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Updated September 28, 2026 · VaultCue Editorial Team

Airwallex vs Wirex

Airwallex scores 8.6 and Wirex 9.2 out of 10. Compare their differences and shared features below.
Airwallex

Airwallex

8.6/10
Visit
Wirex

Wirex

Higher score in this comparison

9.2/10
Visit

Where Airwallex and Wirex differ

Airwallex vs Wirex
CompareAirwallexAirwallexReviewVisitVisitWirexWirexReviewVisitVisit
Transfer feeExplore plan: $0 domestic (US/Canada) local transfer, $1-$7 per international local transfer, $15 SWIFT (SHA), $25 SWIFT (OUR)Free
Exchange rate markup0.5% to 1%0%Lower
Delivery timeAs little as 1 business day; 90%+ of transfers arrive same dayInstant
Payout methodsBankBank, CardCovers more
Currenciesfrom 2040
Fee to send 1,000$1$0Lower

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

  • Wirex scores higher overall: 9.2 vs 8.6.
  • Founded is lower at Wirex: 2014 vs 2015.
  • Airwallex is licensed in 4 more countries.
  • Airwallex is available in 68 more countries.
  • Exchange rate markup is lower at Wirex: 0% vs 0.5% to 1%.
  • Fee to send 1,000 is lower at Wirex: $0 vs $1.
  • Payout methods: only Wirex offers Card.
  • Support channels: only Wirex offers 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.

Read the full Airwallex review

Wirex

Wirex suits businesses paying suppliers abroad: a currency conversion fee of 0% and transfers that cost $0 with delivery Instant. It is built for moving money across 40 currencies rather than saving, so anyone who counts currency cost as the main charge will find the shape of it suits them.

Read the full Wirex review

Score breakdown

Airwallex vs Wirex
AreaAirwallexWirex
Cost8.8A monthly fee of HKD 2,499 sits above the €449 highest fee in the comparison, offset by a HKD 0 minimum.9.6HigherConversion fee of 0% and markup of 0%, ranked 1 of 312, cost score 8.
Offer8.59.5Higher
Trust8.58.5

What it costs in practice

Send 1,000 abroad: exchange-rate markup

Airwallex

5 to 10

0.5% to 1% of 1,000

Wirex

0

0% of 1,000

Wirex comes out 5 lower in this example.

Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.

Availability and regulation

Airwallex vs Wirex
CountryAirwallexWirex
AustraliaNot confirmed
El SalvadorNot confirmed
Hong KongNot confirmed
NetherlandsNot confirmed
SingaporeNot confirmed
United KingdomNot confirmed

Additional countries for Airwallex: 69. Additional countries for Wirex: 1.

How they place

Airwallex vs Wirex
RankingAirwallexWirex
Business bank accounts2 of 56311 of 563

Every fact side by side

Airwallex vs Wirex
FactAirwallexWirex
Legal entityAirwallex Capital Hong Kong LimitedWirex Limited
HeadquartersSingaporeUnited Kingdom
Founded20152014Lower
Support channelsEmail, Help centreEmail, Help centre, CommunityCovers more

Everyday accounts

Airwallex vs Wirex
FactAirwallexWirex
Monthly feeHK$2,499Not confirmed
Deposit protectionFSCS up to GBP 85,000Not confirmed
Currency conversion feeNot confirmed0%
AudienceBusinessBusiness
Pricing modelNot confirmedLow FX

Where each stands against the rest

Airwallex vs Wirex
FactAirwallexWirexMedian
Exchange rate markup0.5% to 1%below the median0%below the median0.64
Currenciesfrom 20above the median40highest quarter6
Fee to send 1,000$1above the median$0below the median$0.25

Median across 497 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

Wirex

Pros

  • Conversion costs stay at 0% while the business group median is 1%.
  • Transfers cost $0 and arrive Instant.
  • One balance across 40 currencies, above the 4 median in the business group.

Cons

  • Support runs on email, help centre and community, with no phone line offered.
  • Payouts and withdrawals are limited to bank and card, so no cash or wallet payout is offered.
  • The named regulator is the Superintendency of the Financial System of El Salvador, while the account runs through Wirex Limited in the United Kingdom.

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

Wirex

Who it suits

  • Businesses that invoice in their home currency and buy from suppliers abroad.
  • Freelancers and small firms needing Instant transfers with a low conversion cost.
  • Anyone holding 40 currencies in a single account rather than several single currency ones.

Who should look elsewhere

  • Readers who prefer a listed European bank brand, since bunq charges a currency conversion fee of 3%.
  • Anyone already settled with Skrill, which charges 3.99% on a currency conversion.
  • PayPal Colombia users, whose conversion fee runs 3% to 4%.

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

Country by country

Airwallex vs Wirex
CountryAirwallexWirex
AustraliaYesNo
AustriaYesNo
BelgiumYesNo
BrazilYesNo
BulgariaYesNo
CanadaYesNo
Cayman IslandsYesNo
ChinaYesNo

8 of 70 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.

Wirex

What does it cost to send money with Wirex?+

Transfers are listed as free, with a transfer fee amount of $0, and the currency conversion fee is 0%. For a business that pays in several currencies, the exchange rate markup of 0% decides what a large cross border payment really costs.

Who regulates Wirex?+

The named regulator is the Superintendency of the Financial System of El Salvador. The provider is Wirex Limited, headquartered in the United Kingdom and founded in 2014, so terms, limits and how balances are treated will follow that market rather than a single global rule.

Other options to compare

Airwallex

Visit

Wirex

Visit