Yield
Earn 3.93% on USD and 3.87% on AUD*
Grow your balances easily with Airwallex’s high rate savings solution for multi-currency balances - no minimum lock up period required.
Grow your funds faster than with your traditional bank
3.93%*
3.87%*
Maximise your money and your business growth
Yield is a high-rate savings solution that gives you the opportunity to earn multi-currency returns.
Earn on multiple currencies
Grow your AUD balances as well your USD funds without having to open multiple accounts, a first in Australia.
No lock-up periods
Easily move funds between your cash balances and Yield account as needed to keep your business growing.
Start earning instantly
Open an Airwallex account online and allocate funds to start accruing returns daily.
Keep your balance data in sync
Sync your Yield balances and returns to Xero in real time for faster reconciliation.
Get Started
Start growing your funds in just a few clicks
Sign up for an Airwallex account and enable Yield
Your Yield account is integrated within the Airwallex app. Move funds as often as you'd like between your cash balances and your Yield account.
Sit back and put your money to work
Returns are accured on a daily basis. Easily track your lifetime earnings across currencies.
Cash out whenever you need
Funds generally settle from your Yield account to your cash balances in 1-2 business days.
"It absolutely dominates the CBA solution that we had…I think we've earned more with Yield in a week than we did with CBA in a month... We really expect innovation like this to drive the market forward …I can't recommend it highly enough.”
David Carbines
Co-Founder & CEO, cogsflow
"We decided to take up Yield to make sure that we weren’t missing out on any returns opportunity – it saved us from having to transfer to a deposit/savings account, but still allowed us to get market rates of returns on any excess cash that built up."
Chris Malley
CFO, Love to Dream
"The benefit with the major bank is they offered us term deposits which are at a relatively competitive rate. But especially for the US denominated ones, there was no ability to break the term deposit early. You'd have to lock it in for a period of time. So the Airwallex Yield product gave us over 4% on our USD balances, with a turnaround time if we need the funds.”
Chris Gillis
Co-Founder & CFO, LeonardoAI
Security
Keeping your funds safe
Your funds are invested into the JP Morgan Liquidity Funds, money-market funds which hold a AAA rating. This rating reflects a conservative risk profile, high liquidity, and strategy to invest in short-term, highly-rated securities.
Frequently asked questions
What is Airwallex Yield?
Airwallex Yield allows businesses the opportunity to earn a competitive return on their balances held in multiple currencies by investing into money market funds. There are no lock-up periods and you can access your funds as needed.
How is Airwallex Yield different from term deposits?
Term deposits also allow you to earn a return on your funds, but typically require that you hold your funds in the term deposit account for a set period of time such as 30, 60, or 90 days to be eligible to earn interest. If you wish to access your funds before the end of the term, you may incur a penalty. With Airwallex Yield, you are not required to hold your funds for a set time period, and you can access your funds at any time without incurring fees. Funds generally settle from your Yield account to your cash balances in 1-2 business days (with the exception of distribution periods or any exceptional circumstances). In addition, Airwallex Yield is an investment product that generates rates of return rather than an interest rate.
What returns could I earn on my Yield account?
All investments carry risk, however Airwallex Yield invests into the JP Morgan Liquidity Funds, which have historically tracked local cash interest rates for the region. *Target returns noted above for USD and AUD balances are net of fees as at 4 April 2025 and indicate past 1-day annualised returns of the relevant underlying JPMorgan Liquidity Funds.