Updated September 28, 2026 · VaultCue Editorial Team
Airwallex vs Finom
Airwallex
Finom
Higher score in this comparison
Where Airwallex and Finom differ
| Compare | AirwallexReviewVisitVisit | FinomReviewVisitVisit |
|---|---|---|
| Headline rate | 2.18% to 3.83% | 5%Higher |
| Rate type | Variable | Fixed |
| Minimum deposit | HK$0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Airwallex Yield: no lock-up, no minimum balance, daily returns, funds settle to and from Yield balances within 2 business days | Instant access, withdraw at any time with no withdrawal penalties |
| Monthly fee | HK$2,499 | €0 |
| Account kind | Easy access | Cash management |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Finom scores higher overall: 8.9 vs 8.6.
- Founded is lower at Airwallex: 2015 vs 2019.
- Airwallex is licensed in 3 more countries.
- Airwallex is available in 58 more countries.
- Headline rate is higher at Finom: 5% vs 2.18% to 3.83%.
- Support channels: only Finom offers Chat, Community.
Our verdict on each
Airwallex
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.
Finom
Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.
Score breakdown
| Area | Airwallex | Finom |
|---|---|---|
| Cost | 8.8A monthly fee of HKD 2,499 sits above the €449 highest fee in the comparison, offset by a HKD 0 minimum. | 9.3HigherCosts sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%. |
| Offer | 8.5 | 9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate. |
| Trust | 8.5Higher | 8.2 |
Choosing between them
Pick Airwallex if trust matter most.
Pick Finom if cost, offer, and headline rate matter most.
How they place
| Ranking | Airwallex | Finom |
|---|---|---|
| Savings accounts | 3 of 1420 | 1 of 1420 |
| Business bank accounts | 2 of 563 | 1 of 563 |
| Multi-currency accounts | 3 of 348 | 2 of 348 |
Every fact side by side
| Fact | Airwallex | Finom |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee, Fixed rate |
| Legal entity | Airwallex Capital Hong Kong Limited | PNL Fintech B.V. |
| Headquarters | Singapore | Netherlands |
| Founded | 2015Lower | 2019 |
| Support channels | Email, Help centre | Email, Chat, Help centre, CommunityCovers more |
Money transfer
| Fact | Airwallex | Finom |
|---|---|---|
| Transfer fee | Explore plan: $0 domestic (US/Canada) local transfer, $1-$7 per international local transfer, $15 SWIFT (SHA), $25 SWIFT (OUR) | Free outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro) |
| Exchange rate markup | 0.5% to 1% | Not confirmed |
| Delivery time | As little as 1 business day; 90%+ of transfers arrive same day | Not confirmed |
| Payout methods | Bank | Not confirmed |
| Currencies | from 20 | 17 |
| Fee to send 1,000 | $1 | Not confirmed |
Everyday accounts
| Fact | Airwallex | Finom |
|---|---|---|
| Currency conversion fee | Not confirmed | 1% |
| Audience | Business | Business, FreelancerCovers more |
| Features | Not confirmed | Free ATM |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | €10,000 |
Where each stands against the rest
| Fact | Airwallex | Finom | Median |
|---|---|---|---|
| Headline rate | 2.18% to 3.83%above the median | 5%above the median | 3.25 |
Median across 658 listed accounts.
Pros and cons
Airwallex
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
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
Finom
Pros
- The minimum deposit is €0, so an account can be opened without a large opening balance.
- The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
- Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.
Cons
- The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
- The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
- Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.
Who each suits
Airwallex
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
Finom
Who it suits
- Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
- Small businesses paid in euros by clients abroad who want several currencies in one place.
- Readers who want a set rate on working money rather than the highest variable rate on the table.
Who should look elsewhere
- Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
- Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
- Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.
Current offers
Airwallex
Current offer
Bonus
Limited offer - business rewards with Airwallex AI: Up to HK$68,888
Hong Kong site offer banner linking to the 2026 Airwallex AI rewards campaign page
Source, checked September 26, 2026
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | Airwallex | Finom |
|---|---|---|
| Australia | Yes | No |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Canada | Yes | No |
| Cayman Islands | Yes | No |
| China | Yes | No |
| Costa Rica | Yes | No |
| Croatia | Yes | No |
8 of 69 countries where either is available.
Questions about each
Airwallex
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.
Finom
What does it cost to keep a Finom account?+
The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.
Is my money protected if something goes wrong?+
Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.
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