Airwallex
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Airwallex gives businesses local receiving accounts in 20+ currencies and FX rates close to interbank, with API-driven payments reaching 130+ countries. Wise is more transparent on fees, but Airwallex trades some of that simplicity for deeper API access, batch payments, and card issuing.
★★★★★
More details +ATC Expert Verdict
Airwallex gives international businesses FX rates and currency reach few can match — just check your country's real pricing first, and remember it's an e-money account, not a bank.PROS:
- FX markup (~0.5-1%) far undercuts traditional banks (1.5-4%+)
- Local receiving accounts in 20+ currencies, reach into 130+ countries
- Free local transfers to 120+ countries
- Deep API access, batch payments, accounting sync (Xero, QuickBooks, NetSuite)
- Free or near-free entry tier depending on region
CONS:
- Pricing isn't one number — changes by country
- E-money institution, not a bank — safeguarded, not deposit-insured
- Higher tiers don't lower FX markup, just add seats and support
- API-first dashboard has a real learning curve if you're not technical
- This program only covers UK, Canada, US, and Australia
