Top 10 Alternatives to Airwallex

In this article, we will explore alternatives to Airwallex, a global payments and financial platform trusted by over 100,000 companies worldwide. Airwallex simplifies global payments and financial operations, offering solutions like business accounts, spend management, and embedded finance APIs. Let's dive into what Airwallex does and then examine some of its top competitors.

Reviews

Users have shared a mix of positive and negative feedback about Airwallex. Many appreciate the platform's efficiency and cost-saving features, particularly for international transactions. Customers have found the streamlined finance processes and the ability to manage global SaaS subscriptions in one place to be highly beneficial. However, some users have expressed frustration with the scalability of previous providers, implying that Airwallex has addressed these issues effectively. On the downside, a few users have mentioned occasional difficulties with customer support and the complexity of certain features.

• "Airwallex has allowed us to get things done at ten times the speed it used to happen." - John D.
• "Our previous provider could not scale the way we needed it to." - Sarah K.

For more detailed reviews, visit Airwallex Reviews.

Best alternatives to Airwallex

1. OneSafe

OneSafe is a financial technology company offering a comprehensive financial platform for startups and businesses that operate in both fiat and cryptocurrencies. It provides services such as global payments, corporate cards, multi-currency support, and seamless payment options, all through a user-friendly interface.

• Simple onboarding, global payments in various currencies, user-friendly corporate cards with spend limits, multi-currency support, ability to open and manage global accounts, versatile payment options including wire, ACH, and foreign exchange, security measures including encryption and Multi-Factor Authentication (MFA), near-instantaneous currency conversions with competitive rates.
• Account Opening: Free, Minimum Balance: $0, Monthly Fees: None, Corporate Cards: Included, Invoices: Included, Sending + Receiving US Domestic Payments: 0.1% fee, Sending + Receiving Sepa Payments: 0.2% fee, International Wires: 0.2% fee + $25 Swift, Fedwire: $20, FX fee on Corporate cards: 1%, USDT Transactions: 0.1% fee, Fiat <-> Crypto Conversion: Included.
• Users rave about OneSafe's exceptional customer support and its ability to simplify complex financial tasks. Testimonials highlight its game-changing impact on businesses, especially in the Web3 space, and its seamless USD to USDC conversions on Polygon.

2. Kontist

Kontist offers a business banking solution specifically designed for self-employed individuals in Germany. The service includes a mobile and web banking app, automated bookkeeping, and business tax return functionalities.

• Unique Features: All-in-One App, Automatic Tax Calculation, AI-Supported Bookkeeping, Real-Time Bank Transfers, Mobile & Web Access, Visa Business Debit Card, Apple Pay & Google Pay, Invoicing Tool, Easy Receipt Management, Advance VAT Returns, Tax Return Preparation.
• Pricing:
  • Free Plan: €0/month plus VAT, includes a free virtual Visa Debit card, mobile & web banking app, 10 free transactions per month, and the ability to create 2 invoices per month.
  • Premium Plan: €9/month plus VAT, includes all Free plan features plus a physical Visa Debit card, automatic tax calculations, unlimited invoices, and integration with external bookkeeping tools.
  • Bookkeeping Plan: €29/month plus VAT, includes all Premium plan features plus unlimited transactions, advance VAT returns, business evaluation, and AI-supported transaction categorization.
• Testimonials:
  • Positive: "After over 2 years of service, Kontist has constantly provided the best support... Their tax/administrative services are also indispensable." - Luis
  • Negative: "The tax service is extremely overpriced and totally not recommended! I made the mistake of using it for over 1 year as a new business owner and non-German speaker, and their service was minimal... I won't make the mistake of paying for anything from them." - Tanya
  For more detailed reviews, visit Kontist Reviews.

3. Vivid Business

Vivid Business offers a comprehensive financial platform for companies and freelancers, featuring fast registration, German IBANs, instant transfers, and a suite of financial tools. The platform provides high-interest rates on positive balances, cashback on purchases, and seamless integration with accounting software. It emphasizes security and compliance with European financial regulations.

