Top 5 Airwallex Alternatives in 2025 & Who Should Use Them

Founded in 2015, Airwallex is a licensed payment service provider that enables businesses to manage cross-border transactions, multi-currency accounts, corporate cards, and more from a single platform.

Still, is Airwallex the right fit for your business?

Having efficient and reliable payment processing is vital for businesses to succeed. This is why comparing options to find the best solution is essential. So, we prepared a list of the top 5 alternatives to Airwallex in 2025.

In this article, we will examine their key features and fees to ensure you pick the best option for your needs.

Without further ado, let’s take a look at Airwallex alternatives. 

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, FX tools and more.

Helping over 5,000 companies worldwide, Statrys delivers reliable and cost-effective international payment services tailored to modern business needs.

Key Services Offered by Statrys

• Multi-currency Business Account: A virtual business account in Hong Kong that can receive and hold money in 11 different currencies: HKD, CNY, USD, AUD, EUR, GBP, SGF, JPY, CHF, NZD, and CAD.
• Online International Payments: Send international transfers via the SWIFT network in 19 currencies, including THB, VND, INR, IDR, PHP, TRY, and KRW, with no minimum or maximum transfer limits. You can also track your payments in real-time.
• Local Payout: Save more on SWIFT transfers with local payments in 12 currencies: USD, AUD, GBP, EUR, THB, INR, VND, TRY, IDR, PHP, SGD, and KRW.
• Virtual and Physical Payment Cards: Issue 1 physical and up to 4 virtual prepaid Mastercard® cards per user. Cards can be used for business spending worldwide, including cash withdrawals at ATMs. View, track, cancel, and freeze transactions from your dashboard anytime.
• FX Services: Access real-time exchange rates based on mid-market prices for each transaction. You can also lock the rate with forward exchange contracts for your future transfers (12 months in advance)
• Xero Integration: Automate bookkeeping and transaction labelling by connecting Statrys with Xero.
• Invoicing Software: Create, manage, and send invoices directly from the platform.
• Make-approver: Set up transfers for later approval based on user role capabilities and have complete control of payment processes.
• A Dedicated Account Manager: Get personalised support for your queries and account management through channels like WhatsApp, WeChat, and phone.

Statrys Fees

*Account opening fee may apply for companies not registered in Hong Kong or Singapore, companies with complex shareholding structures, and companies with high-risk business profiles.

**Outgoing payments in excess of HKD 500,000 (or equivalent): HKD 75

Statrys Could Be Best For

✅ Businesses incorporated in Hong Kong, Singapore, and the BVI that are looking for a primary or secondary business account.

✅Companies that frequently exchange foreign currencies and require tools like forward contracts to manage FX risk.

✅ Business owners who prefer fast and responsive human customer support and dedicated account managers to support them in case any questions or issues arise.

Currenxie is another Hong Kong-based financial services provider with a Money Service Operator license. Currenxie allows businesses to open local currency accounts in 8 countries, enabling them to get paid like a local.

In addition, Currenxie accounts can integrate with popular ecommerce platforms such as Amazon, Shopify, and Etsy, as well as payment gateway providers like Stripe, Adyen, and Paypal to streamline payment processing and checkout experience. Therefore, many ecommerce businesses choose Currenxie as their payment solution. [1]

Key Services Offered by Currenxie

• Multi-Currency Wallets: Can hold 15 currencies: USD, EUR, HKD, GBP, JPY, CAD, AUD, NZD, RMB (CNH), SGD, CHF, DKK, NOK, SEK, and IDR in one place.
• Local Currency Accounts: Opens local accounts with unique account details in the USA, UK, EU, Hong Kong, Australia, Japan, Canada and Mexico.
• Debit Card: A virtual and physical Visa debit card is available to account holders with Hong Kong companies. Compatible with Google Pay, the card offers 1% cashback on eligible transactions.
• Xero Integration: Integrate your Currenxie account with Xero to manage your accounting.
• Ecommerce Compatability: Connect with various ecommerce platforms and payment gateways, including Shopify, eBay, Etsy, Stripe, and Alipay, to simplify your sales collection process.

Currenxie Fees

Currenxie Could Be Best For

✅ Ecommerce businesses using platforms like Amazon, Shopify, PayPal, and Stripe looking to simplify international transactions and reduce costs.

✅ Businesses operating in multiple markets or expanding globally that require local account details to collect payments more easily.

