Airwallex vs. Revolut (2025): Which Business Account Is Right for You?

Airwallex and Revolut are two leading fintech platforms that are currently reshaping the way businesses and individuals manage money globally. While both offer modern alternatives to traditional banking, they serve slightly different purposes. Airwallex is primarily designed for businesses, focusing on cross-border payments, multi-currency accounts, and global expense management. It helps companies with international transactions, particularly in competitive exchange rate environments and with low fees.

Revolut is more consumer-oriented, offering personal and business accounts, budgeting tools, and lifestyle features alongside currency exchange and international transfers.

So let’s take a look at the differences between Airwallex and Revolut so you can make the best choice for your business.

Airwallex vs. Revolut

Airwallex vs. Revolut represent two strong contenders in the fintech space, and they both cater to different business needs. The Airwallex business account emphasizes global operations by offering local bank details in more than 20 currencies, competitive foreign exchange rates, and free local transfers, making it attractive for enterprises with international clients and suppliers.

By contrast, the Revolut U.S. business account simplifies global banking through a single IBAN that supports multiple currencies, which is convenient for smaller teams but may create challenges with local recipients due to limited localized account details.⁴ When comparing Revolut business vs Airwallex, Revolut appeals with ease of use and straightforward setup, while Airwallex provides more advanced tools such as corporate cards, batch transfers, and integrated savings features.¹

Both platforms enable international payments and multi-currency accounts, though Airwallex’s broader reach, covering more than 200 countries, may be better suited for businesses that operate on a global scale.

Revolut U.S. Business Account: Features and Limitations

For entrepreneurs in the U.S., the Revolut U.S. business account offers a compelling range of tools, multi-currency support, virtual and physical cards, and seamless app-based expense tracking. Businesses can hold up to 25 currencies, with dedicated USD and GBP local accounts (ACH and wire details included).⁴ Monthly plans span from Basic ($0) to Grow ($30/month) and Scale ($119/month), with interbank currency exchange allowances: $1,000 for Basic and $10,000 for Grow.²

Users benefit from integrations with tools like Xero and QuickBooks, API access, and batch payments, but the account remains largely self-managed, with no dedicated account manager, even on paid plans.²

However, limitations include capped fee-free transfer limits and tiered pricing that may escalate costs once allowances are exceeded.¹ Weekend FX rates carry additional markups, and premium support is reserved for Enterprise users.¹

Moreover, some U.S. users reported past difficulties with ACH availability, transfer limits, and support, even though improvements have been made on Reddit feedback. Overall, the platform suits small or growing businesses well, so long as they can navigate the tiered framework and occasional operational quirks.

Airwallex Business Account: Benefits for Global Enterprises

Global businesses thrive on flexibility, speed, and cost efficiency, and the Airwallex business account can deliver that.¹ With multi-currency accounts, businesses can access local bank details in more than 20 currencies, which can help simplify cross-border collections and reduce the need for extensive paperwork.

Airwallex will facilitate international payments to more than 150 countries, with the majority of transfers processed on the same day through its local payments network, which can reduce reliance on traditional SWIFT routes.³ Companies can also access foreign exchange rates that are competitive, with fees starting from 0.4% above interbank pricing, alongside no account maintenance fees or minimum balance requirements.^1,4

Additional features include integrated expense management, corporate cards with cashback, and compatibility with platforms such as Xero, QuickBooks, Shopify, and Amazon.²

The tools noted above are designed to provide greater efficiency, visibility, and control within a centralized system, which supports the needs of businesses engaged in global operations.³

Wise Business Could Help Your Company Save on Global Payments

International Payments: How Airwallex and Revolut Compare

When it comes to international payments, both Airwallex and Revolut shine, but each with a different edge. Airwallex, with its proprietary banking network, enables same-day cross-border transfers to 120 to 150 countries, often with zero-fee local payments and multi-currency accounts that eliminate unnecessary conversions.¹ Their FX rates generally range between 0.5% to 1% above interbank, and SWIFT fees can range from USD $10 to $30.^1,4

In terms of Revolut U.S. business accounts, Revolut offers generous fee-free allowances for currency exchanges and transfers, especially on paid plans, with interbank rates within limits and 0.6% markup beyond, or even 1% during non-market hours.² Users enjoy access to 25 to 30 currencies, seamless in-app exchange, and instant transfers between Revolut accounts.² However, past user reports cite occasional hiccups: delays, bounced payments, and rejections, especially for larger international transfers, which can disrupt business timelines.

So we can confidently conclude that Airwallex excels in global reach and consistency, while Revolut offers affordability and convenience, highlighting that your choice depends on your payment volume, speed requirements, and tolerance for occasional unpredictability.

Multi-Currency Accounts: Choosing Between Revolut and Airwallex

For companies trading across borders, multi-currency accounts are essential. The Airwallex business account offers local bank details in more than 20 currencies, letting businesses collect, hold, and pay like a local without forced conversions.² This will help your business receive payments in currencies like USD, EUR, GBP, or AUD seamlessly, while avoiding costly FX fees. Airwallex also enables same-day settlements in more than 120 countries, so you have more options in terms of sending money abroad.²

Meanwhile, the Revolut U.S. business account supports more than 25 currencies with in-app instant exchange and transfers between Revolut users.³ Businesses on paid tiers get fee-free exchange allowances (up to $10,000/month on Grow), while exceeding limits or transacting outside market hours incurs a 0.6% to 1% markup.³ Revolut’s setup is quick and user-friendly, but it lacks the localized account details Airwallex provides, which can matter for enterprises needing true global reach.²

So with that being said, Airwallex vs. Revolut comes down to depth vs. convenience: Airwallex delivers broader infrastructure, while Revolut offers flexibility for smaller, agile teams.

