Comparing Budgetly to Airwallex?

Airwallex is a global payments platform. Budgetly is built for Australian SMEs.

If you need multi-currency accounts and international payment acceptance, Airwallex covers that. If you need spend control, individual employee cards, and unlimited Australian-based support without per-user fees, that's Budgetly.

Book a demo: experience AU-based support ➜

No limits
Unlimited users
Unlimited payments
Unlimited support
Unlimited receipts

Multi-currency is Airwallex's strength. Reaching their support team isn't.

Airwallex’s strength is multi-currency: local accounts in 20+ currencies, global transfers to 200+ countries, and the ability to accept customer payments. If that’s what your business needs, Airwallex genuinely does it well. Budgetly is built for a narrower job: give every employee their own Visa card with real-time budgets, spend real-time budgets and unlimited, Australian-based support, with no per-user pricing.

Budgetly vs Airwallex

Airwallex wins on multi-currency. Budgetly wins on AU-focused pricing and support.

Feature	Budgetly	Airwallex
No caps on users, payments, or support	✓	✗ $15/user beyond included seats
Unlimited Australian-based support on every plan	✓	✗ Global support model, not marketed as AU-based or unlimited
Bill pay included on every plan	✓	✗ From Grow plan up
Multi-currency accounts (20+ currencies)	✗ AUD only	✓ Core strength
Customer payment acceptance	✗	✓

ROI Calculator

See what simpler, AU-focused spend control could save your team

Tell us about your team and see the admin hours and labour costs simpler, AU-focused spend control could save every month. No email required.

Instant estimate. Based on thousands of Australian businesses like yours.

Estimates only, based on an 80% reduction in manual processing time (per Budgetly customer results) and the figures entered below. Not financial advice.

About your business

Employees with company cards

Expense transactions per month

Average time spent per transaction

min

Fully loaded hourly cost of finance team

Your potential impact

64 hours per month 768 hours per year

$42,240 per year In admin and labour costs

14 days to pay for itself Time for your savings to cover the Essentials plan

Book a demo: see the switch, no pressure →

Trusted by Australian businesses

1.2BN+

Payments processed In payments processed through the Budgetly platform

150K+

Transactions Transactions managed every month by Budgetly users

15K+

Users Employees across Australia using Budgetly cards

80%

Less time on admin Reduction in time spent on manual expense processes

90%

Better service Better customer service than competitors

4.9/5

Capterra rating Based on verified reviews from real customers

Australia's favourite.

99% of businesses stick with Budgetly.

The hard way

One shared card. Too much admin.

The smart way with

Every employee. Every spend. In real-time.

Same transaction. Almost none of the admin.

What Australian SMEs get that Airwallex doesn't

Expense management that just works

Airwallex focuses on international payments. Budgetly focuses on what Australian SMEs actually need: controlled cards, receipt capture, budget management, and seamless Xero integration.

50 hours saved per month on bookkeeping

Businesses using Budgetly save an average of 50 hours per month on bookkeeping fees. Every transaction is matched to a receipt and synced to Xero automatically.

Real Australian support, unlimited

Get unlimited training, onboarding, and ongoing support from a real Australian team. No chatbots, no wait times, no offshore call centres.

We've definitely saved a lot of money. 50 hours saved across the month in bookkeeping fees is massive. So much easier to sync straight into Xero.
Tim H, CFO

Frequently asked questions

Does Budgetly support multi-currency accounts?

No, Budgetly is AUD only. That's Airwallex's core strength: local accounts in 20+ currencies and transfers to 200+ countries. If your business regularly holds or moves foreign currency, Airwallex covers that in a way Budgetly doesn't.

So when does Budgetly make more sense than Airwallex?

When the job is team spend control for an Australian business: individual employee Visa cards, real-time budgets, and unlimited Australian-based support, without needing the multi-currency and customer-payment features that come with a global platform.

Can we use both, or do we have to choose?

Many businesses use both. Airwallex for holding foreign currency and international payments, Budgetly for individual employee cards and day-to-day AUD spend control. They solve different problems.

Is Budgetly's support actually different from Airwallex's?

Budgetly's support is unlimited and Australian-based at every plan. Airwallex operates a global support model that isn't marketed as unlimited or Australia-specific, so if a fast, local response matters to your team, that's a real point of difference worth checking directly with Airwallex before you decide.

Does Budgetly include bill pay on every plan?

Yes. Airwallex includes bill pay from its Grow plan up; Budgetly includes it on every plan with no per-user fee.

How long does it take to switch?

Most teams are live within a week. Connect Xero in minutes, issue your first virtual Visa card instantly, then bulk-issue the rest of your team's cards from a CSV.

Carol R Director

NDIS

Budgetly saves me 2 hours a day in accounting time. I used to have to reconcile and enter transactions. It works seamlessly with Xero and if there ever is an issue I can count on the team to help me out.

Verified · Capterra

Cherise H Accounts & Administration Specialist

Construction

We've been able to streamline 3 processes into 1 with Budgetly and I'd recommend this for anyone using Xero accounting as the integration has been very easy and stress-free.

Verified · Capterra

Eloisa Manager

Construction

I've saved at least 2 hours a day in admin work. We've minimised human error with our staff now being accountable for uploading their own receipts. Bill Payments has also brought everything into one spot and with the Xero integration, everything is so much easier now.

Verified · Capterra

Hayley C Business Manager - Corporate

Education

Instead of the finance team manually chasing receipts and processing reimbursements, staff enter details and upload receipts directly into the Budgetly app which are synced across to Xero. Such a time saver.

Verified · Capterra

Judi M Operations Manager

Healthcare

Using Budgetly has made reconciliation and budget management a breeze for our team spread across Australia. No chasing receipts, no time wasted on manually matching transactions, and easy to adjust budgets. All integrated with Xero.

Verified · Capterra

Kevin K Director

Professional Services

I don't have to chase receipts anymore. I can issue cards in about 10 seconds. I can forward 20 bills from my email and it auto extracts and pays them.

Verified · Capterra

Tim H CFO

Professional Services

We've definitely saved a lot of money. 50 hours saved across the month in bookkeeping fees is massive. So much easier to sync straight into Xero.

Verified · Capterra

Timothy N Finance Manager

Professional Services

Budgetly saves us time and money from the very beginning. It has replaced trying to retrieve receipts and manual coding to Xero. Receipts, GST amounts and tracking are all recorded immediately.

Verified · Capterra

Vibhu J Finance Officer

NDIS

We run multiple budgets across several properties, and the system handles it seamlessly. Budgetly has cut our workload by at least 15 hours each week.

Verified · Capterra