5 Best Alternatives To Airwallex in 2025

Airwallex is a globally recognised platform used by businesses to collect, hold, and move money across borders. Even so, its size and global reach do not automatically make it the right fit for everyone. Maybe you want clearer fees, quicker answers from support, or tools that actually make everyday business tasks easier, not just sending international transfers.

If you’re wondering what else might work better, this guide walks you through 5 solid alternatives worth considering. Each one addresses a different solution, whether you want simpler fees, a smoother way to receive payments, stronger support, or a more flexible account setup.

Ready to dive in? Here are three strong options to start with.

Our Top Picks

1st Choice

Multi-currency account with predictable FX and dedicated human support.

Learn More Get Started

2nd

Global multi-currency account with low FX fees and broad reach.

3rd

Business account with cards, spend controls, and local payments.

Why trust us?

This shortlist is meant to help you find an Airwallex alternative that actually fits how your business operates, even if that option is not us. Choosing the wrong setup often leads to friction later, such as switching providers, redoing onboarding, or adjusting workflows, so our focus is clarity, not promotion.

We review each provider using the same practical criteria, such as FX costs, currency coverage, transfer reliability, features, onboarding, and support. Our recommendations are based on official information and real feedback from SMEs using these platforms.

Last reviewed: 12 December 2025.

How We Evaluated These Alternatives

To build this list, we reviewed widely available payment and multi-currency platforms that businesses can use as alternatives to Airwallex. Providers with limited access or enterprise-only models were excluded, so the comparison stays practical for SMEs.

How We Evaluated Each Alternative

These criteria help keep things practical so you can compare options without unnecessary complexity. If a specific fee or feature matters to your business, it’s always a good idea to double-check the provider’s website for the latest details, then use the summaries below to narrow down your shortlist.

Statrys

Trustpilot Score: 4.5 (360+ reviews)

Founded in 2020, Statrys is a payment platform with services available in Hong Kong and Singapore. We support SMEs that want a more guided and predictable way to manage multi-currency payments across Asia. Our business account supports 11 major currencies with transparent FX fees starting from 0.1%, giving teams clearer control over conversion costs.

Support is one area where we take a more personal approach. You work directly with a dedicated account manager who helps with onboarding, payment checks, and everyday questions. And if you're expanding into Asia, we can also help with company registration and corporate admin in Hong Kong and Singapore, which can be useful if you prefer to manage these services in one place.

Statrys's Key Features

Multi-currency business account
Hold, receive, and send 11 major currencies under one account number, with local payout options available across key Asian and international markets.
Transparent FX from 0.1%
Conversion fees are shown upfront before each transfer, helping SMEs estimate cross-border costs more easily.
Dedicated account manager
Get quick, direct help from someone who knows your business, instead of going through ticket queues or automated replies.
Simple, non-tiered pricing
One fixed monthly plan keeps things simple, without changing limits or unexpected fees.
Xero integration for cleaner bookkeeping
Sync transactions directly into Xero to reduce manual work and keep multi-currency accounting organised.

✅ When Statrys is a better fit

Statrys is a strong alternative to Airwallex if you want a more guided, predictable setup rather than a global platform focused on advanced features.

Statrys is a good fit if:

You want clearer and more predictable FX costs: Conversion fees start from 0.1%, with everything shown upfront to help SMEs avoid unexpected charges when moving funds across currencies.
You want support that doesn't feel automated: Questions around payments, onboarding, or exceptions are handled by a dedicated account manager rather than automated systems.
You operate mainly across Asia: We cover 11 major currencies with strong local payout coverage in Hong Kong, Singapore, mainland China, and nearby markets.
You want simple, fixed pricing: One monthly plan keeps costs consistent, without shifting allowances or changing tiers.

⚠️ When Statrys is not suited to your business

Statrys is not designed for every workflow. It is not suitable if:

Your business is not registered in Hong Kong, Singapore, or the BVI: We only support businesses from these jurisdictions. If your entity is based elsewhere, you'll need a provider that accepts your company's registration country.
You rely on marketplace payouts: Platforms like Amazon or Shopify require direct receiving integrations that Statrys does not currently support.
You need advanced developer tools or custom API workflows: Statrys focuses on guided support, not developer-led automation. If your team builds custom payment flows, a platform with stronger API infrastructure will be more suitable.

Tip: If you’re weighing Statrys against Airwallex, here’s a clear, side-by-side comparison that covers fees, features, and support.

Currenxie

Trustpilot Score: 3.7 (180+ reviews)

Currenxie is a Hong Kong-based platform that helps businesses receive international payments without opening overseas bank accounts. You get virtual local account details in markets such as the US, UK, EU, Australia, and Hong Kong, along with the ability to hold up to 15 currencies. This helps businesses manage overseas payments without opening multiple bank accounts.

It also supports payments to several Asian countries, including Thailand, Indonesia, Vietnam and mainland China, which is useful for businesses working across the region. Just note that support is handled mainly through help articles and email rather than real-time channels.

