Airwallex vs Relay Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
Explore
- Open multiple accounts per entity
- Collect and hold in 20+ currencies
- Free batch transfers to 120+ countries
- Access to interbank FX rates
- Earn 3.22% on USD with Yield*
- Unlimited multi-currency corporate cards with zero international fees²
- Up to 2% cash rebates on local USD spend⁴
- Advanced card controls to limit spend and freeze/cancel cards
- Expense management, reimbursement, and spend requests
- Domestic and international bill pay with AI coding
- Batched Bill Payments
- Accounting hub for accountants (Coming soon)
- AI receipt matching with email forwarding and bulk uploading
- Online card and local payment method acceptance globally
- Like-for-like settlement in 20+ currencies
- Optimize 360 for AI payment optimization and fraud prevention
- Custom payment integration paths
- Create and send invoices globally
- Manage simple and hybrid multi-frequency subscription pricing models
- Bill customers based on actual usage
- Sync bank feeds, expenses, and bills with Xero and QuickBooks
Grow
- Earn 3.37% on USD with Yield*
- Late submission policies and automatic card freezing rules
- Credit line for corporate cards (Coming soon)
- Customizable, multi-conditional approvals
- Advanced rules-based automation for expenses
- Track planned budgets vs. actuals (Coming soon)
- AI expense policy agent
- Rules-based automation for bills
- Approval workflows for vendors
- Remittance advice for bills
- Sync bank feeds, expenses, and bills with Netsuite and Dynamics 365 Business Central
- HRIS platform integrations
- Single sign-on (Coming soon)
Accelerate
- Earn 3.49% on USD with Yield*
- Purchase orders and requests
- 3-way matching for goods receipts and invoices powered by AI
- Custom direct Spend API integration with ERP
- Centralized management of finances across global entities³ (up to 3 entities)
- Dedicated account manager
- Onboarding support
Starter
- 50 credit & debit cards
- Invoice creation & tracking
- Accounting integrations
- Unlimited users
- 1.11% APY on savings accounts
- 1% cash back* on credit cards
- 20 checking accounts
- Built-in spend controls
- Receipt upload reminders
Grow
Popular- 50 credit & debit cards
- Invoice creation & tracking
- Accounting integrations
- Unlimited users
- 1.75% APY on savings accounts
- 1.25% cash back* on credit cards
- Multi-step approval rules
- Recurring invoices
- Bookkeeping automations
Scale
- 50 credit & debit cards
- Invoice creation & tracking
- Accounting integrations
- Unlimited users
- 3.00% APY on savings accounts
- 1.5% cash back* on credit cards
- 50 checking accounts per business
- 10 free same-day ACH per month
Airwallex vs Relay FAQ
- Which one is cheaper?
- Airwallex starts lower at $12/mo, compared to $30/mo for Relay.
- Can I use either one for free?
- Both offer free plans, so you can try each without paying. Start with whichever fits your workflow better and upgrade when you hit the limits.
- How do they charge?
- Different approach here. Airwallex uses hybrid pricing, while Relay goes with flat-rate. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Airwallex: At $0 to $12/mo on paper, Airwallex looks like the budget-friendly option against pricier fintech platforms — but the undisclosed platform fee on Grow and the black-box Accelerate pricing suggest they're playing a different game: hook you with a low headline price, then monetize seriously once you're scaling. They're chasing growing SMBs and mid-market companies who'll outgrow the free tier fast but aren't sophisticated enough to negotiate hard on the platform fee. Relay: Sits in the mid-market range for fintech-banking hybrids — not free-forever like a basic business checking account, but far cheaper than enterprise treasury platforms. They're clearly courting startups and SMBs who've outgrown a plain bank account but aren't ready for enterprise financial ops software.
Still deciding? See the best Airwallex alternatives or the best Relay alternatives, ranked with verified pricing.
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