Finance & PaymentsAirwallex
Global business accounts and FX payments without the traditional banking markup.
Airwallex is a global financial operations platform that provides multi-currency business accounts, international payments, corporate cards, and expense management for companies operating across borders. It is most commonly adopted by Series A through Series C software companies and scaling e-commerce businesses that are paying contractors, vendors, or employees in multiple countries and losing significant money to FX spreads and wire fees from traditional banks. The primary problem Airwallex solves is the cost and friction of moving money internationally: banks typically charge 2 to 4 percent on FX conversion on top of fixed wire fees, and Airwallex compresses those costs by offering interbank-rate-adjacent conversion and local payment rails in over 150 countries. Beyond payments, the platform includes virtual and physical Visa cards, spend controls, and integrations with accounting tools for reconciliation. It is a practical alternative to opening local bank accounts in every country where a company has financial relationships.
Finance leads and CFOs at software companies with cross-border financial operations, particularly those paying contractors or vendors in multiple currencies or receiving revenue from international clients. The right signal to adopt Airwallex is when bank FX fees and wire costs become a visible line item in the P&L, or when the team is managing more than 5 to 10 recurring international payment relationships.
1,5% cashback for new US/UK clients
Subject to partner eligibility criteria. Savings estimates reflect maximum potential value.
Airwallexin depth.
Multi-Currency Global Accounts
Create local account details in USD, GBP, EUR, AUD, SGD, and other major currencies without needing a local entity or bank account. This allows companies to receive payments from international customers or clients in their local currency without conversion loss.
Low-Cost International Transfers
Send payments to contractors and vendors in over 150 countries using local payment rails rather than SWIFT wires, which significantly reduces fees and settlement times. Teams with distributed contractor networks save meaningfully compared to routing everything through a domestic bank.
Borderless Corporate Cards
Issue physical and virtual Visa cards to employees that transact in local currencies without dynamic currency conversion fees. Finance teams use these to give distributed employees spend authority without the overhead of reimbursement workflows.
FX Rate Management
Convert currencies at rates close to the interbank midrate and lock in rates for forward conversions when needed. This is relevant for companies with significant recurring FX exposure who want to reduce earnings volatility.
API and Accounting Integrations
Airwallex offers a payments API for embedding payouts into products, plus native integrations with Xero, QuickBooks, and NetSuite. This makes it possible to reconcile international transactions directly against the general ledger without manual CSV exports.
Airwallex integrates with Xero, QuickBooks, NetSuite, Shopify, and major payroll platforms, and offers a payments API for companies that want to embed global payouts directly into their own products. In a typical stack it replaces or supplements a traditional business bank account for the international layer while domestic banking remains with a local institution.
Commonuse cases.
Paying a distributed engineering team across multiple countries
Companies use Airwallex to send contractor and salary payments in local currencies to engineers in the UK, EU, Southeast Asia, or elsewhere without routing through expensive correspondent banking chains. Payees receive funds faster and the sending company avoids the 2 to 4 percent FX spread a traditional bank would charge.
Receiving international client payments without a local bank account
A US software agency with clients in the UK and Australia can hold GBP and AUD account numbers through Airwallex and receive client payments as local bank transfers rather than international wires. This removes friction for clients and eliminates the inbound wire fee on the receiving side.
Managing employee SaaS and tool subscriptions across currencies
Finance teams issue virtual cards to department leads denominated in the currency of the SaaS vendor, avoiding dynamic conversion fees and simplifying reconciliation. Spend limits per card mean budget control without needing to review every transaction manually.
Three stepsto activate.
Check eligibility
Each partner maintains independent qualification criteria. We assess your profile and determine which offers you qualify for.
Schedule a briefing
Book a call with our partnerships team to discuss your stack requirements and walk through the activation process.
Activate credits
Once approved by the partner, credits are deployed to your account. Timelines vary by partner.
BearPlex maintains partnerships with leading technology providers to facilitate access to exclusive programs for our clients. All offers are subject to each partner's independent eligibility requirements, approval processes, and terms of service. Savings figures represent maximum potential value and may vary based on qualification, usage, and partner-specific criteria. BearPlex acts as a facilitation partner and does not guarantee approval or specific credit amounts. Offer availability and terms may change at the partner's discretion.
