The everyday transaction account for the modern freelancer

Receive payments from clients across the globe without unnecessary fees impacting your margins.

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Helping freelancers and contractors work smarter


Work with clients across the world, without FX rates impacting your margins. Invoice and receive payments in 10+ currencies, and convert or withdraw to your preferred currency.


Use Airwallex Borderless Cards to manage your software subscriptions and ad spend. Save with zero transaction fees on international purchases.

Artists and musicians

Collect royalties in multiple currencies. Pay for touring expenses using virtual cards and save on international transactions.

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Spend less time on business admin, and more time on client hours

Open a business account online

Get your account up and running in minutes. Perfect for digital nomads who are frequently travelling and wish to avoid visiting a bank branch.

Free AUD, EUR, GBP, & USD balances

With Global Accounts you can receive, hold and spend funds for free from your international balances.

Get a card instantly

Create a virtual card within minutes of account approval. Perfect for work expenses, software subscriptions and ad spend. Physical card coming soon.

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Freelancer-friendly pricing

$0 monthly account fees

Pay only for what you need with an Airwallex business account. No minimum account balance or income.

$0 international transaction fees

Spend anywhere with your Airwallex Borderless Card, with unlimited transactions and no transaction fees.

Receive payments from clients with no fees

Invoice your clients in their preferred currency. Only pay a small margin on FX, 0.5% or 1%, when you convert funds to your primary currency.

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Simple, transparent pricing

Domestic transfers (AUD)


FX margin

0.5% or 1.0% above interbank

International card transactions


*Where payments are made through Airwallex’s payment network there are no payment fees. However any payments made via the SWIFT network will still incur a payment fee from $10AUD. Click here for more information. **For card transactions, you will access our interbank rates plus small margin for the following currencies: AUD, USD, GBP, EUR, HKD, CAD, NZD, SGD, JPY, CHF. For less frequently traded currencies, we will use the Visa rate.

How our fees compare against the Big Four Banks

With Airwallex, get access to our best rates, no matter the transaction amount. But don't take our word for it, check out how our rates stack up, below.

monthly feeFX (above interbank¹)international transaction card fee
AirwallexFREE0.5% or 1.0%FREE
Nab$10 AUD2.7%3%
Westpac$10 AUD4%3%
AnzFREE with conditions3%3%
Commenwealth BankFREE with conditions4%3%
monthly fee
Nab$10 AUD
Westpac$10 AUD
AnzFREE with conditions
Commenwealth BankFREE with conditions
FX (above interbank¹)
Airwallex0.5% or 1.0%
Commenwealth Bank4%
international transaction card fee
Commenwealth Bank3%

¹Where possible, we offer live exchange rates. Click here to find out more.

The above estimations are calculated using published rates for the Big Four banks, and using our rates that apply to new customers from 17 October 2022. You can find more information on how we calculated our savings here.

Xero Integration

Make bookkeeping a breeze

bank feeds showing payments reconciling into Xero

Quick and easy integration

Link your Airwallex and Xero accounts in just a few clicks.

Multi-currency transaction syncing

Sync your multi-currency Airwallex transactions to Xero, including who made the transaction and where.

Syncs hourly

Ensure your Xero transaction records are up to date for your accountant or bookkeeper.

bank feeds showing payments reconciling into Xero

See how our customers are finding Airwallex

  • Airwallex Testimony
    “Airwallex is our one-stop shop for all our banking needs, in one easy-to-use interface. Without Airwallex, we would not have been able to scale our business as fast as what we’ve been able to achieve.”
    Andrew Ford and Rosa-Clare Willis

    Co-founders, Crockd

Security is at our core


We work with world-class security providers to ensure your funds and accounts are secure at all times.


Your data is stored and protected behind multiple layers of authentication. Two factor authentication is enabled on your account for added security.


Our security systems and procedures are based on the highest international standards including PCI Level 1 compliance.


Airwallex holds an Australian Financial Services Licence (AFSL No. 487221) and is regulated by the Australian Securities and Investment Commission (ASIC).

The everyday transaction account for the modern freelancer

Contact our specialist team

We're happy to answer questions and get you acquainted with Airwallex.
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