• Unique features: Free account with up to 30 DE IBANs, integration with accounting software like DATEV and sevDesk, 5% p.a. interest on positive balance for the first 2 months, cashback on every purchase, SWIFT and SEPA instant transfers, funds invested in AAA/Aaa rated Money Market Funds, compliance with PCI DSS, 3D Secure, and GDPR.
• Pricing:
  • Free Start: €0/month, 5% interest for the first 2 months, then 1%, up to 1% cashback, free virtual and plastic cards, €100,000 card spending limit, 1 team member, 1 account, 5 free outgoing SEPA transfers/month, €5 fee for outgoing international transfers (SHA), 2% ATM withdrawal fee.
  • Basic: €7/month excl. VAT, 5% interest for the first 2 months, then 2%, up to 1% cashback, free virtual and plastic cards, €100,000 card spending limit, 3 team members, 3 accounts, 100 free outgoing SEPA transfers/month, €5 fee for outgoing international transfers (SHA), 1% ATM withdrawal fee.
  • Pro: €19/month excl. VAT, 5% interest for the first 2 months, then 3%, up to 2% cashback, free virtual and plastic cards, €100,000 card spending limit, 10 team members, 10 accounts, 250 free outgoing SEPA transfers/month, €5 fee for outgoing international transfers (SHA), 1% ATM withdrawal fee.
  • Enterprise: €79/month excl. VAT, 5% interest for the first 2 months, then 3.5%, up to 4% cashback, free virtual and plastic cards, €100,000 card spending limit, 30 team members, 30 accounts, 1000 free outgoing SEPA transfers/month, €5 fee for outgoing international transfers (SHA), 1% ATM withdrawal fee.
  • Enterprise+: €249/month excl. VAT, 5% interest for the first 2 months, then 3.5%, up to 5% cashback, free virtual and plastic cards, €200,000 card spending limit, 50 team members, 50 accounts, 1000 free outgoing SEPA transfers/month, €5 fee for outgoing international transfers (SHA), 1% ATM withdrawal fee.
• Testimonials: Users generally appreciate the convenience and features of Vivid Business. One user mentioned, "As a newcomer in Germany, I received a personal recommendation to open my account at VIVID. It’s been the best decision ever!" On the downside, another user complained, "Vivid has terminated my account since October and they’re holding 6,700 Euros of my money!" For more detailed reviews, visit Vivid Money Reviews.

4. Multipass

MultiPass offers a business account service that facilitates global payments. Key features include a dedicated IBAN, payment card, competitive exchange rates for over 70 currencies, and a dedicated personal manager. The service aims to simplify business banking and enhance financial transactions for businesses operating internationally.

• Unique Features: Dedicated IBAN and payment card, competitive exchange rates for over 70 currencies, personal account manager, global reach with transactions in over 200 countries, local payments in the UK, Europe, and the USA, bespoke solutions like Virtual IBAN, Currency Exchange, Mass Payments, API integration, and Business Cards, regulatory compliance with FCA authorization, client testimonials highlighting efficiency and support.
• Pricing:
  • Onboarding Fees: Account opening and due diligence from £500, priority onboarding £500, additional user £100, annual due diligence from £100.
  • Maintenance Fees: Monthly maintenance fee from £100, minimum balance from 3 monthly fees, failure to meet minimum balance £100, failure to provide requested documents £500, account closure fee from 3 monthly fees.
  • Payment Fees: Local EU (SEPA / SEPA Instant) incoming €2, outgoing from 0.10% (min €10); Local UK (Faster Payments) incoming free, outgoing £1; Local UK (BACS / CHAPS) £20 for both incoming and outgoing; Local US (ACH) from 0.15% (min $10) for both incoming and outgoing; Local US (Fedwire) from 0.10% (min $25) for both incoming and outgoing; International (SWIFT) incoming £20 / €25 / $30, outgoing £40 / €50 / $60; Between MultiPass users free for both incoming and outgoing.
  • Card Fees: Plastic cards initial issuance & replacement £10 / €12, maintenance fee £10 / €12, in-store and online payments free, FX markup 1.5%, ATM withdrawal 1.5%; Virtual cards initial issuance & replacement free, maintenance fee £10 / €12, online payments free, FX markup 1.5%.
• Testimonials: Users generally appreciate the support and efficiency of MultiPass. One user, Alexey Umilin, stated, "I would strongly recommend the Multipass solution for any business. I would especially like to commend their exceptional support team. In particular, I am grateful to Irina Parsina for her invaluable assistance. Her help has been truly outstanding and cannot be overstated." On the other hand, Anders from Entreprenor Aps mentioned, "Don't use Multipass for transfers. They're not reliable or helpful. Find someone else you can trust. Save yourself the hassle and seek out more dependable partners." For more detailed reviews, visit Trustpilot.

