Airwallex vs Currenxie (Hong Kong) - Which Is Better in 2025?

2025-06-26

5 minute read

Two cards comparing Airwallex and Currenxie

If you’re here looking for a comparison between Airwallex vs Currenxie, you’re really asking one thing: Which one is better for my situation?

Maybe you need a reliable way to pay overseas suppliers. Or you’re tired of losing money to FX fees. The key difference? Airwallex is designed for scale across currencies and regions, while Currenxie fits smaller sellers who just want a lean setup.

We’ll walk through the differences side by side so you can pick by yourself which one is the right fit for your business. And if neither seems quite right, we’ll share another option worth considering by the end of the article.

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Disclaimer: The information in this article is accurate as of 23 September 2025. Please note that these details are subject to change. We recommend checking with Airwallex (Hong Kong) and Currenxie for the latest information.

At a Glance

Short on time? Here’s the quick take on which one might suit you best.

Choose Airwallex If:

  • You run a business that’s scaling across multiple countries.
  • You need debit cards to manage team spending and expenses.
  • You want extra tools to manage payments automatically.

Pros of Airwallex

Supports 20+ currencies with local account details.

✅ Cards for multiple users in different currencies.

✅ Free local transfers to 100+ countries

Cons of Airwallex

❌0.3% fee on incoming payments from non-linked accounts

❌No ATM card access

Choose Currenxie If:

  • You’re an ecommerce seller collecting through Amazon, Shopify, or other marketplaces.
  • You want flat-fee pricing to make costs easier to predict.
  • You operate primarily in HKD with occasional international needs.

Pros of Currenxie

Supports 15+ currencies with local account details.

✅ Connect with Amazon, Rakuten, JD.com, Shopify, BlueSnap, Alipay and more.

✅ Card supports ATM withdrawals

Cons of Currenxie

❌Only one payment card per account, and HKD-based

❌1.95% foreign transaction fee

Looking for Another Option?

Statrys offers a multi-currency account, real support when you need it, and fees that won’t surprise you.

Screenshot of the Statrys payment platform's business account dashboard.

Business Account Features Comparison

Features Airwallex Hong Kong Currenxie
Supported Currencies in the Account 20+ currencies* 15 currencies*
Local Currency Accounts* ✔️ ✔️
Send Local Payments To 100+ countries To 50+ countries
International Payments (SWIFT) Supports 180+ countries Supports 120+ countries
Integration Xero, Sage, QuickBooks, NetSuite, Amazon, Lazada, Shopify, and more Xero, Etsy, JD.com, Mercado Libre, Adyen, Stripe, Klarna, Alipay, and more
Other Services API solution, payment gateway, checkout page, payment plugins, payment links, pay bill and yield Platform API, shared team access

*More details

Airwallex Hong Kong’s broader currency and country coverage, along with integrations into accounting software, make it a stronger option if you are managing payments across several markets and want a platform that can scale with you.

Currenxie is narrower in scope but more specialised. Its strength lies in how well it connects with ecommerce platforms, not only the big names but also regional players such as JD.com, Mercado Libre, and Rakuten. If your business relies on these marketplaces, Currenxie can save you time and reduce friction when getting paid.

Business Account Fees Comparison

Fees Airwallex Hong Kong Currenxie
Account Opening Fee Free Free
Account Monthly Fee Free Free
Receive Local Payments 0.3% on each payment received from non-linked bank accounts USD 0.75 per transfer (~HKD 5.8)
Send Local Payments Free USD 3 per transfer (~HKD 23)
Receive International Payments (SWIFT) 0.3% on each payment received from non-linked bank accounts USD 8 per transfer (~HKD 62)
Send International Payments (SWIFT) HKD 120–200 USD 8 per transfer (~HKD 62)
FX Rate Based on the interbank rate Based on the mid-market rate
FX Fee From 0.2% Between USD and HKD: 0.10%
Other currencies: 0.35% – 0.60%

More detail

In short, Airwallex is the stronger choice if your business makes a lot of local payments or works with less common currencies where competitive FX matters. Currenxie makes more sense if most of your business is about receiving payments from customers and you prefer knowing exactly what each transfer will cost.

