Add up what Airwallex actually charges per month. Enter your FX volume, card acceptance volume, transaction count and SWIFT transfers to combine the seat fee, FX markup, card rates and transfer fees into one figure.
| Input | Result |
|---|---|
| Explore plan, 8 users, $50,000 FX, $20,000 card volume | $1,050.00 per month |
| Grow plan, 25 users, $200,000 FX, $120,000 card volume, 4 SWIFT transfers | $6,340.00 – $6,380.00 per month |
| Grow plan, 120 users, $1,500,000 FX, $900,000 card volume, 15 SWIFT transfers | $48,465.00 – $48,615.00 per month |
| Item | Price | Note |
|---|---|---|
| Explore | $0 per user / month | up to 10 free Spend users |
| Grow | $12 per active Spend user / month | maximum 250 Spend users; plus an unpublished platform fee |
| Accelerate | custom quote | not priced here |
| FX conversion | 0.5% above interbank | major currencies: AUD, USD, HKD, CNY, EUR, GBP, SGD |
| FX conversion | 1.0% above interbank | all other currencies |
| Domestic card acceptance | 2.80% + $0.30 | per transaction |
| International card acceptance | 4.30% + $0.30 | per transaction |
| Local payment methods | $0.30 + payment method fee | the method fee is not published |
| Subscriptions / usage billing | 0.50% | per successful transaction |
| SWIFT transfer | $15 – $25 | per transfer, SHA and OUR |
| Domestic transfer (USD, CAD) | free | |
| Local transfer to 120+ countries | free | batch transfers |
| Invoicing | free |
Taken from the Airwallex US pricing page, checked 2026-10-16. Monthly plan prices are in USD.
Every rate above is published by Airwallex on its own pricing page, the $0 and $12 seat prices, the 0.5% / 1.0% FX markup split, the 2.80% + $0.30 domestic and 4.30% + $0.30 international card rates, the 0.50% billing rate and the free transfers. Checked 2026-10-16.
SWIFT transfers stay a range, on purpose. Airwallex publishes $15 – $25 per transfer without saying what decides which end you pay. Rather than pick a midpoint and present it as fact, the calculator carries both ends through to the total, so when you enter SWIFT transfers you get a range instead of a false single number.
Two items are deliberately not costed. The Grow plan carries an additional “platform fee based on team size” that Airwallex does not publish a figure for, and local payment methods add a payment-method fee on top of the $0.30 that is also unpublished. Both are named here so you know the total is a floor, not a ceiling. Accelerate is quote-only.
This is an estimate, not a quote. It covers seat fees, FX markup, card acceptance and SWIFT transfers; it excludes the Grow platform fee, local payment method fees, chargebacks, and Yield earnings on USD balances. Not an Airwallex tool and not affiliated with Airwallex Pty Ltd. Airwallex is a trademark of Airwallex; the name is used only to identify which provider is being estimated.
For card payments, 2.80% plus $0.30 on domestic cards and 4.30% plus $0.30 on international cards, per transaction. Local payment methods are $0.30 plus a payment-method fee that Airwallex does not publish. On $20,000 of card volume with 30% international and 500 transactions, that comes to about $800.00 a month.
0.5% above the interbank rate for major currencies, AUD, USD, HKD, CNY, EUR, GBP and SGD, and 1.0% above interbank for everything else. So converting $50,000 in a major currency costs about $250 in markup, while the same amount in a minor currency costs about $500. That doubling is why the currency you bill in matters more than the volume.
On Explore, no, it is $0 per user per month and includes up to 10 free Spend users. On Grow it is $12 per active Spend user per month, with a maximum of 250 Spend users, and Airwallex also charges an additional platform fee based on team size that it does not publish. A user counts as active if they hold a card or submit, approve or pay an expense or bill in the billing period.
Airwallex publishes $15 to $25 per SWIFT transfer, depending on the arrangement, with SHA and OUR options. The page here keeps both ends and shows your total as a range rather than guessing a midpoint. Local transfers to more than 120 countries and domestic USD and CAD transfers are free.
For international cards it is usually well below standard acquiring rates, because international card acceptance at 4.30% + $0.30 is priced close to the domestic rate, where traditional acquirers often add a cross-border surcharge on top. The catch is the FX markup: if you take payment in one currency and settle in another, 0.5% to 1.0% applies on the converted amount, which on large volumes can outweigh the card savings.
Because Airwallex publishes SWIFT transfers as a $15 to $25 range without saying what determines the rate. Every other charge here is a single published number, so when you enter no SWIFT transfers you get one figure; add SWIFT transfers and the total becomes a range spanning both published ends.