Top 5 Airwallex Alternatives in 2025 (and What They Do Better)

Airwallex offers a wide international reach, broad currency support, multi-currency wallets, and developer tools, making it a decent choice for cross-border teams doing international transactions. However, SMEs may find the platform complex and lacking in personalised support. Receiving fees could add up, and users will need to manually set up each local account, which is an extra step required after successfully signing up.

Whether you’re a small startup or a global business seeking a simpler experience, more consistent features, or stronger regional support, these Airwallex alternatives could be a better fit.

There is no one-size-fits-all approach to what is considered a "good" alternative to Airwallex. What matters most is what you need for your business today and for the future.

For many SMEs, a good alternative is one that’s easier to use and offers more hands-on support, while others value lower fees or more currencies.

Since there's no "right" answer for everyone, here are some of the things you should think about when looking for an Airwallex alternative:

• Does it have all the currencies I need? – You don't need a business account with access to 20+ currencies when you only use 2 or 3 currencies regularly. The number of currencies offered should match your actual needs. Having too many options can complicate your finances and may come with unnecessary fees or management hassles.
• Do I need to talk to a real person when I need help? – Not all providers will offer on-demand access to real-human customer support. If you know that you want access to human support, make sure to choose a provider that can offer you that.
• Does it offer ATM withdrawals? – If you or your team need quick access to cash while traveling or managing expenses, having the option to withdraw money from ATMs worldwide can be a convenience.
• Are the fees transparent? – Transparent, straightforward pricing helps you know exactly what you’re paying and manage your budget more effectively.
• Is it SME-friendly? – If you run a small or medium business with moderate payment volumes, you will likely benefit more from a service that’s straightforward and easy to use than complicated setups full of features that require a technical team to manage.
• Does it have FX tools? – FX tools help you convert money at better exchange rates and protect you from big rate swings, so you don’t lose money when the market changes.

Considering these factors, here’s a quick overview of the top alternatives to Airwallex:

Statrys is a licensed payment service provider in Hong Kong that offers global payment solutions to businesses registered in Hong Kong, Singapore, and the British Virgin Islands (BVI). The services include multi-currency business accounts, low-cost international transfers, business payment cards, seamless integrations with marketplace and payment processer, FX tools and more.

Supporting over 5,000 companies globally, Statrys has facilitated more than $5 billion in transfers and over $2 billion in FX volume. Statrys is tailored for modern business needs, with dedicated, human-led support.

• Multi-currency business account that can hold and manage 11 different currencies under a single account number, including HKD, CNY, USD, AUD, EUR, GBP, SGD, JPY, CHF, NZD, and CAD.
• Send international payments via SWIFT and track them in real-time.
• Make cross-border payments as local transfers in 12 currencies (e.g., USD, EUR, GBP) for lower fees and faster delivery.
• Physical and virtual Mastercard® prepaid cards to use at POS terminals and ATMs; manage all cards via your dashboard.
• FX services with real-time mid-market rates and the option to lock in rates
• Sync with Xero for automated bookkeeping and transaction tagging.
• Connect to marketplaces and payment processors, such as Shopify, Stripe and PayPal.
• Personalised support from your dedicated account manager via email, WhatsApp, WeChat, or phone.

Currenxie is a financial services provider licensed in Hong Kong, Canada, Australia, Ireland, South Africa, the United Kingdom, and the United States. Its core service enables businesses to open local currency accounts in major markets such as the US, UK, and EU. This makes it a simple tool for businesses that need to manage multiple currencies, pay international suppliers, and collect local payments.

In addition, Currenxie accounts can integrate with popular ecommerce platforms and payment gateway providers. As such, it is another interesting option for ecommerce businesses with international operations. 

• Multi-currency wallet supporting over 15 currencies, including USD, EUR, HKD, GBP, JPY, AUD, CAD, and more.
• Local currency accounts with unique account details in over 40 countries, such as the US, UK, EU, Hong Kong, Australia, Japan, Canada, and Mexico
• Virtual and physical Visa debit cards are available for Hong Kong companies. Set spending limits, use your card online, in-store, or at ATMs. Earn 1% cashback on eligible purchases.
• Connect to Xero for automatic bookkeeping and real-time transaction syncing.
• Collect payments from ecommerce platforms and payment gateways like Shopify, eBay, Etsy, Stripe, Alipay, Amazon, Adyen, PayPal and more.

Wise is primarily recognised as an international money transfer service for personal use, but it also provides business accounts. With Wise, businesses can receive payments locally from over 30 countries and send money to more than 70 countries worldwide.

Wise operates globally and offers a variety of business-friendly features, including batch payments and API integrations. However, some features, such as business debit cards used to spend abroad, are only available in certain regions.

• A multi-currency business account that allows you to hold and manage over 40 currencies 
• Local account details in 9+ currencies, including GBP, EUR, USD, SGD, and CAD, to receive payments as if you had domestic bank accounts.
• Send international payments to more than 70 countries.
• Make up to 1,000 payments at once by uploading a single CSV file. 
• Exchange currencies across more than 40 currency pairs
• Integrate with platforms like Shopify and QuickBooks or create custom connections using Wise APIs.
• Open API, which you can use to automate your payment and streamline your workflows.
• Wise business debit cards, with no foreign transaction fees and cashback on eligible purchases. (Only for selected regions) 

Aspire is a financial platform that provides business payment solutions for startups, small and medium-sized enterprises, and mid-sized businesses (up to 1,000 employees). It is known in Southeast Asia with offices in Singapore and Hong Kong, but it offers multi-currency business accounts to companies globally.

The platform offers services such as multi-currency accounts, virtual corporate cards, expense tracking, and integration with accounting software. A standout feature is cashback on SaaS and marketing purchases, making it an attractive card option for marketers.

• Open local and international account numbers to receive payments in multiple currencies. Available currencies depend on your business location, for example, HKD, USD, and CNY in Hong Kong; SGD, USD, GBP, and EUR in Singapore.
• Send and receive international payments in over 30 currencies across 130+ countries.
• Issue unlimited virtual corporate cards and request physical cards
• Use multi-currency cards and enjoy 1% cashback on eligible SaaS and digital marketing expenses
• Integrate cards with Apple Pay and Google Wallet for digital payments
• Gain control over spending with built-in expense management tools
• Sync with accounting platforms like Xero, QuickBooks, Oracle NetSuite, Deskera, and SAP

Suppose you're looking for something beyond a fintech solution and want more than just a money transfer service, in other words, a banking experience with digital operations. In that case, ZA Bank may be a good option to consider. ZA Bank is the first virtual bank in Hong Kong, offering business bank accounts that support 3 currencies: HKD, CNY, and USD. Clients can receive money, deposit funds, earn interest, and initiate bank transfers in these 3 currencies 24/7.

In addition, ZA Bank provides foreign exchange services, payroll services, and business loans to support business growth. As a member of the Deposit Protection Scheme (DPS), deposits are protected up to HKD 800,000.

• Hold and earn interest in HKD, CNY, and USD
• Time deposit accounts in HKD, CNY and USD
• Send and receive transfers within Hong Kong via FPS and CHATS 
• Send and receive internationally in HKD, CNY and USD.
• Access business loans for small businesses operating for at least 1 year
• Set up and send payroll with batch payment features
• Manage finances in a digital banking platform designed for Hong Kong businesses

By now, you may have a clearer picture of which payment service provider aligns best with your business needs. You might need more than one solution to meet all your requirements.

Weigh the benefits and drawbacks of each option based on your business priorities to ensure your choice drives your business forward.