Currenxie's Key Features

Local account details in major markets
Receive payments through virtual local accounts in places such as the US, UK, EU, Australia and Hong Kong.
Support for 15 currencies
Hold and manage balances in multiple currencies without needing separate bank accounts.
Payments across Asia
Send payments to markets including Thailand, Indonesia, Vietnam and mainland China when working with partners in the region.
No monthly account fees
There are no setup or subscription charges. You only pay for services like transfers and FX conversions.
Straightforward online onboarding
Eligibility appears at the first step. The application is fully online, which helps SMEs get started quickly.

✅ When Currenxie is a better fit

Currenxie is a solid choice if you need a simple international account without the advanced tools that larger platforms focus on.

Currenxie is a good fit if:

You mainly need a simple receiving account: Currenxie works well when your priority is collecting payments from overseas clients without needing complex automation or large volume flows.
You prefer low ongoing costs: With no monthly fees, it fits SMEs that want basic multi-currency tools without paying for features they rarely use.
Your payment flows are predictable: For example, if you receive payments from a few markets and pay a small set of partners, Currenxie keeps operations easy to manage.

⚠️ When Currenxie is not suited to your business

Currenxie is not designed for structured teams or support-heavy workflows. It is not suitable if:

You rely on fast or hands-on support: Most enquiries are handled through email or help articles, which can slow things down if you often need real-time help.
You need multiple cards for your team: Currenxie offers only one card per account and only for Hong Kong companies. Teams that need structured spend controls will outgrow this quickly.
Your business is in a restricted jurisdiction: US-incorporated companies and some high-risk regions are not supported. If your entity falls into these categories, you will need a provider that can onboard your registration country.

Interested? Explore how Currenxie and Airwallex compare in detail.

Wise

Trustpilot Score: 4.3 (277,000+ reviews)

Wise, founded in 2011, offers a global multi-currency account built for businesses that work across different countries. It lets you receive payments using local account details in major markets such as the UK, US, EU, Australia, and Singapore, and supports holding and converting more than 40 currencies. This helps companies get paid faster while avoiding the higher fees often charged by traditional banks.

Wise is also known for its transparent pricing. There are no monthly fees, transfers use competitive FX rates, and onboarding is fully online. The trade-off is that support is more self-service, and some features, such as card access or accounts that earn interest, depend on where your business is registered.

Wise Transfer's Key Features

Local account details in major markets
Receive payments like a local in regions such as the UK, US, EU and Australia, without opening separate bank accounts.
40+ supported currencies
Hold, convert and send money in currencies including GBP, USD, EUR, AUD, SGD, JPY, CAD and more.
Mid-market FX rates
Transfers use the mid-market rate with transparent fees shown before you send money.
Fast, fully online onboarding
Set up your business account digitally, often within a day, with no branch visits needed.
Batch and scheduled payments
Send multiple payouts at once, useful for paying suppliers or contractors regularly.
Integrations for accounting and payouts
Connect Wise to tools like Xero or use the API to automate parts of your workflow.

✅ When Wise is a better fit

Wise is a strong alternative if you prioritise global reach, transparent pricing and affordable international payments.

Wise is a good fit if:

You receive payments from multiple countries: Local account details make collecting funds easier and reduce dependency on SWIFT transfers.
You want clear fees without monthly charges: Wise suits SMEs that send or receive international payments and want predictable FX costs without subscriptions.
Your team prefers a digital, self-managed setup: Most tasks can be done in the app. Onboarding is quick and easy to complete on your own.

⚠️ When Wise is not suited to your business

Wise focuses on global transfers, not full banking or personalised support. It is not suitable if:

You need traditional banking tools: Wise does not offer loans, overdrafts, cash deposits or cheques, so you may need a bank alongside Wise.
Your team needs flexible card options: Each team member gets one physical card, and virtual cards aren't always available. Larger teams may find this restrictive.
You rely on direct human support: Most enquiries start in the Help Centre, and reaching a specialist can take time, which may slow you down during payment checks.

Want a direct comparison? Here’s a quick Airwallex vs Wise overview of fees, FX, features, and support.

Aspire

Trustpilot Score: 4 (140+ reviews)

Aspire is a digital platform offering business accounts, corporate cards, and tools to help SMEs manage company spending. It operates across key Asian markets and stands out for unlimited virtual cards with spending controls and fast local payments in HKD, SGD, USD, and EUR. You can also receive money using local account details in these currencies, helping reduce SWIFT costs.

The platform is fully online, with quick onboarding and useful integrations for ecommerce and SaaS businesses. It’s a good fit if your focus is on expense control and fast local payments, rather than managing complex cross-border setups.

