Revolut vs Airwallex: Compare features and fees

See how Airwallex delivers better features and lower fees than Qonto. While both providers support global transfers, Airwallex reaches 200+ countries and routes payments over local rails in 120+ countries for faster, lower‑cost delivery. Receive, hold, settle, and send funds all on one platform.*

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3 reasons why businesses choose Airwallex over Qonto

Reach more countries with genuinely fast, low-cost transfers

Qonto supports international transfers to 150+ countries in 30+ currencies, mainly via SWIFT and Wise. Airwallex reaches 200+ countries, routing payments over local rails in 120+ countries so more than 90% arrive the same day, with fewer intermediary fees and lower total costs.

Receive funds like a local in significantly more currencies

Qonto is optimised for EUR with a French IBAN and SEPA, but most non‑euro payments are received via SWIFT and converted.

Airwallex provides local bank details in 20+ currencies so French businesses can receive and hold funds like‑for‑like in key markets without opening local entities or extra bank accounts.

Get a true end‑to‑end platform, not just a business account

Qonto is a strong euro‑area account with cards, invoicing, and expenses, but relies on partners and SWIFT for much of its international reach.

Airwallex combines global accounts, FX, payment acceptance, multi‑currency settlement, corporate cards, and spend management on one platform, plus dedicated Account Manager support for eligible customers.

Send transfers to more regions and accept customer payments with Airwallex

Qonto lets French businesses send money in 30+ currencies to over 150 countries, powered by Wise, with a percentage fee on outgoing transfers and FX costs embedded in the rate. This works well for occasional international payments but still leans heavily on SWIFT and corridor‑specific fees.

Airwallex extends this reach to 200+ countries and uses local payment rails in 120+ of them, cutting delivery times and intermediary bank charges.

French businesses can also accept payments in 160+ countries via links, plugins, and APIs, offering cards and 160+ local payment methods at checkout and settling in multiple currencies to reduce FX friction. For EUR flows, SEPA and SEPA Instant support mean many intra‑EEA payments avoid SWIFT altogether.

Features	Qonto	Airwallex
Global transfer coverage	150+ countries. Most transfers rely on SWIFT routing, meaning slower delivery and higher intermediary fees.	200+ countries with routing over local payment rails in 120+ countries — consistently faster, lower-cost delivery with broader reach.
Local bank details to receive funds like a local	Strong euro‑area focus with a French IBAN and SEPA instant transfers. International payments in other currencies are generally received via SWIFT into a euro account and converted, limiting like‑for‑like settlement outside the euro.	Authentic local bank details in 20+ currencies — covering far more markets to avoid forced conversions and offer genuine local receiving that Qonto does not provide.
Online payment acceptance and local methods	Card payments plus wallets such as Apple Pay, Google Pay and Tap to Pay, mainly for euro and card‑based collection in France and the eurozone.	Global payment acceptance with major card schemes and 160+ local payment methods, comprehensive multi-currency settlement across key regions — truly localise checkout across more markets.
Spend management and multi-currency cards	Business Mastercards with expense management tools, card limits, and FX commissions on non‑euro card spend that can be in the ~1–2% range depending on card type, with exact fees set by Qonto and subject to change.	Enterprise-grade corporate cards with granular controls (card limits, merchant restrictions, country rules), automated reimbursements, invoice OCR, multi-step approvals, and ERP integration.
Platform breadth and global entity management	Comprehensive solution for French and euro‑area banking, cards, invoicing, and expenses, but international FX, multi‑currency accounts, and global payment acceptance rely on partners and SWIFT, often requiring additional providers as you scale outside Europe.	True end-to-end platform — global accounts, FX, transfers, payments, cards and expenses — centrally managed across multiple entities from one unified system.

Save on FX and transfer fees with Airwallex

Qonto charges subscription fees plus per‑transaction costs, including percentage‑based fees on international transfers, FX margins via Wise, and potential SWIFT and intermediary bank fees. Exact percentages and thresholds depend on plan, corridor, and currency, and may change over time.

