Wise vs Airwallex: Compare features and fees
Find out how Wise’s features and fees compare to Airwallex’s for Dutch businesses and EEA companies selling into the Netherlands.
With Airwallex, businesses can transfer funds to 200+ countries, more than the 73 supported by Wise.
Get wider global coverage and more features — including payment acceptance, spend management tools, and multi‑currency accounts — all on one platform.
3 reasons why businesses choose Airwallex over Wise
Get wider global reach
Airwallex offers multi‑currency accounts in 23+ currencies, compared to Wise’s 10+. You can send money to 200+ countries, including 120+ using local payment rails, compared to around 73 with Wise.
That means broader coverage and more routes where payments can avoid slower, more expensive cross‑border networks.
Get paid in more ways
Both Wise and Airwallex offer payment links and invoices for simple, no‑code collection flows.
Airwallex goes further with low‑code eCommerce plugins, hosted checkouts you can launch quickly without heavy development, and fully customisable payment APIs that give you complete control over the checkout experience.
Manage expenses with more control
While Wise offers basic card controls, Airwallex helps businesses track and control spend with end‑to‑end expense management tools — from issuing business debit cards to setting spend limits, configuring multi‑step approvals, and syncing transactions with accounting software.
You can roll out multi‑currency employee cards, enforce granular controls, and keep finance, payments, and spend data in one place instead of across separate tools.
Reach more markets and gain full control over spend with Airwallex
The biggest difference between Airwallex and Wise is global reach and breadth of functionality. With Airwallex, businesses can receive funds like a local via multi‑currency accounts in 23+ currencies, more than Wise’s 10+. Airwallex also provides broader transfer coverage to 200+ countries, compared to Wise’s 73.
On top of that reach, Airwallex gives you more comprehensive expense management tools and a deeper multi‑currency toolkit than Wise — helping Dutch and EEA businesses gain clearer oversight and tighter control over global spend as they expand.
Save on transfer fees and FX with Airwallex
Overall, Airwallex offers lower international transfer fees and more predictable FX costs than Wise for many businesses with regular cross‑border activity.
With Airwallex, businesses can access interbank rates when converting currencies for payouts, hold funds in 20+ currencies to avoid unnecessary conversions, and route transfers over local payment rails where available — helping reduce both explicit transfer fees and hidden FX costs.
Note: Any Wise fee figures or ranges above are indicative only. Wise’s exact fees vary by country, account type, corridor, currency, and may change over time. For the latest pricing for Dutch and EEA customers, always refer to Wise’s official fees and pricing pages.
What local businesses are saying about Airwallex
“Airwallex is a really good example of how we’re investing in technology. While our previous solution for foreign payments was very slow, manual and outdated, Airwallex is quick, easy and efficient. Not only does Airwallex save the team time, it also saves us money – it’s a win-win.”
Laura Bowden
CFO at McLaren Racing
“Because of Airwallex, we’re enjoying significant cost savings and a more streamlined management of funds between different currencies, which is essential for our travel agency.”
Simon Russell
Authentic Vacations, CEO
“Everything just flows now - approvals, expenses, reimbursements. Managers feel trusted, the finance team is more visible, and we’re moving faster without losing control. Airwallex has completely changed the pace and perception of finance in the business.”
Nathan Humphreys
Financial Controller, Truvi
"One thing was clear: We needed a simple-to-use, truly global financial solution that allowed us to seamlessly accept money from customers in multiple markets convert it to other currencies only when needed, and pay vendors in different countries. In other words, we needed to trade globally - not just Australia.”
Richard Li
Co-founder & CEO, July
"We've had such a fantastic experience switching to Airwallex. Previously we were using a traditional bank to make all of our international transactions and they'd constantly lock us out of the account everytime we made a transfer, resulting in hours and hours of lost time on hold. Airwallex is secure, makes it super quick and simple to make and receive international payments."
Rupert
Managing Director, Perspective Pictures
Frequently asked questions about Wise features and fees
What alternative solutions to Wise are there?
There are several alternatives to Wise, including PayPal, Payoneer, Revolut, Stripe, and traditional Dutch and European banks.
Airwallex stands out for Dutch and EEA businesses that need competitive pricing, broad global reach (200+ countries, 120+ with local rails), multi‑currency support with 20+ like‑for‑like settlement currencies, and end‑to‑end solutions including FX and transfers, spend management tools, and payment acceptance — all on one platform.
How much are Wise fees in the Netherlands?
Wise typically charges a fixed fee plus a variable percentage fee for international transfers, with starting percentages often around 0.4% but varying by currency pair, route, and payment method. Additional FX charges apply when you convert between currencies, and pricing can differ by region (including the Netherlands) and by product type (personal vs business).
Airwallex offers a competitive alternative with transparent FX margins (typically a small markup over interbank), no monthly account fees for standard usage, and the ability to collect and hold funds in multiple currencies so you can avoid repeated conversions and reduce your total fees over time.
For the latest Wise pricing applicable to Dutch and EEA businesses, always refer to Wise’s official pricing pages.
How does an Airwallex Business Account help Dutch businesses save on transaction fees?
An Airwallex Business Account can help Dutch businesses avoid unnecessary conversion fees and reduce day‑to‑day expenses:
You can collect payments from international customers in their local currency and keep those funds in that currency rather than converting back to EUR each time.
You can then spend those balances later in the same currency — for example, to pay global suppliers, platforms, or employees — removing repeated FX conversions.
You can choose when to convert foreign‑currency balances back to EUR based on market conditions, rather than being forced to convert on every transaction.
This combination of like‑for‑like settlement, local‑rails routing, and transparent FX pricing helps reduce both visible fees and hidden FX costs when Dutch businesses operate across multiple markets.