Is Airwallex or Billin better?

Neither clearly leads. Airwallex starts at Free and Billin at €6.6/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Airwallex or Billin?

Airwallex has a free tier; the other does not. Paid plans start at Free for Airwallex and €6.6/month for Billin.

Does Airwallex or Billin run on more platforms?

Both run on Web, so platform support will not decide this one for you.

Can I use Airwallex for free?

Yes. Airwallex has a free tier, so you can try it without paying. Billin starts at €6.6/month.

What is Airwallex best used for?

Airwallex is most often used for an exporter invoicing customers in united states dollars and euros who wants to be paid into local details rather than receive wires with correspondent deductions, an agency or software company paying contractors across several countries every month and losing money on bank foreign exchange spreads, an e-commerce seller collecting on multiple marketplaces in different currencies who wants to hold rather than convert on every settlement, a startup that needs virtual cards with per subscription limits and cannot get a workable card programme from its local bank. Of those, an exporter invoicing customers in united states dollars and euros who wants to be paid into local details rather than receive wires with correspondent deductions and an agency or software company paying contractors across several countries every month and losing money on bank foreign exchange spreads are not what Billin is typically brought in for.

What can Airwallex do that Billin cannot?

Airwallex covers Multi currency balances, Local receiving accounts, Foreign exchange conversion, International payouts.

Accounting · head to head

Airwallex vs Billin

Airwallex

Accounting

Multi currency business accounts, international payments and card issuing from a licensed payments firm rather than a bank

From: Free
Rated: -

Full review Website

Billin

Accounting

Spanish online invoicing software for freelancers and small businesses

From: €6.6/month
Rated: -

Full review Website

The short version

Only Airwallex has a free tier, so it costs nothing to try first.
Each has a real cost: Airwallex airwallex is a licensed payments firm rather than a bank, so balances sit in safeguarding accounts at partner banks and are not covered by deposit guarantee schemes, which means a treasury policy that requires insured deposits cannot hold operating cash there.; Billin plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Airwallex and Billin actually diverge.

Attributes where Airwallex and Billin differ
Attribute	Airwallex	Billin
Starting price	Free	€6.6/month
Pricing model	freemium	subscription
Free tier	Yes	No

Identical on both: platforms (Web), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Airwallex

Multi currency balances
Local receiving accounts
Foreign exchange conversion
International payouts
Card issuing
Expense management
Bill pay
Payments gateway

Only in Billin

Nothing recorded that Airwallex does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Airwallex

An exporter invoicing customers in United States dollars and euros who wants to be paid into local details rather than receive wires with correspondent deductionsnot Billin
An agency or software company paying contractors across several countries every month and losing money on bank foreign exchange spreadsnot Billin
An e-commerce seller collecting on multiple marketplaces in different currencies who wants to hold rather than convert on every settlementnot Billin
A startup that needs virtual cards with per subscription limits and cannot get a workable card programme from its local banknot Billin

Billin

Invoice managementnot Airwallex
Multi-user accounting for freelancers and small businessesnot Airwallex

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Airwallex

Airwallex is a licensed payments firm rather than a bank, so balances sit in safeguarding accounts at partner banks and are not covered by deposit guarantee schemes, which means a treasury policy that requires insured deposits cannot hold operating cash there.
Available currencies, local account details, card programmes and product features differ by the entity you contract with, so a feature demonstrated to a customer in Australia or Singapore may simply not exist for the same company registered in another country.
Onboarding is subject to compliance review and whole categories of business are declined or later offboarded, and because the account may hold operating cash, a compliance freeze during a review is a business interruption rather than an inconvenience.
Foreign exchange is quoted as interbank plus a markup, which is cheaper than a high street bank but is still a spread that widens on less liquid pairs and on smaller amounts, so the saving assumed in the business case should be checked against the pairs you actually trade.
Support is largely ticket and chat based with account management reserved for larger customers, so when a payment is stuck the resolution path is a queue rather than a named person, which is a poor fit for time critical settlement.

Billin

Plan Basico caps usage at just 5 clients, 1 user and 10 products for EUR 6.60/month, well below what most active small businesses need
Plan Pro still caps clients at 50 and users at 3 for EUR 14/month, so any business with more clients must move to the unlimited EUR 23/month tier

Pricing, plan by plan

Airwallex

Free

No published plan breakdown. See the Airwallex review.