Aspire's Key Features

Local account details in key markets
Receive payments in HKD, USD, EUR, and SGD without forced conversions, reducing SWIFT fees.
Unlimited virtual cards with controls
Issue unlimited virtual cards with custom limits and approval flows, plus 1% cashback on eligible SaaS and marketing spend.
Fast domestic payments
Free domestic transfers via FPS (Hong Kong) and FAST/PayNow/GIRO (Singapore) for payroll and supplier payments.
Integrated spend management
Built-in tools let you track expenses in real time, set budget rules, and sync transactions to accounting tools like Xero and QuickBooks.
Ecommerce and payment gateway integrations
Connect to Shopify, Amazon, TikTok, Shopee, Stripe, PayPal, and more to streamline payouts.

✅ When Aspire is a better fit

Aspire is a good choice if you prioritise expense control, virtual cards, and fast local payments over advanced treasury tools or APIs.

Aspire is a good fit if:

You manage many subscriptions or employee expenses: Unlimited virtual cards help separate SaaS tools, ad spend, or team budgets.
You rely on local payments: FPS and FAST/PayNow make everyday domestic transfers quick and free.
You want quick onboarding and an easy-to-use app: Most tasks from setup to payments can be done directly in the app.

⚠️ When Aspire is not suited to your business

Aspire is not built for complex international payment needs. It is not suitable if:

You need consistent international transfer speeds: Based on user feedback, cross-border transfers may not always be as fast or predictable, which can affect scheduled payouts.
You work with a wide range of currencies: Aspire supports fewer currencies than platforms like Airwallex or Wise, and most other currencies must be converted.
You prefer phone or more direct support: Support is mostly chat-based, which may feel slow during urgent or complex cases.

Tip: Our Aspire vs Airwallex comparison breaks down fees, features, and day-to-day use.

ZA Bank

Trustpilot Score: Not listed

ZA Bank is a Hong Kong-licensed digital bank designed for companies that want a simple, mobile-first way to handle HKD, CNY, and USD payments. It fits businesses that operate mainly locally and do not need complex multi-currency features.

You can manage most tasks directly in the app, including FPS and CHATS transfers, basic FX, and time deposits. ZA Bank also provides unsecured SME loans for eligible businesses. Eligibility is strict, though. All directors and shareholders must be Hong Kong tax residents with an HKID, and the account supports only three currencies.

ZA Bank's Key Features

Supports HKD, CNY, and USD
Hold and use the three currencies most common for Hong Kong SMEs in one account.
Local payments via FPS and CHATS
Send and receive HKD, CNY, and USD quickly through Hong Kong's main payment systems.
Basic FX and time deposits
Exchange between major currencies in the app and place time deposits in HKD, CNY, or USD.
SME loan options
Eligible businesses can access unsecured loans of up to HKD 4 million.
Managed fully in the app
Everything from onboarding to everyday transfers is managed in the ZA Bank app.

✅ When ZA Bank is a better fit

ZA Bank works well if your business mainly needs simple, local banking rather than wider global features.

ZA Bank is a good fit if:

You operate mostly in HKD, CNY, and USD: Local SMEs with predictable payment flows can manage everything easily in the app.
You prefer a mobile-first setup: FPS, CHATS, FX, and time deposits are all handled online without visiting a branch.
You need straightforward financing: ZA Bank's unsecured SME loans can help businesses that want quick access to working capital.

⚠️ When ZA Bank is not suited to your business

ZA Bank is not built for global operations or businesses with more complex structures. It is not suitable if:

You need broader currency coverage: The account supports only HKD, CNY, and USD, so any other currency will need to be converted.
Your business has foreign directors or shareholders: All owners must be Hong Kong tax residents with an HKID, which may not suit many international setups.
You rely on cards or software integrations: ZA Bank does not offer business cards or connect to accounting tools. If you need team cards, expense controls, or links to software like Xero, a fintech platform will be a better fit.

Useful: Check out our in-depth review of ZA Bank Business Account to learn more about their features, fees, eligibility, and how the account works in real life.

Final Note

There is no single alternative that works for every business. Each provider in this list focuses on different strengths, such as FX costs, local payment access, spend control, or hands-on support.

Some businesses also use more than one platform to cover different needs, for example, separating international transfers from cards or local payments. The best choice usually comes down to how your business handles payments today and what you want to keep straightforward as you grow.

Open a Multi-Currency Business Account in Hong Kong

Receive and make payments in all major currencies.

A dropdown of some supported currencies by the Statrys business account.

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FAQs

What are the best alternatives to Airwallex?

There is no single best alternative to Airwallex for every business. The right option depends on what you prioritise. For example, Statrys focuses on predictable FX and human support, Wise suits businesses that need broad global coverage with low FX fees, Aspire works well for expense control and cards, and Currenxie is useful for simple international receiving. Local digital banks like ZA Bank may also suit Hong Kong–based businesses with mostly domestic needs. Each solves a different problem.

What is Airwallex?

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Disclaimer

More info

Statrys competes directly with Airwallex in the Hong Kong payment industry. However, we're committed to providing an unbiased, thorough review to help you make an informed choice.