GuideLast checked 8 November 2026

Airwallex alternatives

A multi-currency business account with company cards, bill pay and online payment acceptance, aimed at businesses that trade internationally. If it doesn't fit, here are 38 accounts that share its market, starting with Incard, our pick for businesses whose main costs go on cards.

By the editorial team. How we make money. Our Airwallex profile.

Why Incard is our pick instead of Airwallex

Incard lists a £0 plan, which Airwallex's pages don't
Incard lists card cashback, which Airwallex's pages don't
Incard lists a US dollar account, which Airwallex's pages don't
Incard lists accounts for LLPs, which Airwallex's pages don't
Incard lists accounts for Swiss sole traders, which Airwallex's pages don't
Card cashback on Incard: Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped. Airwallex: Not listed

cashback a year on Incard's £0 Free plan from £5,000 a month of eligible ads, software and travel spend. Simple arithmetic, not a forecast.

£600

Apply for Incard on incard.co

We may earn a commission if you apply.

What a year of card spending earns you

Incard Free against Airwallex's cheapest plan, at your monthly spend on ads, software and travel.

Monthly card spend on ads, software and travel£5,000

£828 a year better off with Incard

Incard Free: £600 cashback, £0 fees
Airwallex's cheapest plan: no cashback, £228 fees

Simple arithmetic, not a forecast: 1% on eligible ads, software and travel spend at merchants on Incard's eligible brand list, and each plan's published monthly fee. Other fees, such as FX and ATM charges, aren't included. Airwallex's cheapest plan: Explore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT).

