The short version
Read off airwallex.com/us/pricing on 2026-11-02. Airwallex sells a nearly free subscription and earns on the movement of money, which is why the plan table is not where the cost lives.
| Plan | Published subscription | What it includes |
|---|---|---|
| Explore | $0 per user/month | Business accounts, multiple accounts per entity, collect and hold 20+ currencies, free batch transfers to 120+ countries, interbank FX access, corporate cards with zero international fees, expense management, bill pay |
| Grow | $12 per user/month + a platform fee based on team size | Purchase orders and requests, late-submission policies with automatic card freezing, multi-conditional approvals, advanced controls, higher Yield rate |
| Platform API / Embedded Finance | Custom pricing | The page routes these use cases to sales rather than a rate card |
The per-transaction prices that decide the bill
These sit in one fee table on the same page and do not change by plan:
| Charge | Published rate |
|---|---|
| FX conversion | 0.5% above interbank for major currencies, 1% for all other currencies |
| SWIFT transfer (SHA and OUR) | $15-$25 per transfer, 200+ countries |
| Domestic transfers in USD and CAD | Free |
| Local transfers | Free to 120+ countries |
| Card acceptance, domestic cards | 2.80% + $0.30 |
| Card acceptance, international cards | 4.30% + $0.30 |
| Yield on USD balances | 3.45% / 3.60% / 3.72% depending on tier |
The asymmetry is obvious once written down: the subscription is $12, and one $50,000 cross-currency payment at the published 0.5% spread costs $250 — more than a year of Grow seat fees on its own. Any comparison of payment platforms that stops at plan prices is measuring the wrong line.
Where the platform fee hides
Grow is the only tier whose price contains an unpublished component: $12 per user/month plus a platform fee based on team size. No rate card, no band, no cap is given for that fee, so the $12 is a floor in the same way Ramp’s $15 is a floor. Budget a quote, not a published number.
Who the free tier actually fits
Explore is not a trial - it is a working account with a card programme, 20+ currencies, batch transfers to 120+ countries and free domestic wires in USD and CAD. For a company that receives USD and pays a handful of overseas contractors, the $0 tier covers the whole job and the only cost is the published 0.5% spread on converted volume plus $15-$25 whenever a SWIFT transfer goes out.
Grow starts to matter when spending controls become a compliance question rather than a convenience: purchase orders, approval chains that depend on conditions, late-submission policies that freeze a card automatically. Those are the features listed in the Grow column, and they are process controls rather than payment rails - which is why the cheaper tier still moves money identically. Before upgrading, count how many approvals a month actually need to be automatic; a team that approves by email gets nothing from $12 a seat.
What the page does not say
- No platform-fee schedule - based on team size, with no bands printed.
- No FX spread floor or volume discount published for large notional amounts.
- No overage rule for card or account limits, since corporate cards are described as unlimited.
FAQ
How much is Airwallex per month? Explore is $0 per user per month; Grow is $12 per user per month plus a platform fee based on team size, as captured on 2026-11-02.
What does Airwallex charge for currency conversion? 0.5% above interbank rates for major currencies and 1% for all other currencies.
What does a SWIFT transfer cost? $15 to $25 per transfer for SHA and OUR charges, to 200+ countries.
Is the subscription the main cost? No. The FX spread and card acceptance rates are per-transaction, so one large conversion can exceed the annual seat cost.