Billin

€6.6/month

Plan Básico$80/year
- 0-5 clients
- 1 user
- Max 10 products
Plan Básico$96/month
Plan Pro$168/year
- 6-50 clients
- 3 users
- Max 50 products
Plan Pro$204/month

Which should you pick?

Choose Airwallex if

You need multi currency balances.
You want to start without paying.
You also want local receiving accounts.

Airwallex review

Choose Billin if

Nothing in the data separates Billin from Airwallex on the points above - pick on price and on how each one feels to use.

Billin review

Questions people ask

Is Airwallex or Billin better?: Neither clearly leads. Airwallex starts at Free and Billin at €6.6/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Airwallex or Billin?: Airwallex has a free tier; the other does not. Paid plans start at Free for Airwallex and €6.6/month for Billin.
Does Airwallex or Billin run on more platforms?: Both run on Web, so platform support will not decide this one for you.
Can I use Airwallex for free?: Yes. Airwallex has a free tier, so you can try it without paying. Billin starts at €6.6/month.
What is Airwallex best used for?: Airwallex is most often used for an exporter invoicing customers in united states dollars and euros who wants to be paid into local details rather than receive wires with correspondent deductions, an agency or software company paying contractors across several countries every month and losing money on bank foreign exchange spreads, an e-commerce seller collecting on multiple marketplaces in different currencies who wants to hold rather than convert on every settlement, a startup that needs virtual cards with per subscription limits and cannot get a workable card programme from its local bank. Of those, an exporter invoicing customers in united states dollars and euros who wants to be paid into local details rather than receive wires with correspondent deductions and an agency or software company paying contractors across several countries every month and losing money on bank foreign exchange spreads are not what Billin is typically brought in for.
What can Airwallex do that Billin cannot?: Airwallex covers Multi currency balances, Local receiving accounts, Foreign exchange conversion, International payouts.

Answered from the vendors’ own pages

Airwallex: Is Airwallex a bank?

No. It holds payment institution, electronic money or equivalent licences in the markets it serves. Funds are safeguarded at partner banks rather than being deposits, and deposit insurance schemes do not apply.

Billin: What are Billin's plan costs?

Billin offers three plans: Básico at €80/year (€6.60/month), Pro at €168/year (€14/month), and Ilimitado at €276/year (€23/month). Annual billing includes 18% savings compared to monthly.

Source

Airwallex: Can it replace my business bank account?

For many operating flows it can, but consider what you lose: no deposit protection, no lending relationship, no cash or cheque handling, and some counterparties and government bodies still expect a conventional bank account. Most users run it alongside a bank rather than instead of one.

Billin: Is there a free trial for Billin?

Yes, Billin offers a 30-day free trial with all features included. No credit card is required to start.

Source

Airwallex: Which countries can open an account?

It serves entities registered in a defined list of markets across Asia Pacific, Europe, the United Kingdom, the Middle East and North America, and the list changes. Check for your specific country of incorporation, because the answer determines both eligibility and feature set.

Billin: How many users does each Billin plan include?

Básico includes 1 user, Pro includes 3 users, and Ilimitado includes unlimited users.

Source

Airwallex: Does it connect to my accounting software?

It integrates with the mainstream cloud ledgers so transactions feed through rather than being imported by hand. Confirm the integration covers all the currencies you hold, since multi currency handling in the ledger is a separate question.

Airwallex: How does the foreign exchange rate compare with a bank?

Materially better than a typical business bank's retail rate on major pairs, because it is quoted as interbank plus a stated markup. The gap narrows on thin currency pairs and small amounts, so test with your real volumes.

Airwallex: Are the cards accepted everywhere?

They are issued on the major networks and behave like ordinary company cards for most spend. Some merchants, particularly for deposits and car hire, treat prepaid style issuance differently, so do not assume parity with a bank credit card.

Airwallex vs Billin

Airwallex

Billin

The short version

Where they differ

What each one covers

Only in Airwallex

Only in Billin

What people use each for

Airwallex

Billin

Where each one falls short

Airwallex

Billin

Pricing, plan by plan

Airwallex

Billin

Which should you pick?

Choose Airwallex if

Choose Billin if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Airwallex

More on Billin

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