Comparison
Wise Business vs Airwallex
A side-by-side look at Wise Business and Airwallex — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Wise Business
Send, hold and convert money in 40+ currencies.
Wise Business gives companies multi-currency accounts, local banking details in 10 currencies, and debit cards — at the mid-market FX rate.
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 | Wise Business | Airwallex |
|---|---|---|
| Tagline | Send, hold and convert money in 40+ currencies. | The global financial platform for modern business. |
| Headquarters | London, UK | Melbourne, Australia |
| Founded | 2011 | 2015 |
| Regions | Global, EU, UK, US | Global, APAC, EU, UK, US |
| Card type | Mastercard debit | Visa charge / debit (market dependent) |
| Pricing | One-off setup fee in some markets; usage-based FX. | Free base account; cards free; FX from 0.4%. |
| Rewards | — | Cashback on eligible spend (market dependent). |
| Best for | Cross-border SMBs, Freelancers, Remote-first companies | Cross-border businesses, Marketplaces, Global SaaS |
| Integrations | Xero, QuickBooks, FreeAgent, Wave | Xero, NetSuite, QuickBooks |
Wise Business: pros & cons
- Cheapest FX in market
- Trusted global brand
- No credit
- Limited spend controls
Airwallex: pros & cons
- Best-in-class FX
- True global coverage
- Powerful APIs
- Onboarding can be slow
- Spend management is lighter than dedicated tools