✅ Companies with international clients or suppliers looking for cost-effective global payment solutions to keep more of their profits.

ZA Bank is the first virtual bank in Hong Kong, licensed by the Hong Kong Monetary Authority (HKMA). ZA Bank offers 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. [2]

Key Services Offered by ZA Bank

• Business Bank Account: You can hold, receive, and send money, and you can earn interest in HKD, CNY, and USD. 
• Online Bank Transfers: Send and receive bank transfers within Hong Kong (via FPS and CHATS system) and abroad (via SWIFT).
• Currency Exchanges:  Make spot trades in HKD, USD, and CNY without extra charges or handling fees.
• Business Loans: Provide up to 90% guarantee revolving or unsecured revolving loan services with no arrangement fee.
• Payroll Services: Set up and send payroll up to 1,000 payments in one go.

ZA Bank Fees

ZA Bank Could Be Best For

✅ Companies incorporated in Hong Kong because this is the only jurisdiction that is eligible to open ZA Bank business accounts.

✅ Small businesses in Hong Kong that need basic multi-currency operations (HKD, CNY, USD).

✅ Business owners who are comfortable with digital-only banking services, as there are no physical branches for in-person assistance.

Wise is a licensed and regulated payment platform that offers business accounts to businesses of all sizes to streamline financial operations. With Wise, businesses can receive payments like a local from over 30 countries and send funds to over 70 countries.

In addition, Wise offers business-friendly solutions such as batch payments, user-level permissions, and API integrations to automate your financial processes, making international transactions more efficient. [3]

H3: Key Services Offered by Wise

• International Money Transfers: Make international payments at mid-market rates to 70+ countries.
• Multi-Currency Business Account: Hold money in over 40 currencies. Also, businesses can open 9+ local currency accounts, including AUD, CAD, EUR, GBP, SGD, USD, and more.
• Foreign Currency Account: Set up local account details in 9+ currencies, including GBP, EUR, USD, SGD, and CAD, to receive money as if you had domestic bank accounts.
• Debit Card: Access your business accounts with Wise debit cards to spend money abroad, make online purchases, and earn 0.5% from all eligible transactions, all with no foreign transaction fees.
• Batch Payments: Uploads a single CSV file to send 1,000 payouts at a time.
• Currency Exchanges: Offers currency exchange for 40+ currencies at competitive rates based on the mid-market rate.
• Wise APIs: Integrates Wise account into different platforms or applications, such as Shopify and Quickbooks.

Wise Fees

Wise Could Be Best For

✅ Businesses that often transact money in a wider range of foreign currencies. With Wise, they can save significant time and cost.

✅ Freelancers and digital nomads. The Wise debit card allows users to easily pay money abroad in multiple currencies with no foreign transaction fees.

✅ Businesses that looking for foreign currency accounts to receive money directly through local payment systems.

Revolut is a UK-based neobank that offers various banking services tailored to businesses. These services include the capability to receive and send local and international payments in multiple currencies, make foreign currency exchanges, and connect payment systems through APIs.

Revolut operates as a licensed bank in specific regions like the EEA through a license in Lithuania and has recently obtained a restricted UK banking license. With Revolut’s business accounts, over 500,000 businesses can receive, hold, and exchange money in multiple currencies at rates cheaper than traditional banks. [4]

H3: Key Services Offered by Revolut

• Multi-Currency Business Account: Hold money in 30 different currencies in one single account.
• Global Transfers: Make international transfers with a competitive exchange rate in 30 currencies.
• Corporate Cards: Offers virtual and physical Visa and Mastercard® to make purchases online or in-store and withdraw cash at ATMs around the world.
• Payment Collections: Collect sales through various payment methods, both online and in-person, including QR codes, payment links, POS, mobile payments and card payments.
• FX Services: Secure fixed and flexible date FX forward contracts up to 12 months in advance. However, this service is only available to private limited companies and public limited companies in the UK and EEA.
• APIs: Integrate Revolut with different platforms and applications such as payment gateways, POS, and accounting software.

Revolut Fees

Revolut Could Be Best For

✅ Global businesses seeking solutions to manage funds in 30 currencies and make international payments with competitive exchange rates.

✅Companies in the EEA that want a licensed banking provider with additional security through deposit protection.

✅ Entrepreneurs and enterprises looking to automate payments, integrate API-driven solutions, and simplify payment collection.

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.