5. Brex

Brex is a financial technology company offering a comprehensive suite of financial services including modern corporate cards, expense management, business banking, bill pay, accounting, and travel management. Their platform is designed to help businesses control spend, automate busywork, and maximize financial efficiency using AI-powered tools.

• Unique Features: AI-powered automation for approvals, expense reports, invoice entry, and payments, global reach in over 120 countries, high yield on business accounts, real-time tracking and controls, integrated financial services combining corporate cards, banking, bill pay, and accounting.
• Pricing:
  • Essentials Plan: $0 per user per month, includes global card acceptance, AI-powered custom rules, up to two entities, accounting integrations, local currency wires, travel booking, real-time reporting, Brex API access, bill pay, and reimbursements.
  • Premium Plan: $12 per user per month, includes all Essentials features plus multiple customizable expense policies, dynamic expense review chains, AI-powered compliance audit detection, advanced approvals, multi-entity support, customizable ERP and HRIS integrations, VAT documentation, group travel, advanced travel rules, and live budgets.
  • Enterprise Plan: Custom pricing, includes all Premium features plus unlimited US or global entities, local card issuance, collections, reimbursements, policies, local language support, named account manager, admin center, and fully customizable implementation services.
  • Smart Card: Custom pricing, includes global cards accepted worldwide, local-currency cards in 50+ countries, merchant card controls, and custom approvals.
• Testimonials: Users generally appreciate the ease of use and efficiency of Brex. One user mentioned, "Brex makes expense reporting so simple. The text feature on your phone to record receipts makes it almost impossible to forget to record expenses." On the downside, another user noted, "Honestly, I don't love the travel assistant booking software. It's OK, but a salesforce can easily rack up $20 fees if they don't book travel correctly." For more detailed reviews, visit G2.

6. Propulse by CA

Propulse by CA is a 100% online professional account service provided by Crédit Agricole. It offers a comprehensive solution for entrepreneurs, including a professional payment account, business support services, and various tools and resources to assist in every stage of business creation and management.

• Unique Features: Fully online professional payment account, quick setup in less than 5 minutes, starting at 8 € HT/month with no commitment and the first month free, adjustable payment limits up to 40,000 €/month, integrated tools for creating invoices and managing expenses, automatic income declaration to Urssaf, free online business plan tool with automatic financial calculations, over 1500 articles and guides to support entrepreneurs.
• Pricing: The service starts at 8 € HT/month with no commitment and the first month free. It includes a Visa Business card, tools for creating and managing invoices and quotes, and automatic income declaration to Urssaf. Additional services and higher payment limits are available at higher pricing tiers.
• Testimonials: Users generally appreciate the ease of use and helpful features of Propulse by CA. One user mentioned, "Change la vie" (Life-changing). On the downside, another user noted, "Frankly great application but it's a shame that instant transfers are not available and sending invoices or quotes from the application." For more detailed reviews, visit Trustpilot.

7. VIALET

VIALET offers a Business Account service that simplifies money management for businesses. The account can be set up online in minutes and is operational within 3 business days, providing seamless banking and payment solutions.

• Unique Features: Online onboarding without branch visits or physical documents, remote ID verification and electronic signing, access to payment, money transfer, and account services across Europe, set and adjust monthly and annual spending limits, view entire transaction history in one place, real-time alerts, detailed transaction history and downloadable statements, PSD2 compliant, personalized support from account managers, tailored services for startups and global businesses.
• Pricing: VIALET offers transparent pricing, ensuring clear costs to free up resources for business success. Specific pricing details or plans are not provided on the webpage; users are encouraged to sign up or contact VIALET directly for detailed information.
• Testimonials: Users generally appreciate the professionalism and efficiency of VIALET. One user mentioned, "Vialet is everything that it should be. They are professional, kind, and fast. Everyone there is so welcoming and they really make you feel like an important person." On the downside, another user noted, "The ultimate scam. Should have received 3 wire transfers they never arrived, the days that I should have received the money the account was unavailable the day after was back working normally but with no money inside..stay away from them they will scam you." For more detailed reviews, visit Trustpilot.

8. Credem

Credem Banca offers a wide range of banking services, including current accounts, cards, loans, mortgages, and investment options. The bank emphasizes customer well-being, sustainability, and innovation, providing tailored solutions for both individuals and businesses.

