Airwallex pricing plans and fees for US spend teams on Explore, Grow and Accelerate

The detail that decides most Airwallex bills is the definition of a user. Airwallex counts a Spend user as any active employee cardholder, or anyone who submits, approves or pays a card expense or reimbursement, or submits, approves or pays a bill in the billing period. Approvers count. The controller who pays bills counts. A manager who never holds a card but approves expenses every month counts. That is a broader definition than most rivals use: Emburse Spend, for example, excludes approvers unless they submit an expense themselves.

Here is what that means for a typical US company. Take 25 people: 16 hold Airwallex cards, 4 managers approve expenses without holding a card, 2 people in finance approve and pay bills, and 3 employees file the odd mileage or reimbursement claim. On Airwallex that is 25 billable Spend users, which is past the 10 included on Explore, so the published path is Grow at 25 x $12 = $300 a month, or $3,600 a year, before the platform fee. Airwallex does not print the platform fee on its US pricing page, so ask for it in writing before you compare quotes, because it is the one line you cannot calculate yourself.

What you get for the money is clear on the pricing page. Explore covers business accounts, local transfers to 120+ countries, unlimited multi-currency corporate cards with zero international fees, up to 2% cash rebates on local USD spend, a credit line for cards, expense management, reimbursements, spend requests, bill pay with AI coding and batched bill payments, and bank feeds, expenses and bills synced with Xero and QuickBooks. Grow adds purchase orders and requests, late-submission policies with automatic card freezing, multi-conditional approvals, advanced expense automation, an AI expense policy agent, vendor approval workflows, rules-based bill automation, NetSuite and Dynamics 365 Business Central sync, HRIS integrations and single sign-on. Accelerate adds 3-way matching for goods receipts and invoices, a custom direct ERP Spend API integration, custom roles and up to 3 legal entities.

The transaction fees are where Airwallex earns its reputation. Currency conversions are priced at 0.5% above interbank rates for major currencies and 1% for all other currencies. Domestic USD and CAD transfers are free. SWIFT transfers to 200+ countries cost $15 to $25 per transfer, SHA or OUR. If you take card payments from your own customers through Airwallex, domestic cards are 2.8% + $0.30 and international cards 4.30% + $0.30. For a company that spends $10,000 a month in euros, a conversion at 0.5% over interbank works out to roughly $50 a month, against up to $300 at a card program with a 3% FX markup. For an importer, a SaaS company with overseas contractors or a team that travels abroad, that difference is the reason to look at Airwallex at all.

So is Airwallex the right expense tool? If you have 10 or fewer people who touch spend, keep your books in QuickBooks or Xero and pay vendors abroad, Explore at $0 is hard to beat and you should use it. The cost changes once approvers, bill payers and occasional claimants start counting, once you move to NetSuite (a Grow feature), or once you want expense policy and approvals to cover the US bank cards and Amex cards your team keeps alongside Airwallex. Airwallex controls the spend that runs on Airwallex. It does not read the receipt from a hotel charged to someone's own Amex.

That last case is where Expenditure fits. Expenditure is expense software that reads every receipt, codes it to your QuickBooks Online, Xero or NetSuite chart of accounts, matches it to the card line, checks it against policy and flags duplicate subscriptions and price creep, on whatever cards and banks you already use, Airwallex included. It records the currency printed on each receipt, and you import card and bank statements as CSV, OFX or QFX from any issuer. Starter is $12 per seat per month billed annually ($24 monthly) from 3 seats, and Growth, which adds policy, approvals, budgets and NetSuite, is $21 billed annually from 3 seats. Many teams keep Airwallex for FX and global payouts and run expenses across every card in one place.

The honest limits. Expenditure does not issue cards, hold balances, convert currency or send payments, and it has no live bank connection: transactions come from the statement files your providers already let you download. It is software and insight, not financial, tax or accounting advice. Receipts and statements are encrypted, access is role based, and your financial data is never sold or used to train models.

Airwallex figures on this page were read on airwallex.com/us/pricing, including its footnotes and FAQ. Prices for other regions differ, and businesses that signed up before June 1, 2025 kept their transaction pricing and were placed on Explore on July 1, 2025.