Commission (ASIC) (AFSL 487221), checked September 26, 2026
Licence in United Kingdom
Financial Conduct Authority (UK) (900876), checked September 26, 2026
Licence in Singapore
Monetary Authority of Singapore (PS20200541), checked September 26, 2026
Licence in Netherlands
De Nederlandsche Bank (R179622), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does the balance earn?+

Airwallex Yield pays a variable rate, currently 2.18% to 3.83%. The account kind is easy access, so the money is not tied to a term. Returns are added daily, and funds settle to and from Yield balances over a short settlement window.

Is there a minimum deposit or a lock-up?+

There is no lock-up and no minimum balance, and the stated minimum deposit is HKD 0. That makes the balance easy to try with a small sum and easy to top up or draw on. Cash moves to and from Yield balances across a short settlement window rather than on a fixed term.

What does the account cost each month?+

The monthly fee is HKD 2,499, and that sits well above the €449 highest fee among the business accounts compared here. The minimum deposit is HKD 0, so the fee, not the deposit, is what you pay to hold an easy access balance that earns interest.

Is the money protected?+

Deposit protection for UK customers is FSCS up to GBP 85,000, and the account is run by Airwallex Capital Hong Kong Limited. The group also holds licences in Hong Kong, Australia, Singapore and the Netherlands, which matters if your cash sits with a different entity in a different market.

Which regulator and licence apply?+

In the UK the group is authorised by the Financial Conduct Authority, reference 900876. Supervision also sits with the Securities and Futures Commission in Hong Kong, the Australian Securities and Investments Commission, the Monetary Authority of Singapore and De Nederlandsche Bank, so the group is watched in every market it serves.

How quickly can I get paid out?+

Payouts go to bank accounts. Most transfers arrive the same day, and the account is easy access, so cash sitting in the business account is not locked away. Yield itself carries no lock-up, though funds settle to and from Yield balances over a short window.

What do transfers and currency conversion cost?+

On the Explore plan, domestic local transfers in the US and Canada are free, while international local transfers and SWIFT transfers carry a charge. The listed transfer fee is $1, and exchange rate margins run 0.5% to 1%, below the 2.08% upper quartile on this site.

Sources

Compiled from 13 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

Airwallex

Airwallex

Businesses parking spare operating cash in a business account that still pays interest.

8.6/10Visit