Cards Features and Fees Comparison

Card Features Airwallex Hong Kong Currenxie
Card Type Company card: Virtual Visa debit card

Employee card: Physical and virtual Visa debit card
Virtual and physical Visa debit cards
Card Base Currency 11 currencies, including AUD, SGD, HKD, GBP, USD, EUR, JPY, CAD, NZD, CHF, and ILS. HKD
Number of Cards Not specified 1 card per account
Payment Limit USD 50,000 per transaction or equivalent (negotiable) Determined by the HKD balance in the account.

Limits are customisable within the app
ATM Withdrawal ✔️
ATM Withdrawal Limit N/A Determined by the HKD balance in the account
ATM Withdrawal Fee N/A Local: 2% or HKD 30 minimum

International: 2% or HKD 50 minimum
Foreign Transaction Fee 0% 1.95%
Monthly Card Fee HKD 40 / cardholder / month Free
Apple and Google Pay ✔️ ✔️

Airwallex works best if your team needs flexibility across currencies, while Currenxie is more suited to a business that operates mainly in Hong Kong and wants the option of cash withdrawals.

Account Eligibility and Setup Comparison

Criteria Airwallex Hong Kong Currenxie
Business Type Eligibility All business types Most registered businesses, except for sole traders
Country Eligibility Available in 50+ countries, including Hong Kong, China, Singapore, the US, the UK, and Australia Most countries, except the US and sanctioned countries
Registration Channel 100% online application via website 100% online application via website
Approval Time Within 3 business days Within 5 business days

Customer Support Comparison

Support Type Airwallex Hong Kong Currenxie
Dedicated Account Manager Currenxie said you can benefit from personal client support, but we cannot find more details
Communication Channels Help centre, contact form, email, chatbot, regional phone lines (China only) Help Centre (English), Contact Form, Chatbot
Working Hours 9:00–18:00 CST (for China-based customers) We cannot find information

Airwallex and Currenxie both use online help centres, contact forms, and chatbots. This works well for everyday questions, but it may fall short if you need urgent help.

User Reviews & Ratings

Rating & Reviews Airwallex Hong Kong Currenxie
Trustpilot Score 3.7/5 (2,088 reviews) 3.4/5 (173 reviews)
Common Praise Easy to use, intuitive interface, wide feature set Reliable for FX conversions and wire transfers, user-friendly
Common Complaints Account freezes, rejected applications, and hard-to-reach support Slow support, delayed fund access

Reviews suggest that both platforms work well for everyday use. Most complaints relate to compliance checks, such as account freezes or delayed access to funds. These issues are common across the industry, as providers must follow strict regulations.

Alternative Solution: Statrys

Founded in 2019, Statrys is a licensed payment service provider, offering multi-currency business accounts to companies registered in Hong Kong, Singapore, and the British Virgin Islands (BVI).

With a Statrys business account, you can:

  • Manage and hold funds in 11 major currencies
  • Send local payments in 12 currencies
  • Access competitive FX fees starting from 0.1%
  • Get personalised support from your dedicated account manager

Trusted by over 5000 SMEs worldwide, Statrys helps businesses simplify global payments and scale with ease.

A summary of Statrys Business Account's top features

Open a Hong Kong Business Account

Access 11 major currencies, real support, and fees that won't surprise you. Trusted by 5,000+ SMEs globally.

Screenshot of the Statrys payment platform's business account dashboard.

FAQs

Which is better, Airwallex or Currenxie?

It depends on your business needs. Currenxie may be preferable for businesses prioritising cost-effective solutions for USD-HKD transactions and seeking clear fee structures. Alternatively, Airwallex might be better suited for businesses requiring a broader currency range for their global payment.

What’s the difference between Airwallex and Currenxie?

What’s the difference between Airwallex Currenxie business cards?

Disclaimer

More info

Statrys competes directly with Airwallex and Currenxie in the payment industry, but we are committed to providing an unbiased and thorough review to help you make an informed choice.

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