Airwallex pricing 2026: plans and costs
Quick pricing summary
- Explore: $0 user/month
- Grow: $12 user/month + platform fee based on team size
- Accelerate: Custom (custom pricing)
- Worth noting: Monthly fee charged per business legal entity. Per-transaction fees apply for FX, transfers, and payments. Grow adds a platform fee based on team size. Subscription and usage-based billing cost 0.50% per successful transaction. Platform API/Embedded Finance: custom pricing.
Plans
Explore
$0 user/month
- Up to 10 free Spend users
- Multiple business accounts; collect and hold in 20+ currencies
- Free batch transfers to 120+ countries
- Earn 3.45% on USD with Yield
- Unlimited multi-currency corporate cards with zero international fees
- Up to 2% cash rebates on local USD spend
- Credit line for corporate cards
- Expense management, reimbursement, and spend requests
- Domestic and international bill pay with AI coding
- AI receipt matching with email forwarding and bulk uploading
- Online card and local payment method acceptance
- Invoicing, subscriptions, and usage-based billing
- Xero and QuickBooks sync
Grow
$12 user/month + platform fee based on team size
- Everything in Explore
- Up to 250 Spend users
- Earn 3.60% on USD with Yield
- Purchase orders and requests
- Late submission policies and automatic card freezing rules
- Customizable, multi-conditional approvals
- Advanced rules-based automation for expenses
- AI expense policy agent
- Rules-based automation for bills
- Approval workflows for vendors
- Remittance advice for bills
- NetSuite and Dynamics 365 Business Central sync
- HRIS platform integrations
- Single sign-on
Accelerate
Custom custom pricing
- Everything in Grow
- Earn 3.72% on USD with Yield
- AI 3-way matching for goods receipts and invoices
- Custom direct Spend API integration with ERP
- Global Entity Management (up to 3 entities included)
- Dedicated account manager
- Onboarding support
What you get on each plan
| Feature | Explore | Grow | Accelerate |
|---|---|---|---|
| Spend user fees | Up to 10 free Spend users | $12 per active Spend user/month up to 250 Spend users | Custom |
| Yield on USD | 3.45% | 3.60% | 3.72% |
| FX conversion | 0.5% above interbank for major currencies, 1.0% for others | 0.5% above interbank for major currencies, 1.0% for others | 0.5% above interbank for major currencies, 1.0% for others |
| SWIFT transfers | $15-$25/transfer | $15-$25/transfer | $15-$25/transfer |
| Domestic transfers in USD & CAD | Free | Free | Free |
| Domestic card acceptance | 2.8% + $0.30 | 2.8% + $0.30 | 2.8% + $0.30 |
| International card acceptance | 4.30% + $0.30 | 4.30% + $0.30 | 4.30% + $0.30 |
| Automatic tax calculation | 0.4% per transaction | 0.4% per transaction | 0.4% per transaction |
| Customizable, multi-conditional approvals | — | ✓ | ✓ |
| Advanced rules-based automation for expenses | — | ✓ | ✓ |
| Purchase orders and requests | — | ✓ | ✓ |
| 3-way matching | — | — | ✓ |
| NetSuite sync | — | ✓ | ✓ |
| Single sign-on | — | ✓ | ✓ |
| Custom ERP Spend API integration | — | — | ✓ |
| Dedicated account manager | — | — | ✓ |
| Onboarding support | — | — | ✓ |
Hidden costs & add-ons
| Cost driver | Price | When it applies |
|---|---|---|
| Additional legal entity (Global Entity Management) | Additional fees may apply | Accelerate |
Airwallex pricing vs alternatives
| Brand | Entry price | Free plan | Model | Best for | |
|---|---|---|---|---|---|
| Airwallex | Free; paid from $12 per seat / mo | Yes | Per seat | — | |
| Expensify | — | — | — | Individuals organizing their own expenses, and businesses managing expenses for teams of any size | Compare → |
| BILL Spend & Expense | Free; paid from $49 per seat / mo | Yes | Per seat | Small and midsize businesses that want company cards, budgets and expense control without a per-user software fee. | Compare → |
| Ramp | Free; paid from $15 per seat / mo | Yes | Per seat | Startups and global enterprises alike; the free plan suits smaller teams that want to simplify finances. | Compare → |
| Zoho | — | — | — | Businesses of all sizes, from startups to enterprises, wanting one suite for sales, support, finance and HR | Compare → |
List prices as published on www.airwallex.com:443/en-us/pricing. Totals are worked examples, not quotes.