Airwallex vs AngelList Stack.
Airwallex (A77/100) and AngelList Stack (A66/100), 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 AngelList Stack 4-2.
| A Airwallex №14 · FCA 77 /100 | A AngelList Stack №44 · FDIC 66 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 77 /100 | 66 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | $0 /mo |
| FX markup Debit card abroad | 0.40% | Interbank |
| 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 | — |
| 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 AngelList Stack if…
The integrated startup stack — incorporation + EIN + banking + cap table + payroll in one flow. Built specifically for pre-Series-A founders using AngelList Venture for SAFE management. Reduces the typical Stripe Atlas + Mercury + Carta setup time from 2-3 weeks to a single guided flow. Partner-bank fintech for the banking leg; the integration value is the moat, not the bank product itself.
- Best for fees AngelList Stack won 1 of 4
- Best for protection AngelList Stack won 1 of 2
- Best for reach Airwallex won 1 of 3
- Best for ux Airwallex won 2 of 2
Airwallex vs AngelList Stack — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Airwallex better than AngelList Stack?
Under our v3 methodology, Airwallex leads AngelList Stack 4–2 across 12 dimensions. Composite scores: Airwallex 77/100 vs AngelList Stack 66/100. 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 AngelList Stack cheaper?
Monthly fee — Airwallex: €0; AngelList Stack: $0. Card FX markup — Airwallex: 0.40%; AngelList Stack: Interbank. AngelList Stack 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 AngelList Stack?
Airwallex holds a Partner-bank licence under FCA; deposit guarantee per depositor: €100,000. AngelList Stack holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. AngelList Stack is the stronger pick on regulatory protection.
Where can I use Airwallex and AngelList Stack?
Airwallex operates in 50 countries; AngelList Stack 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.