Airwallex is built to minimise your total global money movement cost: like‑for‑like settlement in 20+ currencies to avoid forced euro conversions, transparent FX margins (typically interbank + 0.5–1.0%), and routing over local rails in 120+ countries to reduce correspondent fees and delays.

Fees	Qonto	Airwallex
0% international transaction fee (local-rails transfers)	Not available as standard. International transfers in foreign currencies typically incur a percentage‑based fee plus FX costs, with additional SWIFT and intermediary bank fees on some routes; the exact percentages depend on your plan and corridor.	Available when sending via local rails to 120+ countries. On many major local‑rails routes, the Airwallex transfer fee is €0, and optimised routing helps reduce intermediary bank fees compared to SWIFT.
FX conversion fee	FX fees apply on card transactions in non‑euro currencies (often in the region of 1–2% depending on card type) and on international transfers in foreign currencies, where Wise’s spread and any mark‑up are built into the rate and fees. Actual FX costs vary by plan, card, corridor, and currency.	True interbank rate plus a transparent 0.5–1.0% margin on most currency pairs. Hold funds in 20+ currencies and convert only when it suits your strategy — not every time money moves.

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

“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

"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

"Our water solutions company, Dropterra (go.dropterra.com) has partnered with Airwallex since inception and it has been the best banking and payment partner a company can think of. International transactions are easy, secure, and fast, the technology is incredible and their client service fantastic! We look forward to growing and deepening our relationship with Airwallex!"

Francois Schramek

Co-Founder, Dropterra

“Before we found Airwallex, it was difficult to find an employee cards and payments infrastructure partner that could keep up with our high growth and big vision. Airwallex has provided a complete business account to seamlessly manage employee expenses, multi-currency collections and transfers at market-leading FX rates. To date, Airwallex has helped Mr Yum issue more than 30 cards, launch 3 months faster in the UK and saved more than $50,000 on international transaction and FX-related fees”

Corey Payne

Financial Controller, Mr Yum

Frequently asked questions about Qonto fees and features

How much are Qonto Business fees in France?

Qonto uses a tiered subscription model in France, with monthly plans that include a bundle of SEPA transfers, cards, and users. International transfers in foreign currencies usually incur a percentage‑based fee (often starting from around 1% for outgoing FX transfers) plus FX costs and, in some cases, SWIFT or intermediary bank fees. Exact fees depend on your plan, corridor, and currency, so you should always check Qonto’s current FR pricing page.

What alternative solutions to Qonto are there?

Alternatives include traditional French banks and fintechs such as Wise Business or pure payment providers like Stripe and Mollie. Airwallex is best suited to France‑based and EEA businesses that need truly global coverage (200+ countries, 120+ with local rails), 20+ multi‑currency local accounts, and integrated payment acceptance, FX, transfers, cards, and spend management on one platform rather than combining multiple providers.

Who can open an Airwallex Business Account in France?

Airwallex supports businesses incorporated in France, including SAS, SARL, SA, and other eligible legal entity types. You will usually need business registration documents (for example, an extrait Kbis), identification for directors and beneficial owners, and proof of business address, with requirements varying slightly by entity type and risk profile.

How does an Airwallex Business Account help French businesses save on transaction fees?

Airwallex helps French businesses reduce costs by letting you collect and hold balances in 20+ currencies, pay suppliers and platforms in their local currency to avoid double conversions, and convert only when it suits your treasury strategy at interbank + a small, transparent margin. Local receiving and local‑rails payouts mean fewer SWIFT and intermediary bank fees compared to a euro‑only or SWIFT‑heavy model.

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*All comparisons and information reflect Airwallex’s own research using public documentation as of February 2026, and have not been independently validated. The information is provided for educational purposes only and a reader should consider the specific requirements of their business when evaluating providers. This research is reviewed annually. If you would like to request an update, feel free to contact us at [email protected].