Save Time and Money On Overseas Payments With Wise Business

Wise Business can help you save big time on international payments.

Wise is not a bank, but a Money Services Business (MSB) provider and a smart alternative to banks. The Wise Business account is designed with international business in mind, and makes it easy to send, hold, and manage business funds in currencies.

Signing up to Wise Business allows access to BatchTransfer which you can use to pay up to 1000 invoices in one go. This is perfect for small businesses that are managing a global team, saving a ton of time and hassle when making payments.

Some key features of Wise Business include:

• Mid-market rate: Get the mid-market exchange rate with no hidden fees on international transfers

• Global Account: Send money to countries and hold multiple currencies, all in one place. You can also get major currency account details for a one-off fee to receive overseas payments like a local

• Access to BatchTransfer: Pay up to 1000 invoices in one click. Save time, money, and stress when you make 1000 payments in one click with BatchTransfer payments. Access to BatchTransfer is free with a Wise Business account

• Auto-conversions: Don't like the current currency exchange rate? Set your desired rate, and Wise sends the transfer the moment the rate is met

• Free invoicing tool: Generate and send professional invoices

• No minimum balance requirements or monthly fees: US-based businesses can open an account for free. Learn more about fees here

Use Wise Business >>

Final Thoughts

Choosing between Airwallex vs. Revolut ultimately depends on your priorities and scale. For businesses with complex cross-border operations, the Airwallex business account does offer more in terms of local bank details in multiple currencies, same-day international payments, transparent FX rates, and integrations that may make global finance more efficient. It’s built for enterprises that need infrastructure as much as banking.

However, Revolut brings simplicity and accessibility. The Revolut U.S. business account is quick to set up, budget-friendly, and perfect for startups or SMEs that value ease of use, team expense management, and fast currency exchange within allowances. However, its limitations, like capped fee-free transfers and fewer localized banking options, may restrict scalability for larger firms.

In conclusion, Revolut business vs Airwallex is less about which is “better” and more about fit: Revolut suits agile teams starting global journeys, while Airwallex powers enterprises with the intention to scale worldwide.

Frequently Asked Questions (FAQs)

Is Airwallex a bank?

No, Airwallex is not a traditional bank. Instead, it’s a licensed financial technology company regulated in multiple jurisdictions, including the U.S., UK, EU, and Australia.¹ Airwallex doesn’t hold a full banking license or offer services like lending or deposit insurance. Instead, it focuses on payment infrastructure, multi-currency accounts, and global money movement. This means that Airwalles allows businesses to access banking-like services, such as holding and sending money internationally, without the overhead of traditional banking.⁴

Does Revolut offer credit or lending to businesses?

Yes, Revolut has expanded beyond payments and accounts to offer credit and lending solutions for certain business customers, though availability depends on region.¹ Revolut Business users may access features like credit lines, overdrafts, and invoice financing. These specific tools are particularly valuable for small to medium-sized businesses that need working capital or flexible repayment options. However, Revolut’s lending solutions aren’t as universally available as its core banking and currency services. In the U.S. and some other markets, credit options remain limited or in testing stages. Businesses looking for reliable global lending may still need to rely on traditional banks or other fintech lenders, but Revolut is gradually growing its credit offerings to compete in this space.³

How secure are Airwallex and Revolut for handling business funds?

Both Airwallex and Revolut put strong emphasis on security.¹ Airwallex complies with financial regulations across multiple countries and holds funds in segregated client accounts, so that customer money is protected even if the company faces issues. It also employs encryption, fraud monitoring, and two-factor authentication for transactions. Revolut, similarly, is regulated as an electronic money institution (in Europe and other markets) and partners with licensed banks for safeguarding funds.³ Revolut also includes additional features like transaction alerts, role-based permissions for team spending, and integrated fraud checks.²

Can individuals use Airwallex, or is it only for businesses?

Airwallex is primarily designed for businesses, not individual users.¹ Its services, such as multi-currency accounts, global corporate cards, and expense management, are tailored toward companies that need to manage international payments and cross-border operations.³ Airwallex never positioned itself as a consumer-facing platform, but Revolut actually started with personal accounts and later expanded to business.¹ That means individuals can’t open personal accounts directly with Airwallex.³ However, small businesses, sole proprietors, or freelancers may qualify to use Airwallex if they register as business entities.²

Sources

1. Airwallex vs Revolut: Which Is Better for Your Business? | Airwallex Blog
2. Airwallex vs Wise vs Revolut vs Adyen vs Stripe vs PayPal vs GoCardless | Good Money Guide
3. Airwallex vs Revolut: Which Is Best for Your Business in 2025? | OneSafe
4. Airwallex vs Revolut: Detailed Comparison of Features & Pricing | Secret