Airwallex vs Currenxie: Which Is Better in 2025?

If your business manages multiple currencies, you may have heard of platforms like Airwallex and Currenxie that simplify international payments and manage multi-currency accounts. With both options available, it can be hard to tell exactly which option is a better fit for your needs.

This article builds on our in-depth reviews of Airwallex and Currenxie. We will provide a side-by-side comparison of their features, fees, and customer support to help you pick the right platform to support your business goals in 2025.

At the end of the article, we'll also provide a brief overview of how Statrys could be another alternative to Airwallex and Currenxie.

Features Comparison Analysis

Airwallex allows you to hold 21 currencies in a business account and offers local accounts in 13 countries, including Hong Kong, the US, and Europe. These accounts enable businesses to receive payments as if they had a local bank account, reducing fees and delays.

The platform also enables businesses to make local payments in 49 currencies. It also offers advanced features like forward contracts to lock in exchange rates. Integration with accounting platforms such as Xero and QuickBooks, alongside APIs and a no-code payment gateway, makes Airwallex versatile for global operations.*

Currenxie, on the other hand, focuses on ecommerce businesses and simpler payment needs. It supports 15 currencies and local accounts in 8 markets, including Hong Kong, the UK, and the US. These accounts simplify receiving payments in key regions. Currenxie also integrates seamlessly with ecommerce platforms like JD.com and Mercado Libre and works with payment gateways such as Stripe and Adyen, making it ideal for online sellers. However, it lacks the advanced tools and wider currency support that Airwallex provides.*

Statrys’ Verdict on Features: Airwallex

If you are a business in Hong Kong seeking to manage cross-border payments and finances while facilitating global growth, Airwallex is a suitable option. It offers a comprehensive local payment network and supports multiple local currency accounts, making it very versatile. However, whether it’s the right fit depends on your specific business needs.

Fees Comparison Analysis

Airwallex and Currenxie both offer free account opening and no monthly fees, but their pricing structures cater to different business needs.

Airwallex provides free local payments, making it a good option for frequent local transactions. However, the 0.3% fee for receiving payments from non-linked accounts can add up for high-value transactions. SWIFT transfers cost HKD 120–200, and its FX fees start at 0.2%, offering competitive rates for businesses managing frequent currency exchanges.*

Currenxie charges USD 0.75 to receive and USD 3 to send local payments, making it more predictable and cost-effective for smaller, frequent transactions. The flat fee for SWIFT transfers (USD 8) is more predictable and cost-effective for large payments. With FX fees as low as 0.1% for USD to HKD conversions, Currenxie is ideal for businesses prioritising low costs for specific currency pairs.*

Statrys’ Verdict on Fees: Currenxie

While Airwallex is a good choice for businesses needing free and efficient local payments to pay their global suppliers, Currenxie is better suited for high-value international payments or frequent USD to HKD transactions. Its flat fees and competitive FX rates make Currenxie a cost-effective solution for many businesses operating in Hong Kong.

Cards Comparison Analysis

Airwallex offers virtual and physical Visa cards in 10 currencies, making it easier for businesses to save on FX fees by matching spending with the appropriate currency. Cards come with high transaction limits (USD 50,000) and customisable spending controls via the app. Airwallex also supports Apple and Google Pay, enabling contactless payments. Businesses can issue multiple cards to employees, helping streamline team expense management. However, real-time expense tracking requires an extra fee of HKD 40 per month, and the cards don’t support ATM withdrawals.*

Currenxie provides HKD-only Visa debit cards with both virtual and physical options. While limited to one card per account, these cards offer 1% unlimited cashback on all purchases, which is ideal for businesses focused on HKD spending. Currenxie also supports ATM withdrawals, with a fee of 2% or a minimum of HKD 30 for local withdrawals and HKD 50 for international ones. Additional perks include discounts with partners like Shopify and Google Workspace, adding extra value for ecommerce businesses. However, the lack of multi-currency support and employee-specific cards limits its appeal for global operations.*

Statrys’ Verdict on Cards: Airwallex

While Currenxie offers cashback and ATM access, it is more limited and best suited for businesses focused on HKD-based spending. For businesses aiming for flexibility and scalability, Airwallex is a suitable choice.

*Currenxie states on the website that the Global Account holder can benefit from personal client support. However, we were unable to locate detailed information regarding the specific services offered.

Customer Support Comparison Analysis

Airwallex provides multiple communication channels, including a help centre in English and Simplified Chinese, a contact form, and phone support.* Phone support is available for Canada, the US, and China, with specific working hours for each region.* While phone support is region-specific, the variety of channels provides businesses with accessible and reliable support.

Currenxie provides an English-only help centre, a contact form, and a chatbot for support. The chatbot primarily directs users to relevant articles in the help centre.* If an issue isn’t resolved through the chatbot, users must leave a message for customer service to respond later.* While this setup works for basic queries, it may not be ideal for businesses requiring immediate assistance, especially in urgent scenarios.

Statrys’ Verdict on Customer Support: Airwallex

Airwallex is the stronger choice for customer support, offering multilingual options, multiple communication channels, and regional phone support. These features make it better suited for businesses that value accessible and reliable service. Currenxie, while sufficient for basic queries, may fall short for businesses needing immediate or comprehensive support.

If you still feel Airwallex and Currenxie don’t align with your business needs, consider Statrys.

Statrys is a Money Service Operator in Hong Kong that offers global payment solutions tailored for businesses registered in Hong Kong, Singapore, and the British Virgin Islands (BVI). With Statrys, you can hold funds in 11 major currencies and pay suppliers in 12 local currencies, including USD, EUR, GBP, AUD, and SGD.

To streamline team expenses, Statrys offers prepaid Mastercard® cards. Each cardholder can obtain 1 physical card and up to 4 virtual cards. These cards include built-in expense management tools, enabling real-time transaction tracking, spending limit customisation, and card freezing when necessary.

Statrys also supports forward contracts to protect against currency fluctuations. FX rates are based on mid-market rates with a small markup, helping you manage costs and maintain competitiveness.

For customer support, Statrys provides multilingual assistance via various channels, including WhatsApp and WeChat. Additionally, a dedicated account manager ensures your queries are handled quickly and efficiently.

Below are summary of Statrys’ services.