Airwallex vs Found.
Airwallex (A77/100) and Found (F69/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Airwallex leads Found 4-2.
| A Airwallex №14 · FCA 77 /100 | F Found №39 · FDIC 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 77 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.40% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FCA | Partner-bank FDIC |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 50 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 5k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.7 ★ iOS 4.8 · And 4.6 |
| Read review → | Read review → | |
Pick Airwallex if…
The global multi-currency payments and operating-account platform with the broadest footprint in the SMB category — 23 currencies, local accounts in 10+ jurisdictions, local-account receiving in 60+ countries, multi-jurisdiction licensing (AU AFSL + MAS MPI + HKMA MSO + FCA EMI + US state money-transmitter), volume-based FX pricing, and issuing API for embedded card programmes. Structurally the most comprehensive cross-border AP / AR platform in the category, sitting between Wise Business (consumer-and-SMB cross-border) and Stripe (acquiring + payments) in the global-SMB stack. The embedded-finance API is the structural moat versus Aspire and Wise Business — marketplaces and SaaS platforms build payouts and card-issuing on Airwallex infrastructure rather than running multiple regional bank relationships.
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
- Best for fees Airwallex won 1 of 4
- Best for protection Found won 1 of 2
- Best for reach Airwallex won 1 of 3
- Best for ux Tied
Airwallex vs Found — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Airwallex better than Found?
Under our v3 methodology, Airwallex leads Found 4–2 across 12 dimensions. Composite scores: Airwallex 77/100 vs Found 69/100. Airwallex is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Airwallex or Found cheaper?
Monthly fee — Airwallex: €0; Found: €0. Card FX markup — Airwallex: 0.40%; Found: 1.00%. Airwallex wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Airwallex or Found?
Airwallex holds a Partner-bank licence under FCA; deposit guarantee per depositor: €100,000. Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Found is the stronger pick on regulatory protection.
Where can I use Airwallex and Found?
Airwallex operates in 50 countries; Found operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.