If you're looking for an Airwallex alternative, our question is… why?
Airwallex is the gold standard for global business banking. Whether you're paying international vendors and contractors, managing multi-currency accounts, or streamlining expense management. No other platform offers the same combination with a modern experience.
Wise is commonly used by freelancers and personal use, but it lacks the deeper financial infrastructure and controls that growing businesses need.
Revolut Business tries to do it all, but it still feels too consumer-focused and limited when it comes to real business banking needs.
Payoneer can work for marketplace payouts, but their UI is clunky, fees are higher, and support lags behind.
Traditional banks? Don’t even get us started—slow transfers, high FX markups, and barely any automation.
Airwallex, has continuously come up as the top player when it comes to cross-border payments. If you’re a modern business scaling globally, Airwallex is the platform built for exactly that.
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BILL Spend & Expense (Formerly Divvy) The spend management platform for teams of all sizes (customizable virtual cards, budgeting, auto-reconciling, and expense reimbursement).
BILL Spend & Expense is our top alternative for small to medium-sized businesses looking for an expense management solution in the US.
The reason is that they don’t have bank minimums, making them super accessible.
While Ramp and Brex often gatekeep with higher revenue or funding requirements, BILL removes the friction with no bank minimums, making it a standout for small but growing teams and mid-sized businesses that want enterprise-level control without the enterprise software.
We have personally used BILL Spend & Expense for many years, and Alex even got his stepdad's construction business to use it as well. We’re fans!
The spend management platform for mid-size teams (customizable virtual cards, budgeting, auto-reconciling, and expense reimbursement).
Ramp is the best alternative for mid-sized to larger U.S. based businesses that care about efficiency, control, and serious accounting automation.
Ramp wins on operational intelligence and next-level automation. If your business has $25K+ in the bank, you unlock one of the most powerful spend platforms available.
You get detailed insights, customizable virtual cards, seamless reimbursement workflows, and native integrations with a wide range of accounting tools, not just QuickBooks Online, but also Kick (our top pick accoutning software).
Ramp is built for scaling teams that want deep visibility into company spend and proactive savings suggestions like flagging duplicate tools or overpriced SaaS plans. Compared to competitors like Brex, Airbase, or traditional corporate cards (Amex, Chase), Ramp wins on simplicity, transparency, and actual speed.
The modern business bank built for teams of all sizes. What if you could actually enjoy your bank? With Mercury, you will.
Rippling lets you easily manage your employees’ payroll, benefits, expenses, corporate cards, bill pay, & more—in one place. The majority of our coverage is focused on their Rippling Spend product.
Rippling lets you easily manage your employees’ payroll, benefits, expenses, corporate cards, bill pay, & more—in one place. The majority of our coverage is focused on their Rippling Spend product.
Rippling lets you easily manage your employees’ payroll, benefits, expenses, corporate cards, bill pay, & more—in one place. The majority of our coverage is focused on their Rippling Spend product.
Brex used to be a solid option for startups—but after a rocky pivot, it's now only a fit for a very specific crowd: VC-backed startups and companies doing $400K+/mo in revenue.
In trying to scale fast, Brex onboarded too many small-to-mid-sized businesses... then cut them off. We were one of them. After years of testing and monitoring Brex, our account was suddenly axed—no warning, no grace period, just a support message and a login loop. Not exactly the experience you want with your financial stack.
Today, Brex is focused almost entirely on the venture ecosystem—offering flashy perks to Y Combinator companies and riding that brand network hard. While they do offer a basic checking account and solid credit card rewards, the platform falls short in core areas like expense automation, accounting integrations, and user experience.
If you're a venture-backed startup with serious revenue? Sure, Brex might make sense. For everyone else? We'd look elsewhere.
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