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.

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
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.

Tip: Explore more about Airwallex in our detailed review.
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.

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
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.