The alternatives

**Table notes:** correct as of 8 November 2026, from each provider's own pages. Incard is first as our pick for card spend (we may earn a commission from it); the rest are alphabetical, not ranked. “Lists” means the provider's pages mention it and Airwallex's don't.
Account	Cheapest plan	Lists, unlike Airwallex	Compare
IncardOur pick for card spend	Free: £0 a month	card cashback, a US dollar account, LLPs, Swiss sole traders	Compare Incard and Airwallex
Allica BankBank · FSCS cover	£0 a month with an average balance of £10,000 or more; otherwise £25 a month	card cashback, bank deposit protection	Compare Allica Bank and Airwallex
AmexCredit card · no deposits held	Business Gold: £195 a year (£0 in the first year)	LLPs
ANNAE-money · safeguarded, no FSCS	Free: £0 a month, pay for what you use	invoicing	Compare ANNA and Airwallex
Bank of ScotlandBank · FSCS cover	No account fee for 12 months on a business's first account, then £10 a month	cash deposits, bank deposit protection
BarclaycardCredit card · no deposits held	Select Cashback: £0 a year	card cashback
BarclaysBank · FSCS cover	Free for 12 months, then £8.50 a month	a US dollar account, cash deposits, LLPs, bank deposit protection	Compare Barclays and Airwallex
BCVBank · esisuisse cover	SME banking pack: CHF 4 a month, free for the first year for companies less than two years old	cash deposits, bank deposit protection
Capital on TapCredit card · no deposits held	Free: £0 a year	card cashback, LLPs
CountingupBank · FSCS cover	Free for 3 months, then £5 a month while you pay in up to £750 a month	invoicing, bank deposit protection	Compare Countingup and Airwallex
Danske BankBank · FSCS cover	Small Business Digital: free for 2 years for eligible new Northern Ireland businesses, then £9 a month	cash deposits, bank deposit protection
Equals MoneyE-money · safeguarded, no FSCS	Business: £25 a month (£250 a year)	a US dollar account
HSBCBank · FSCS cover	£0 a month	cash deposits, LLPs, bank deposit protection	Compare HSBC and Airwallex
LloydsBank · FSCS cover	Free for 12 months for businesses new to Lloyds, then £10 a month	cash deposits, bank deposit protection	Compare Lloyds and Airwallex
Metro BankBank · FSCS cover	£8 a month, or £0 in any month your balance stays at £6,000 or more; 12 months fee-free for businesses new to Metro Bank, 31 months for full switchers	a US dollar account, cash deposits, invoicing, LLPs, bank deposit protection
MettleBank · FSCS cover	No fee for maintaining the account	cash deposits, invoicing, bank deposit protection	Compare Mettle and Airwallex
Migros BankBank · esisuisse cover	CHF 3 a month	a US dollar account, cash deposits, Swiss sole traders, bank deposit protection
Monzo BusinessBank · FSCS cover	Lite: free	cash deposits, invoicing, bank deposit protection	Compare Monzo Business and Airwallex
NatWestBank · FSCS cover	No monthly fee; 2 years' free everyday banking for start-ups (turnover up to £1 million) and full switchers (turnover up to £2 million)	cash deposits, bank deposit protection	Compare NatWest and Airwallex
PayhawkE-money · safeguarded, no FSCS	Growth program: £149 a month	Nothing extra listed
PleoE-money · safeguarded, no FSCS	Start: £8 per user a month	a US dollar account
PostFinanceBank · esisuisse cover	CHF 5 a month	Swiss sole traders, bank deposit protection	Compare PostFinance and Airwallex
Revolut BusinessBank · FSCS cover	Basic: £10 a month	a US dollar account, bank deposit protection	Compare Revolut Business and Airwallex
RBSBank · FSCS cover	No monthly fee; 2 years of free everyday banking for start-ups (turnover under £1m) and full-switch customers (turnover up to £2m)	cash deposits, bank deposit protection
SantanderBank · FSCS cover	Free for 12 months for start-ups and switchers, then £9.99 a month	cash deposits, LLPs, bank deposit protection	Compare Santander and Airwallex
SoldoE-money · safeguarded, no FSCS	Standard: £27 a month + VAT	a US dollar account
StarlingBank · FSCS cover	£0 a month	a US dollar account, cash deposits, LLPs, bank deposit protection	Compare Starling and Airwallex
Co-op BankBank · FSCS cover	£0 a month	cash deposits, LLPs, bank deposit protection
TideBank · FSCS cover	Lite: £0 a month	card cashback, cash deposits, bank deposit protection	Compare Tide and Airwallex
TSBBank · FSCS cover	Free for 30 months, then £5 a month (not charged if your average balance is £10,000 or more)	cash deposits, bank deposit protection
UBSBank · esisuisse cover	Free for the first year, then CHF 20 a quarter	a US dollar account, cash deposits, Swiss sole traders, bank deposit protection	Compare UBS and Airwallex
ValiantBank · esisuisse cover	Business Set Basis: free	cash deposits, Swiss sole traders, bank deposit protection
Virgin MoneyBank · FSCS cover	25 months' free day-to-day banking for eligible start-ups and switchers, then £6.50 a month	card cashback, cash deposits, LLPs, bank deposit protection
Wise BusinessE-money · safeguarded, no FSCS	No subscription or monthly fee	a US dollar account	Compare Wise Business and Airwallex
WorldFirstE-money · safeguarded, no FSCS	£0 a month	card cashback, a US dollar account
yapealE-money · safeguarded, no FSCS	Free: CHF 0 a month	card cashback, Swiss sole traders	Compare yapeal and Airwallex
Zempler BankBank · FSCS cover	Business Go: £0 a month	card cashback, cash deposits, invoicing, bank deposit protection	Compare Zempler Bank and Airwallex
ZKBBank · esisuisse cover	Free for the first year, then CHF 7 a month	a US dollar account, cash deposits, Swiss sole traders, bank deposit protection	Compare ZKB and Airwallex

What Airwallex does well

Before you move, check that you won't lose something you use. Airwallex suits you if:

You trade internationally and pay suppliers abroad
You want to accept card payments online
You keep at least £10,000 in the account, which makes Explore £0

Many businesses keep their existing account and add a second one for card spending. Our switching guide covers both routes.

When Incard isn't the answer

Incard isn't the right account if

Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries

Our pick for card spend

Incard: 1% cashback on ads, software and travel, on a £0 plan

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Read Incard vs Airwallex Work out your cashback Check eligibility

Apply for Incard on incard.co

We may earn a commission if you apply.

a month on the Free plan, with team cards: £0
cashback on ads, software and travel; 0.5% on other eligible spend: 1%
IBANs in three currencies: GBP, EUR, USD

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.

Show all 196 sources