Revolut Business vs Airwallex: plans, FX allowances and cards
Revolut gives each plan an allowance of interbank FX and charges 0.6% after it. Airwallex charges 0.5% on major currencies from the first pound. The cheaper one depends on how much you convert.
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A UK company converting £20,000 a month on Revolut Business's Grow plan pays nothing on the first £15,000, which converts at the interbank rate. The remaining £5,000 costs 0.6%: £30. On Airwallex, the whole £20,000 costs 0.5%: £100.
Raise the amount to £100,000 and the picture flips. On Revolut Grow, £85,000 is over the allowance: £510. On Airwallex it is £500. Revolut's Scale plan, with a £60,000 allowance, costs £240 in FX plus £90 for the plan.
Prices are from each provider's UK page, read in November 2026, and assume weekday conversions in major currencies.
Side by side
| Revolut Business (UK) | Airwallex (UK) | |
|---|---|---|
| Plans | Basic £10, Grow £30, Scale £90 a month | Explore £0 or £19, Grow £49 |
| Interbank FX allowance | £1,000 / £15,000 / £60,000 | None |
| FX after allowance | 0.6%; 1% outside market hours | 0.5% majors, 1% others |
| International transfers | 0 / 5 / 25 free, then £5 | £10 to £20 SWIFT; local to 120+ countries |
| Local transfers | 10 / 100 / 1,000 free, then £0.20 | Free domestic EUR, GBP, CHF |
| Currencies | 25+ | 20+ with local details |
| Cards | Up to 50 virtual per team member | 10 or 50 company cards |
| Stablecoins | No | No |
Pick Revolut if
Your conversion volume sits under a plan's allowance, your team is mostly in the UK and Europe, and you like spending from one app.
Pick Airwallex if
You convert more than your Revolut allowance would cover, send many local transfers across countries, or need bill pay with approvals.
Where Rivet fits
Rivet adds what neither has: USDC and USDT in the same account as USD, EUR and GBP details in your company's name. On Growth ($200 a month) FX starts at 0.50%, level with Airwallex on majors, payouts cost $1 each to 120+ countries, and up to 10 team members get roles and approvals. For a small UK team converting under £15,000 a month, Revolut Grow will cost less. See Revolut Business alternatives and Airwallex alternatives. Rivet is not a bank; regulated partner institutions hold client funds.
Questions people ask
Which is cheaper for currency exchange, Revolut Business or Airwallex?
If you convert less than your Revolut plan's allowance, Revolut is cheaper, since that amount converts at the interbank rate. Above it, Revolut charges 0.6% against Airwallex's 0.5% on major currencies. At weekends Revolut charges 1%.
Does Revolut Business charge for international transfers?
Plans include 0, 5 or 25 free international transfers a month on Basic, Grow and Scale. After that a £5 fee applies, with other fees for SWIFT OUR transfers.
Which has better cards?
Both offer virtual and physical corporate cards with controls. Revolut includes up to 50 virtual cards per team member. Airwallex includes 10 company cards on Explore and 50 on Grow, with per-user fees for spend users.
Sources
Alexia compares the accounts, cards and payment tools companies weigh before they switch, and writes Rivet's market guides for founders in a specific country. Prices in Alexia's comparisons come from each provider's own pricing page on the date given in the article, rules come from the regulator or tax authority that sets them, and every source is listed at the end.
More from Alexia M. →This article is general information, not legal, tax or financial advice. Rules and fees change; check the sources above and the provider’s current terms before you act on them.
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