Halocard vs Airwallex

Halocard is a US-issued Visa credit card for customers in the US and 120+ countries: you sign up in your own name, verify in under 3 minutes and make a card, with no company to register. Outside the US? You don't need an SSN, a US address or a US bank account. Airwallex's help centre says its services are designed for businesses and that it can't offer personal accounts to individuals, and its card terms bar personal, family or household spending. It onboards businesses registered in 69 countries, each through a local Airwallex company, and its US account is for a legal entity or sole proprietorship in the United States, with an EIN or, for a sole proprietor, a Social Security number. Neither runs a credit check for these cards. Halocard doesn't offer company accounts. See supported countries

Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check, and a merchant sees a Visa credit card. Airwallex describes its corporate card as a multi-currency business debit card: each purchase is taken straight from the balance in your Airwallex account, with nothing to settle later. Its pricing page says cards are unlimited and free to create, including single-use cards that expire after one transaction, though its card terms let the issuing bank limit how many are active. A charge card has published terms, but its pricing page still lists a credit line as coming soon. Check merchant acceptance

Halocard keeps one balance you top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. Airwallex cards draw directly on the cash balance of your Airwallex account, with no need to load each card, and the account is funded by bank transfer: ACH, Fedwire or SWIFT into its US account details, direct debit, or collections in 20+ currencies. It names no card, phone-wallet, stablecoin or crypto top-up. When a purchase is in a currency you don't hold, Airwallex converts from your primary balance and adds a conversion fee. See how to deposit

Halocard includes a US bank account with its own account and routing numbers, so you can receive salary, transfers from friends and family, and any other payment you'd send to a US checking account. ACH transfers arrive in 1 to 3 business days and domestic wires the same day, straight into your Halocard balance and ready to spend. Airwallex gives a business US account and routing numbers for ACH and Fedwire, alongside accounts in 20+ currencies. Local transfers within the US are free, an incoming Fedwire costs $15 and a SWIFT transfer $15 to $25. Its terms say the account details don't represent a separate bank account: US customers' funds sit in an omnibus account at Evolve Bank & Trust, which Airwallex says is eligible for FDIC pass-through insurance up to $250,000. Send and receive USD payments

Airwallex gives a finance team more to configure: recurring limits from daily to yearly or an all-time limit, date ranges, merchant and category restrictions, switches for online, contactless and international use, and single-use cards. What it fixes is the identity on the card. Airwallex's help centre says the billing address of every card is the business's registered office address, even for a physical card shipped somewhere else; a company card bears the business name and an employee card the cardholder's legal name. With Halocard you set daily, weekly or monthly limits on each card, lock or cancel any card instantly, and choose the billing address and cardholder name on each card. Set a custom name and address

This is where Airwallex is far ahead. It is a platform for running a company's money across borders: accounts in 20+ currencies, local and SWIFT transfers, conversion from 0.5% above the interbank rate on major currencies and 1.0% on others, bill pay, expense management with accounting sync, and payment acceptance. Halocard issues the cards, gives you a US bank account with its own account and routing numbers and shows every transaction as it happens, but includes no expense software, accounting integrations or bill pay. If your problem is moving and converting money between countries, Airwallex is built for it. Visit the help centre

Both work in person. Every Halocard can go in Apple Pay and Google Pay, and you can add a physical card, free with any annual plan or $100 on a monthly plan. Airwallex's company cards are virtual only; an employee card can be physical or virtual and can be added to Apple Pay and Google Pay, and its card terms say a virtual card can only be used in person through a phone wallet. Its fee schedule lists no charge for a physical card. Set up Apple Pay and Google Pay

Airwallex's cards page headlines 2% cashback with no cap. The promotion terms it links say up to 1.5%, for new US customers, on US-dollar purchases at US merchants in a month when you spend at least $2,000, and that the promotion ends on 31 December 2026. The terms exclude purchases under $25 and let Airwallex decide who is invited. Halocard pays no cashback on purchases. What it pays is a referral commission: $5 to $25 a month for every friend you refer, for up to 12 months, and Essential is free with 3 referrals. See how referrals work

Halocard charges nothing on US-dollar purchases and 1.5% + $0.30 on others. Airwallex advertises zero international card fees: a purchase in a currency you hold is taken from that balance at no charge, and one in a currency you don't hold is converted from your primary balance with a conversion fee it doesn't specify. Converting in the account costs 0.5% above the interbank rate on major currencies and 1.0% on others. Its fee schedule adds $15 for each incoming Fedwire and $15 to $25 for a SWIFT transfer. See all Halocard fees

Explore is free and covers up to 10 spend users, Grow is $12 per user a month plus a platform fee that depends on team size, and Accelerate is priced on request. Halocard plans are flat monthly prices that scale with cards: $12, $15 and $75 a month, plus a minimum first deposit. Essential is free with 3 referrals. On price alone, Airwallex's free plan wins for a business that qualifies; Halocard is what an individual without that account can use. Compare Halocard plans

Halocard answers by chat, email, and phone on every plan. Airwallex's pricing page lists a help centre and email support on its plans and a dedicated account manager on Accelerate; in the app, support starts with an AI assistant. It lists no support phone line. Visit the help centre

Airwallex is a large, licensed payments group that names its US card issuer and account bank. Its 2.8/5 from 2,582 Trustpilot reviews is split between praise for the platform and complaints about held payments and support that is slow to answer. Halocard names its company, card issuer, account bank and founder. About Halocard