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Airwallex

EMI · not FDIC-insured

Borderless 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

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
  • Asia-Pacific founders (entities outside the US supported)
  • 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

  • Company formation documents (a US or overseas company both work)
  • EIN (if you have a US company; a foreign-only company usually doesn't need one)
  • The owner's passport (government-issued ID)
  • Proof of real operations / a business description (low tolerance for shell companies)
  • Your multi-currency receiving / paying needs
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