Comparison
Relay vs Airwallex
A side-by-side look at Relay and Airwallex — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Relay
Online business banking and money management.
Relay is a US business banking platform built for Profit First and finance ops — up to 20 checking accounts and 50 debit cards.
Airwallex
The global financial platform for modern business.
Airwallex provides multi-currency accounts, global cards, FX, bill pay and embedded finance — letting companies operate like locals in 60+ countries.
Side-by-side
| Spec | Relay | Airwallex |
|---|---|---|
| Tagline | Online business banking and money management. | The global financial platform for modern business. |
| Headquarters | Toronto, Canada | Melbourne, Australia |
| Founded | 2018 | 2015 |
| Regions | US | Global, APAC, EU, UK, US |
| Card type | Visa debit | Visa charge / debit (market dependent) |
| Pricing | Free Standard; Pro $30/mo. | Free base account; cards free; FX from 0.4%. |
| Rewards | — | Cashback on eligible spend (market dependent). |
| Best for | US small businesses, Bookkeepers | Cross-border businesses, Marketplaces, Global SaaS |
| Integrations | QuickBooks, Xero, Gusto | Xero, NetSuite, QuickBooks |
Relay: pros & cons
- Best for Profit First
- No credit
Airwallex: pros & cons
- Best-in-class FX
- True global coverage
- Powerful APIs
- Onboarding can be slow
- Spend management is lighter than dedicated tools