Airwallex
Airwallex is a multi-currency corporate card (visa/mastercard) issued on Mastercard, rated 7.9/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Airwallex is the strongest fit for ad spend and app store / play, and asks for business KYC at signup — we carry it at low (regulated MPI/payment institution: MAS, FCA, etc.) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Airwallex · Multi-currency corporate card (Visa/Mastercard) |
| Official site | https://www.airwallex.com |
| Best for | Ad spend · App Store / Play |
| Network | Mastercard |
| Rating | 7.9/10 (4.0★, 57 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (virtual & physical, all tiers) |
| Monthly / annual fee | Explore $0; Grow $12/active user ··· |
| FX / conversion fee | 0.4% (major) / 0.6% (others) above interbank |
Verification and risk
| KYC required | Yes (business account KYC; 1-5 days) |
| Risk level | Low (regulated MPI/payment institution: MAS, FCA, etc.) |
| AVS check | Yes |
| 3-D Secure | Yes (3DS supported) |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (local rails, SWIFT, SEPA) |
| Alipay / WeChat Pay | No |
| Cards per account | 10 (Explore) / 50 (Grow) / unlimited (Accelerate) |
Billing
| Billing address | Business |
| Billing country | Global (20+ currencies, 13+ local markets) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes (Apple Pay/Google Pay) |
| Meta / Google Ads | Yes (business ad & SaaS spend) |
What the issuer states on its own site
- Accept online payments through 160+ local payment methods including PayNow, access competitive FX rates that save you up to 80% on FX fees, and transfer funds to 200+ countries.
- Cut transaction times and costs with 93% same-day payouts, market-leading FX rates that save you up to 80% on FX fees, and zero hidden fees.
- No monthly fee, no setup fee, and no minimum balance requirements.
Source: https://www.airwallex.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 265549 | Mastercard | Multi-region | Debit | 289 | 207 | 71.6% |
We logged 207 cleared charges out of 289 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Head-to-head comparisons
1 comparison pages use this brand as one side.
Frequently asked
What does Airwallex cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is Explore $0; Grow $12/active user (US) / S$79 (SG); Accelerate custom; conversion is priced at 0.4% (major) / 0.6% (others) above interbank. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Airwallex?
Airwallex asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (business account KYC; 1-5 days)
How can I fund Airwallex?
You can fund it with bank transfer (local rails, SWIFT, SEPA). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Airwallex need?
Setting it up: the billing address type is Business; cards are issued against Global (20+ currencies, 13+ local markets); an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Airwallex work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Airwallex trigger 3-D Secure?
Yes. Airwallex supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Airwallex?
The issuer allows 10 (Explore) / 50 (Grow) / unlimited (Accelerate). Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.