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Airwallex
EMI · not a bankBorderless multi-currency for Amazon sellers and global SaaS — an EMI, not a bank.
Official site(ApplyRight field notes are being written)
Eligibility at a glance
- Banking provided by
- DBS Bank (星展银行)
- Requires SSN
- No
- Overseas operating address
- No
- Intl wire (out)
- Free
- Virtual cards
- None
- Account manager
- None
Best for
- Amazon global sellers and cross-border e-commerce
- SaaS billing across multiple currencies
- Founders anywhere — China, Hong Kong, US and overseas entities all work
- Anyone needing true multi-currency cards (23+ currencies)
Where it falls short
- Not a bank — no direct FDIC protection on balances
- Low tolerance for shell companies; needs substantial business proof
- Strict for owners from high-risk countries
- Crypto businesses not supported
Restricted countries
CubaIranNorth KoreaSyriaRussiaBelarusAfghanistanMyanmar
Restricted industries
CannabisAdult contentGamblingFirearmsCrypto exchangeShell companies
Documents to prepare
- Business license or formation docs (a China-mainland / Hong Kong / US or other company; set the registration place to match)
- Legal representative's ID card, front and back (US / overseas companies can use a passport / government ID)
- ID card / passport of any 25%+ shareholders (skip if none)
- Company English name (transliterate if none; must match the PI contract if you have one)
- A real-name phone + email (the owner's; use Chrome, not the in-WeChat browser)
- Business / industry description + expected monthly volume + export countries (pick developed US/EU markets; never Russia / Iran or other sanctioned countries)