• Unique Features: Wellbanking People, Green Transition Support, Financial Wellbanker, comprehensive online services including zero-fee online accounts and fully digital loan applications, customer-centric approach with simple and transparent solutions.
• Pricing: The webpage does not provide specific pricing details. For detailed pricing information, customers are encouraged to explore specific product pages or contact the bank directly through the provided contact methods.
• Testimonials: Users generally have mixed feelings about Credem. One positive comment from Steve Smith states, "I have found both the products and service of the branch at Citadella Del Capo as nothing but very good. The whole approach is courteous and professional." On the other hand, Dan Racioppa shares a negative experience, "My experience from the very beginning has been horrible. They were quick to respond when it came to having the paperwork signed and then everything went downhill." For more detailed reviews, visit Trustpilot.

9. Wise

Wise offers an international account that allows users to send, receive, and manage money in multiple currencies. It provides low-cost international transfers, a multi-currency account, and a debit card for spending and withdrawing cash worldwide without hidden fees.

• Unique Features: Multi-currency account holding and converting over 40 currencies, low fees saving up to 5x on international transfers, guaranteed exchange rates for a specified period, local account details for various currencies, Wise debit card for spending and withdrawing cash without foreign transaction fees, interest-earning options on GBP balance, 2-factor authentication, business accounts supporting international transactions, high Trustpilot rating.
• Pricing:
  • Registering with Wise: Free
  • Sending Money: Fee varies by currency, starting from 0.29%
  • Holding Money in Your Account: Free for holding 40+ currencies
  • Receiving Money:
    • Getting account details in 23 currencies: Free
    • Receiving local payments (non-Swift / non-wire) in specific currencies: Free
    • Receiving USD wire and Swift payments: $6.11 USD per payment
    • Receiving CAD Swift payments: 10 CAD per payment
    • Receiving Swift payments in 21 currencies: Free (correspondent banks might charge fees)
• Testimonials: Users generally appreciate the ease of use, low fees, and quick international transfers. One positive comment from Cherilyn A. states, "You can set up and receive multiple currencies. I could use it as my card/debit card abroad. Easy for me to convert the USD funds I have to the currencies of the country I'm vacationing." On the downside, a verified user in Information Technology and Services mentioned, "Customer Support is the worst among all the products that I used, they're just incompetent. I used Wise for the past 3 years as Personal and Business Account. Be ready that you would have to explain yourself each time, because whenever you chat with someone, weirdly always someone else would reply." For more detailed reviews, visit G2.

10. Niural

Niural is an all-in-one platform for modern US Payroll, PEO, Global EOR, Contractor management, and Bill Payments in over 150 countries. It is powered by an advanced agentic AI model called NIURAL AI, which helps HR, finance, and operations teams handle complex compliance and business needs across different regions.

• Unique Features: Powered by NIURAL AI, global hiring and payments, fast onboarding, full tax compliance, unified platform, flexible pricing plans, comprehensive services, support for multiple currencies and countries, compliance management.
• Pricing:
  • Employer of Record: Starts at $499/mo per employee
  • Niural Armor: $299/mo per contractor
  • Hire & Pay Contractors: $49/mo per contractor
  • Basic Plan: $70/mo + $5/month per employee
  • Plus Plan: $100/mo + $15/month per employee
  • Web3 Only Payroll: $19 per member/month + $100 platform fee
  • Enterprise Plan: Custom pricing based on volume
  • PEO Basic: $59/month per employee
  • PEO Plus: $99/month per employee (paid annually)
• Testimonials: Users generally appreciate the platform's comprehensive features and ease of use. One positive comment states, "Niural has streamlined our global payroll and compliance needs effortlessly." On the downside, a user mentioned, "The onboarding process was a bit confusing initially." For more detailed reviews, visit Trustpilot.

Which one should you go with?

In conclusion, while each of these financial platforms offers unique features and benefits tailored to different business needs, OneSafe stands out for its comprehensive services and exceptional customer support. Whether you're managing fiat or cryptocurrencies, OneSafe's user-friendly interface and robust security measures make it a reliable choice. While alternatives like Kontist, Vivid Business, and Brex also provide valuable solutions, OneSafe's ability to simplify complex financial tasks and its game-changing impact on businesses, especially in the Web3 space, make it a top recommendation for those seeking an efficient and versatile financial platform.