Airwallex Treasury & FX Calculator
Calculate exact costs for international payouts, 0.40% wholesale FX spread, and $0 local payment clearing across 130+ countries.
0.40% above interbank wholesale rate for G10 currencies.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
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Frequently Asked Questions
What are standard transaction and FX fees on Airwallex in 2026? ▼
Airwallex provides interbank wholesale FX conversion with transparent margins ranging between 0.30% and 0.60% above mid-market exchange rates, substantially lower than traditional commercial banks (3%–5%).
What are Airwallex Global Accounts and what local bank details are included? ▼
Airwallex issues virtual multi-currency domestic bank accounts in over 60 countries and 23+ currencies (USD, EUR, GBP, AUD, HKD, SGD, CAD, JPY), enabling businesses to collect revenue locally without cross-border wire fees.
How does Airwallex integrate with marketplace payouts like Amazon, Shopify, and Stripe? ▼
Merchants connect Airwallex local routing and account numbers directly into Amazon Seller Central, Stripe, or PayPal, collecting sales proceeds in original currencies and eliminating forced double conversions.
What are Airwallex international batch payment and payroll transfer costs? ▼
Domestic ACH, SEPA, and Faster Payments transfers are typically zero-fee or nominal (under $0.50). International SWIFT telegraphic transfers cost between $5 and $15 with same-day settlement.
Does Airwallex offer corporate employee payment cards? ▼
Yes. Airwallex issues multi-currency Visa commercial virtual and physical cards that draw funds directly from multi-currency wallet balances, avoiding foreign exchange conversion penalties on overseas SaaS expenses.
What accounting software natively syncs with Airwallex? ▼
Airwallex features automated multi-currency bank feed integrations with Xero, QuickBooks Online, and NetSuite, reconciling international invoices and tracking real-time currency exchange gains/losses.
How does Airwallex compare to Wise Business for global enterprise merchants? ▼
While Wise is optimized for small freelancers and SMBs, Airwallex provides advanced treasury APIs, custom high-volume FX hedging contracts, global corporate card management, and programmatic payment collection.
Is client money safe and segregated under Airwallex regulatory licenses? ▼
Yes. Airwallex is authorized by tier-1 global regulators including the UK FCA, Australian ASIC, Hong Kong C&ED, and US FinCEN, holding merchant client funds in segregated tier-1 institutional trust accounts.