Updated September 28, 2026 · SumCue Editorial Team
Airwallex vs Finom
Airwallex
Higher score in this comparison
Finom
What sets them apart
| Compare | AirwallexReviewVisitVisit | FinomReviewVisitVisit |
|---|---|---|
| Headline rate | 2.18% to 3.83% | 5%Higher |
| Rate type | Variable | Fixed |
| Minimum deposit | HK$0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Airwallex Yield: no lock-up, no minimum balance, daily returns, funds settle to and from Yield balances within 2 business days | Instant access, withdraw at any time with no withdrawal penalties |
| Monthly fee | £0 | €0 |
| Account kind | Easy access | Cash management |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Airwallex scores higher overall: 9.0 vs 8.9.
- Founded is lower at Airwallex: 2015 vs 2019.
- Airwallex is available in 6 more countries.
- Headline rate is higher at Finom: 5% vs 2.18% to 3.83%.
- Support channels: only Airwallex offers Phone.
- Support channels: only Finom offers Email, Community.
Our verdict on each
Airwallex
Airwallex suits businesses that collect and pay in several currencies and want a card on the same balance. The account is a easy access one with a monthly fee of £0, and spare cash earns 2.18% to 3.83% while a debit card handles day to day spend.
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
Score breakdown
| Area | Airwallex | Finom |
|---|---|---|
| Cost | 9.2A monthly fee of £0 leads the field, but the conversion fee of 0.5% sits well above Wise. | 9.3HigherRunning costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. |
| Offer | 9.4Covers 20 currencies with a yield rate of 2.18% to 3.83% and help centre, phone and chat support. | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. |
| Trust | 8.5Higher | 8.2 |
Which one suits you
Pick Airwallex if trust matter most.
Pick Finom if offer and headline rate matter most.
Where each is licensed and available
| Country | Airwallex | Finom |
|---|---|---|
| Netherlands | De Nederlandsche Bank (DNB) R179622 | De Nederlandsche Bank (DNB) R180074 |
| Cyprus | Not confirmed | |
| Singapore | Monetary Authority of Singapore (MAS) PS20200541 | Not confirmed |
Available in 4 countries for both. Additional countries for Airwallex: 13. Additional countries for Finom: 7.
If neither fits
Plazo ES has headline rate at 24.19%, against 2.18% to 3.83% for Airwallex and 5% for Finom.
Plazo ES reviewHow they place
| Ranking | Airwallex | Finom |
|---|---|---|
| Savings | 8 of 1492 | 3 of 1492 |
| Credit and debit cards | 6 of 1594 | 2 of 1594 |
Every fact side by side
| Fact | Airwallex | Finom |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee, Fixed rate |
| Legal entity | Airwallex (Singapore) Pte. Ltd. | PNL Fintech B.V. |
| Headquarters | Singapore | Netherlands |
| Founded | 2015Lower | 2019 |
| Support channels | Help centre, Phone, Chat | Email, Chat, Help centre, Community |
Credit cards
| Fact | Airwallex | Finom |
|---|---|---|
| Currency conversion fee | 0.5% | Not confirmed |
| Rewards type | Not confirmed | Cashback |
| Features | Multi currency, Virtual card, Travel | Rewards |
| Rewards rate | Not confirmed | up to 3% |
| Audience | Business | Business |
Where each stands against the rest
| Fact | Airwallex | Finom | Median |
|---|---|---|---|
| Headline rate | 2.18% to 3.83%above the median | 5%above the median | 3.3 |
Median across 710 listed providers.
Pros and cons
Airwallex
Pros
- A monthly fee of £0 on the business account, with a conversion fee of 0.5% on currency changes.
- The yield balance is easy access, takes a minimum deposit of HKD 0 and pays 2.18% to 3.83% on a variable rate.
- A debit card on the visa network, plus virtual cards, with access to 20 currencies.
Cons
- The conversion fee of 0.5% is well above Wise at 0.1%, which puts Airwallex at 116 of 258 on that measure.
- The account is for business users, so personal savers have no product to open.
- Money settles to and from the yield balance within a short settlement window, which can hold up a same-day supplier payment.
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
Who each suits
Airwallex
Who it suits
- Companies paid in several currencies, since the account holds 20.
- Firms that want a debit card and virtual cards for staff spending and subscriptions.
- Businesses parking spare cash in a easy access yield balance paying 2.18% to 3.83%.
Who should look elsewhere
- Anyone whose main spend is currency conversion, because Wise charges 0.1% against 0.5% here.
- Personal savers, since the account is for business use and bunq offers a personal plan at €0 a month.
- Borrowers rather than spenders, since Varo Believe Secured Credit Card is a credit card with a monthly fee of $0.
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
Current offers
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | Airwallex | Finom |
|---|---|---|
| Australia | Yes | No |
| Austria | No | Yes |
| Belgium | No | Yes |
| Canada | Yes | No |
| China | Yes | No |
| Cyprus | No | Yes |
| Hong Kong | Yes | No |
| Ireland | No | Yes |
8 of 24 countries where either is available.
Questions about each
Airwallex
What does it cost to keep an Airwallex account?+
The business account carries a monthly fee of £0. Converting money costs 0.5%, which is the main charge to watch, and card spending earns cashback of 2%. The yield balance takes a minimum deposit of HKD 0.
Is my money protected?+
Deposit protection is FSCS up to GBP 85,000. The group also appears on the registers of the Monetary Authority of Singapore and De Nederlandsche Bank, and the legal entity named in the records is Airwallex (Singapore) Pte. Ltd..
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
Other options to compare
Other matchups
- Airwallex vs Nexo
- Finom vs Afranga
- Finom vs Betterment
- Finom vs Wealthfront
- Finom vs Wise
- Finom vs Betterment Cash Reserve
- Finom vs Insignis Cash
- Finom vs TBC Bank Uzbekistan
- Finom vs Danske Bank DK
- Finom vs PUMB
- Finom vs SWK Bank
- Finom vs ActivTrades
- Finom vs XTB
- Airwallex vs eToro
- Airwallex vs Linxea
- Finom vs DKB
- Airwallex vs bunq Spain
- Airwallex vs bunq
- Airwallex vs Qonto_AT
- Airwallex vs Qonto
- Airwallex vs iuvoSAVE
- Airwallex vs Empower Personal Dashboard
- Airwallex vs J&T Direktbank
- Airwallex vs Kraken